davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

According to 15 USC 1681e ( b ) everything showing on my credit report should be complete and accurate. Please re-investigate the late payments showing on ( XXXX Acct # XXXX ) Ive asked for these to be investigated multiple times. There are several inaccuracies. Please delete these late payments
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

A while ago I noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report like the bureau requested 2 months ago and I still havent received any original contracts, or the method of verification, nor who they spoke with at these companies and the information is still on my report.
Consumer complaint received 2023-03-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Back in the early month of XX/XX/2022 I contacted this company for validation of the debt they have inaccurately reported to my credit profile. I have found *several* inaccuracies on my report that further prove my suspicion of this account being fraudulent and NOT MINE. Attached is proof of the credit report with misinformation differing across the three credit bureaus. I kindly request this item to be removed completely, never to be added back again. I understand that the Fair Credit Reporting Act regulates credit bureaus and collection agencies to ensure proper and accurate reporting for all consumers. In this case, I have not been treated fairly as the reported accounts are continuing to show -- with mismatch information especially. The history for XXXX is missing -- COMPLETELY The history for XXXX is showing as 100 % PAID The history for XXXX has gaps in payment history and differs from the other reports that XXXX and XXXX has provided. Again, this is a very clear-cut violation of the Fair Credit Reporting Act. This company does NOT care about reporting accurate information -- nor do they care about customer complaints when said customer is a victim of identity theft. I need something done about this immediately!
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

XXXX, EQUIFAX, & XXXX Continues To Allow Fraudulent Inquiries On My Credit Profile After I Placed Security Freeze XXXX ALLOWED THE FOLLOWING FRAUDULENT INQUIRES 1 : XXXX - XX/XX/XXXXXXXX  2 : XXXX XXXX XXXX XXXX XXXX XXXX 3 : XXXX XXXX - XX/XX/XXXX  4 : XXXX XXXX XXXX - XXXX XXXXXXXX  5 : XXXX XXXX XXXX - XX/XX/ 6 : XXXX XXXX XXXX - XXXX XXXXXXXX  7 : XXXX XXXX - XXXX XXXX 8 : XXXX - XX/XX/ 9 : XXXX XXXX XXXX XXXX XXXX 10 : XXXX XXXX - XXXX XXXX 11 : XXXX - XXXX XXXX 12 : XXXX XXXX XXXX XXXX XXXX XXXX 13 : XXXX - XXXX XXXX 14 : XXXX XXXX XXXX XXXX XXXX XXXX 15 : XXXX XXXX - XXXX XXXX 16 : XXXX XXXX - XXXX XXXX 17 : XXXX XXXX - XXXX XXXX ___________________________________________________ EQUIFAX ALLOWED THE FOLLOWING FRAUDULENT INQUIRES 1 : XXXX XXXX - XXXX XXXX 2 : XXXX XXXX XXXX XXXX XXXX 3 : XXXX XXXX XXXX XXXX XXXX 4 : XXXX XXXX XXXX XXXX XXXX XXXX 5 XXXX XXXX XXXX XXXX XXXX 6 : XXXX XXXX XXXX XXXX XXXX XXXX 7 XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX 8 : XXXX XXXX XXXX XXXX XXXX 9 : XXXX XXXX XXXX XXXX 10 : XXXX XXXX XXXX  XXXX XXXX XXXX ____________________________________________________ XXXX ALLOWED THE FOLLOWING FRAUDULENT INQUIRES 1 XXXX XXXX XXXX XXXX - XX/XX/ 2 : XXXX XXXX XXXX XXXX XXXX XX/XX/ 3 : XXXX XXXX XXXX - XX/XX/ 4 : XXXX XXXX XXXX - XX/XX/ 5 : XXXX XXXX - XX/XX/
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account NumberXXXX  Account Name XXXX XXXX XXXX  Account NumberXXXX  Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to formally dispute several unauthorized inquiries that are currently listed on my credit report. Despite my previous requests to remove these inquiries, they remain on my report and continue to affect my credit score negatively. 

Inquiry Information : Inquiring Company XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Inquiring Company : XXXX Date of Inquiry : XX/XX/year> Inquiring Company : XXXX XXXX Date of Inquiry : XX/XX/year> Inquiring Company : XXXXXXXX XXXX Date of Inquiry : XX/XX/year> These inquiries were made without my permission and constitute a violation of the Fair Credit Reporting Act ( FCRA ). According to the FCRA, only inquiries that I have explicitly authorized should appear on my credit report. I have never applied for credit or given my consent for these companies to review my credit report.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the XXXX XXXX XXXX or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-22
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (CA)

XX/XX/2023 My account has been locked and Apple or Goldman Sacs has not provided a reasons why. 
I requested the reason after contacting support. They requested that I change my password and I did so. After this they claimed someone will contact me within 2 hours to resolve and no one has contacted me. Meanwhile my account remains locked, and I have not been provided any information related to the details of why it is locked.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.? Except as provided in paragraph ( 3 ), the term? consumer report? does not include? ( B ) any authorization or approval of a specific extension ofcreditdirectly or indirectly by the issuer of acredit cardor similar device.THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME Here 's the list XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$21000.00} XXXX  XXXX XXXX {$340.00} XXXX XXXX XXXX, XXXX
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MN)

XX/XX/24 On or around XX/XX/24 I spoke with Experian customer service, and kindly requested them to update my credit file with the correct address. I shared that disputed info must be updated or deleted.The agent refused my request. I reminded them that my credit file needs to be reported 100 % accurate per FCRA guidelines. The agent still refused to update incorrect address.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

PLEASE BLOCKED AND REMOVED. 
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

Again, I was a victim of identity theft and this is another request to delete or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/delete any items not later than 4 business days. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on these items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Balance : {$4100.00} XXXX  XXXX Balance : {$0.00} XXXX XX/XX/year>
Consumer complaint received 2024-05-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated : XXXX XXXX XXXX XXXX. The inaccuracies are highly injurious to my credit score. In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently reviewed my credit report and noticed fraudulent accounts. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. ACCOUNTS : XXXX XXXX XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX are all fraudulent.

Also, according to 15 USC 1681s-2, a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 12 CFR 1006.34 ( c ) ( 4 ) ( l ), collection agency is violating my consumer rights by using false misleading, deceptive means.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX Balance Owed : {$720.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX XXXX {$7600.00} XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX  XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$1200.00} XXXX XXXX  XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year>