davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-17
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. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation
Consumer complaint received 2024-05-18
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. (AR)

I hope this message finds you well. I am writing to formally request the removal of certain inquiries from my credit report. Upon reviewing my credit report, I noticed several inquiries that I believe were made without my authorization or are no longer relevant. I kindly ask that you investigate these inquiries and remove any that were made in error or without my consent in accordance with the Fair Credit Reporting Act ( FCRA ). 

Additionally, I would appreciate receiving regular updates on the progress of your investigation and a clear timeline for when I can expect to see these inquiries removed from my credit report. Below are the details of the inquiries I am requesting to be removed : 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 2024-01-18
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)

These accounts are fraudulent and need to be terminated from my credit report as soon as possible. I am a victim of identity theft and did not make these charges whatsoever. Please remove these alleged accounts as soon as possible. I reported this and have also included the FTC Affidavit that lists the fraudulent accounts. Please delete these alleged charges/accounts as they are causing a substantial amount of harm and inconvenience to me as consumer.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally dispute an inaccurate and unverifiable item on my XXXX, XXXX, and Trans Union credit report. The account in question is a charge-off reported by XXXX XXXX , with the account number XXXX. This item is listed under adverse accounts on my credit report and is damaging my credit standing. 

I request an immediate investigation into this matter under the provisions of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. According to the FCRA, all information reported to credit reporting agencies must be accurate, complete, and verifiable. If XXXX XXXX can not substantiate the accuracy and completeness of this account with documented evidence, it must be promptly removed from my credit report. 
Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692c ( b ), my right to privacy regarding my personal financial information is protected. As such, I am requesting that any information that can not be verified be immediately deleted, as retaining such unsubstantiated data violates my rights under federal law. 

Please provide a written confirmation that this item has been deleted from my credit report within 30 days of receiving this letter. If you need further information, do not hesitate to contact me at the address or phone number listed above. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution.
Consumer complaint received 2024-05-17
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. (IL)

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.

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 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Months ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC ()

In XX/XX/year>, I received an unexpected bill from XXXX XXXX XXXXXXXX XXXX XXXX for XXXX XXXX provided to my mother, XXXX XXXX, who has been under Medicaid and Medicare coverage for the past three years. Given that her primary and secondary insurances have consistently covered all her medical expenses, the sudden appearance of this bill raised significant concerns. Despite my mothers ongoing Medicaid and Medicare coverage, which should have fully covered the services in question, the bill indicated an outstanding balance of {$2500.00}. 

To resolve this discrepancy, I promptly sent a formal dispute letter on XX/XX/year>, to both XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX requesting a thorough review of her billing records and coordination with her insurance providers. To date, I have not received a response from either party. My mother, who is now in XXXX XXXX due to XXXX XXXX, is unable to manage her own affairs, and this unresolved billing issue has added unnecessary stress during an already difficult time. I am seeking the Consumer Financial Protection Bureaus assistance to ensure that this matter is investigated and resolved fairly and promptly. 

Since receiving the bill, I have found it increasingly difficult to locate any legitimate information about XXXX XXXX XXXXXXXX XXXX XXXX  There appear to be similar entities with the name XXXX XXXX XXXX of [ State Name ] in various states, which adds to the confusion and raises concerns about the authenticity of this debt. It seems that Wakefield Associates and XXXX XXXX XXXX, the debt XXXXollectors involved, may be engaging in predatory practices by attempting to collect a debt that I firmly believe is not owed. This situation has caused significant distress, and I am seeking the Consumer Financial Protection Bureaus assistance in investigating these companies and ensuring that this matter is handled with the scrutiny it deserves. 

Importantly, I should note that each time I received a bill from them over the years, I immediately contacted them by phone and was assured they were working with out with insurance. As you can see from the attachments. The did work out most of it and now are trying to squeeze someone with no assets for $ XXXX she doesn't have right before her death.
Consumer complaint received 2024-05-17
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. (OH)

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.

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 2024-08-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: Chime Financial Inc (GA)

So over a year Ago there was something unusual going on with my chime account as to maybe somebody may have had access to it without my knowledge, and my account was closed by chime due to suspicious activity on XXXX i have no idea as to why chime has never given me the right steps on how to proceed with the incident even after I have sent them information confirming my identity to that account, and as of XXXX I still dont have access to my chime account and that account is very critical to my financial foundation as I need to access sensitive information in that account like bank statements as most likely there has been fraudulent activity in my account I dont understand why chime hasnt either just close my account altogether or just let me have access back to it so I can get the viable information I need out of there so Im hoping maybe this complaint submission can help get through to chime thick skulls so I can have access back to my account especially if theyre emailing me updates as if I have been active on there which I havent
Consumer complaint received 2024-06-04
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. (MO)

XXXX XXXX XXXX XXXX in the amount of {$640.00} XXXX XXXX XXXX {$4500.00} XXXX XXXX {$450.00} were disputed XX/XX/year> and XX/XX/year> disputed with pertinent correspondence that indicated that the accounts were not mine to which the Experian rep on recorded call identified multiple identity to the account did that did not align and then suggested that report findings were verified but when I asked for the items verified they were not produced. I was instead told it was verified and validated. When both XXXX and XXXX credit bureaus took time to review documents found the information to not align with my identifying information and indicated verifications could not be validated.
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXXXXXX Balance : {$450.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$460.00} ; XXXX XX/XX/2022.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

This company XXXX is reporting 2 different places on my credit report iam demanding the removal of this account. As you look you will see its 2 totally different address this is a conflict here. By law you are required to remove this.

15 USC 1681 refers to a specific section of the United States Code, which deals with consumer credit reporting. It's part of the Fair Credit Reporting Act ( FCRA ), which regulates the collection, dissemination, and use of consumer credit information.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-07-22
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. (LA)

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 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed inquiries I didn't consent to and personal information I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I never consented to these inquiries and did not provide written consent to report them List all inquiries : Here is the personal information that I never consented to or provided written consent to report : List all personal information want deleted :. 
Please investigate and provide proof with statements showing that I authorized or consented to these inquiries or personal information and proof that I authorized the reporting of this information. If proof can not be provided I demand these inquiries and personal information be deleted. 
Adjust accordingly if there is no inquiries or personal information to be deleted "
Consumer complaint received 2024-05-17
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. (MD)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

First, according to the FCRA 605B ss ( 15 U.S.C. ss 1681c-2 ), it is illegal to report any information on my credit report without my permission. XXXX XXXX, division of XXXXXXXX XXXX XXXX continues to defame my name and my character, after I spent my hard-earned money to make a payment after countless harassment calls, letters, and derogatory remarks on my consumer credit reports. Despite your refusal to correct any records or remove any private information they are reporting without my permission, I am confident that you have violated many of my consumer rights. 
1. Copyright Infringement - See Record Filing Link : Record # : XXXX XXXX XXXX XXXXXXXX XXXX. Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) ( a ) Reporting income as debt.

( b ) You failed to report the account as paid for less 3. 16 CFR 313 4. Negligent Enhancement of Identity Fraud Every time you report inaccurate information, you leave consumers more susceptible to identity fraud 5. Defamation of Character and Embarrassment in the eyes of real Creditors 6. Consumer Financial Protection Bureau ( CFPB ) regulations There is no need continue communication or negotiations as I have done everything in my power to rectify this matter including sending letters, filing disputes with the credit bureaus, and even hiring credit advocates to assist me in correcting my files. 
My final correspondence to XXXX XXXX, A DIVISION OF XXXX XXXX XXXX, a notice to CEASE AND DESIST : XXXXXXXX XXXX is hereby ordered to Cease and Desist all activities including collection, third-party reporting, the selling of my private information, or any activity using the name XXXX XXXX, XXXX XXXX XXXX and any and all variations including misspellings. Any future activities will be subject to COPYRIGHT INFRINGEMENT.