davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

" Your agency is in violation!

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.

Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-05-09
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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

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 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 2024-05-09
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. (MO)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I just checked again my XXXX, XXXX and TransUnion credit reports and I can see accounts reporting inaccurately. These late payments are illegal. This is a violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see attached file below
Consumer complaint received 2024-05-09
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. (NY)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-05-09
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. (NC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-09
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. (NY)

I am writing to request the removal of the following hard inquiries from my credit report : XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX U.S. POSTAL SVC XXXX XXXX Inquiry : XXXX XXXX, XXXX These inquiries were made without my express authorization, and I believe they do not accurately reflect my credit-seeking behavior. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to request the removal of any unauthorized or inaccurate information from my credit report. 

I kindly request that you investigate this matter and remove the disputed hard inquiries from my credit report as soon as possible. 
Please send me written confirmation once the investigation is complete and the inquiries have been removed. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-09
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. (FL)

There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer.
Consumer complaint received 2024-05-09
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. (NJ)

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 XXXX XXXX XXXX  XXXX, XXXX  XXXX : XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, has violated my rights. 


15 U.S.C. 1681section- 602 A. States I have the right to privacy 15 U.S.C. 1681section- 604 ; It also states a consumer 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 counting 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 2024-01-12
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. (PA)

My name is XXXX XXXX. XXXX I sent my FTC report and PA license to XXXX, XXXX, and Transunion. I did not authorize these fraudulent accounts. I will be filing a civil suit for the reporting of fraudulent accounts on my consumer report.
Consumer complaint received 2024-04-26
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: EQUIFAX, INC. (TX)

I am requesting that XXXX fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (UT)

On XX/XX/XXXX I received a phone call from my bank, Wells Fargo, that ended in me getting scammed out of {$3500.00} through the XXXX money transfer service. The number that called me even came through as the number associated with Wells Fargo customer service line. After waiting 2 weeks and not hearing anything, I called Wells Fargo who then informed me a decision had been made, and I would not be getting my money back. The institution receiving the funds refused to refund them and, as I learnrd, XXXX does NOT protect against scams.
Consumer complaint received 2024-05-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I always try to maintain a XXXX Credit Card balance when statements come due. Sometimes, this involves paying off more than my balance late in the week when I know large charges are coming through on the weekend if the closing date is also on the weekend. I thus paid off my balance with the addition of charges for the weekend of XXXX XXXX on XX/XX/XXXX, as the closing date is the XXXX of the month. However, Bank Of America, without consulting me and without my authorization, credited me the balance on the XXXX, which was the last weekday before closing. This resulted in the large charge coming through on the XXXX. This large charge ended up as a positive balance on my credit card, which was reported to credit bureaus and resulted in my Credit Score decreasing. I contacted Bank of America about this issue and requested that this negative balance credit be disabled. They informed me that this was a permanent feature for situations where there is a negative balance at closing for XXXX consecutive months. I made it clear that this feature did not catch all contingencies, as it does not account for closure dates on the weekend when it credits on the Friday before. They again confirmed that there was no way to fix this. I urge Bank of America to consider cases such as mine, as they can not be that uncommon. Please allow this unwanted balance credit feature to be opt-out or fix the bug so that it accounts for weekend charges prior to closing. Thank you.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-09
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. (NV)

In XXXX, while I was away XXXX XXXX XXXX XXXX  my father obtained more than XXXX XXXX in fraudulent debt/credit in my name. While I have been able to have most of this fraudulent activity removed, there are some accounts/creditors that remain. I did not receive any benefit from these accounts nor did I know anything about them until XXXX I filed a police report but can not access a copy, and have been unable to file another report due to my traveling schedule. I have submitted several fraud investigations with the credit bureaus but they have not taken the appropriate action.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have filed a complaint # XXXX on XX/XX/2023. I provided documentation to support my claim that Transunion allowed my credit filed to house incorrect account balances as well as incorrect status. This lack of investigation of information as well as written consent from me has and daily causes me mental and physical stress.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I am writing to bring your attention to a dispute I initiated with the credit reporting agency, Experian, on XX/XX/2023. The dispute was raised to correct personal information inaccuracies present in their system, specifically concerning XXXX previous addresses listed in my profile that I am not associated with. I had sought rectification of these inaccuracies to ensure the reflection of my accurate residential history. 

As per my rights under 15 U.S. Code 1679c - Disclosures, I explicitly requested Experian to communicate with me solely via postal mail sent to my current address. I made this request due to concerns about the potential exposure to data breaches through electronic mail. Contrary to my explicit request and in violation of the aforementioned statute, Experian responded via email on XX/XX/2023 based on the disputed resultsA. This inappropriate handling of my personal data has caused me anxiety due to potential risks of data exposure. 

Subsequently, Experian denied my dispute, which I believe further violates 15 U.S. Code 1679c - Disclosures. They opted to retain the incorrect addresses on my profile, justifying their action by claiming my assertions were unverified. This process, in my view, has dishonored my words and concerns. 

Given these circumstances, I request the assistance of the CFPB to ensure that my personal information is accurately reflected in Experian 's records, my preferred communication method is respected, and that Experian complies with its legal obligations under 15 U.S. Code 1679c - Disclosures.
Consumer complaint received 2024-07-14
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. (KS)

Please remove the following Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason : Fraud - Did Not Authorize
Consumer complaint received 2024-05-09
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. (MD)

I think FCRA 605B requires us to delete any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies in their reporting, including incorrect amounts and dates.
Consumer complaint received 2024-05-09
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. (GA)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2024-04-26
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: EQUIFAX, INC. (KY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$10000.00}
Consumer complaint received 2020-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Mezcal Corporation (CA)

Mega Auto Finance has closed and charged off the account as bad debt which legally means they submitted for a tax write off and now are no longer supposed to attempt to collect. Instead they repeatedly every month tarnish mine, and my co-signers credit report. 

I have tried settling originally the debt, and mega auto finance did not want to negotiate. Now I am also challenging the validity of this assumes debt. If its supposed to be closed which all credit reports show, how is it legal to not only increase the balance owed but also report negative harassing information.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting Act, the listing of accounts below have violated my federal protected consumer rights to privacy and confidentiality un 15 U.S.C 1681 : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C 1681 section 602 A states ; I have a right to privacy. 15 U.S.C 1681 section 602 A Section 2 states ; a consumer reporting agency can not furnish an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: Better Mortgage, Inc. (AZ)

I applied for a refinance to lower my rate with Better mortgage and had issues with the appraisal. The person that came to my home to take photos and measurements was not the appraiser. He told me he was a realtor he just goes to houses to take photos and measurements and passes it along to appraiser who will complete the appraisal. Not only did appraiser not go to my home he used comps that was old it was the same comps used from when I purchased the home. The result was value coming in very low and loan being denied.
Consumer complaint received 2023-12-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have old sallie mae loans that were discharged in bankruptcy and equifax is showing 5 late payments on these 2 loans after they were charged off and discharged in bankruptcy.. My fico is showing recent late payments and so is my report..