davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-27
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.

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 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account is reporting 100 % accurately if you can not provide me with this information in XXXX  days delete this account from my credit report and send me a copy of my updated credit report.
Consumer complaint received 2024-05-27
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)

( XXXX XXXX XXXX ) ( XXXX - XXXX - XXXX ) Date of Birth : ( XX/XX/XXXX ) - This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at ; - XXXX XXXX on XX/XX/XXXX account # ( XXXX ), - Service opened at XXXX XXXX XXXX Mobility on XX/XX/XXXX account # ( XXXX ), XXXX XXXX XXXX XXXX XXXX account # ( XXXX ) - XXXX XXXX  Inquired on XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint [ # XXXX ] as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2018-07-20
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: Experian Information Solutions Inc. (PR)

I am in the process of buying a property and I identify an account that does not belong to me with XXXX in my credit report. I already call XXXX trying to resolve the situation but they told me they don't have any situation, case or account with me under my social security number. The only account I have with them is a XXXX XXXX card, that is closed and it is paid as agreed. I try to dispute this account with XXXX, XXXX, and XXXX  and they closed my dispute saying that the account belongs to me and that the information is accurate when is not. This account appears as charge off with {$610.00} written off and {$430.00} past due it says that the account was open on XX/XX/2013.
Consumer complaint received 2024-08-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc. ()

XX/XX/year>, my boyfriend send {$150.00}. But the remitly canceled the transaction. I don't know why and this is the first time that happened. I was contacted their customer support regarding the issue but they keep telling me to contact the sender and then the sender contacted them they said they can not help because every time he send it was the system because their specialized team detected a suspicious. And I asked the customer service about that if they block me they said no. And because of them my boyfriend angry with me. Because of them!
Consumer complaint received 2024-05-28
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. (CA)

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. Despite my submission of the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. Moreover, other credit bureaus have already removed these accounts from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent accounts. Please DELETE the account : XXXX XXXX XXXX
Consumer complaint received 2023-06-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2024-05-28
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. (VA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2018-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

Made an investigation with all major credit reporting companies about a Debt Buyer Company : XXXX XXXX XXXX which has no license as a debt collector in the XXXX of XXXX XXXX as per State Debt Collection Statutes and did not ERASE this debt collection information ; DECREE # XXXX LAW # XXXX of XX/XX/XXXX and Law # XXXX dated XX/XX/XXXX. 

Reporting companies are placing this information twice with the Original Creditor and also the non state compliance debt collector XXXX XXXXXXXX XXXX which has no license as a debt collector to the residents of the XXXX of XXXX XXXX THEY DO NOT MEET THE REQUIREMENT OF THE FEDERAL REPORTING CREDIT ACT
Consumer complaint received 2024-06-21
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. (FL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2023-04-16
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. (CA)

In accordance with fair Credit Reporting act XXXX accounts has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a loan under an open end consumer credit plan as late for any purpose.
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. (CO)

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.

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 2024-05-27
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. (NY)

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.

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 2024-05-28
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 am writing to delete the following information from my file. The items i deleted are listed in the report I am a XXXX  XXXX  of identity theft and i did no make the charge. I reported the theft of my identity to the federal trade commission and i also have enclosed copies of the federal try, commsision identity, theft, affidavit. 
Please delete this items as soon as possible.
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. (NJ)

PLEASE BLOCKED AND REMOVED I strongly advise against including this suspicious entry on my credit report. It does not belong to me, and its presence is highly concerning. Please take the appropriate measures to rectify these inaccuracies.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

My payments are always made promptly, of that I am certain. What puzzles me is the occasional late reporting from this company, which shouldn't be the case. Per XXXX XXXX, any billing error must be rectified promptly and updated to reflect payment as agreed.
Consumer complaint received 2022-11-21
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. (MO)

I am submitting this CFPB Complaint to request to you once again to look deeply into my complaint and have the disputed items removed as soon as possible. 
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

Please remove the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. Here is the list of accounts that should be removed as soon as possible : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX Owed : {$370.00} ACCT XXXX XXXX XXXX Balance XXXX : {$370.00} ACCT XXXX XXXX XXXX Balance Owed XXXX {$370.00} ACCT XXXX XXXX  XXXX Balance Owed : {$370.00} ACCT XXXX XXXX XXXX Balance Owed : {$370.00} ACCT XXXX XXXX  XXXX Balance Owed : {$370.00} XXXX XXXX Balance Owed : {$770.00} XXXX XXXX Balance Owed : {$770.00}
Consumer complaint received 2024-06-05
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. (MT)

I reviewed credit report and noticed several inquiries that i never applied for nor allowed to run my credit. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

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 XXXXXXXX
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

This is my 4th endeavors to tell the 3 credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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  Balance Owed : {$0.00}
Consumer complaint received 2024-05-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Dear Sir or Madam, Re : Request for Removal of Consumer Report and Reopening of Bank Account I am writing to formally request the removal of a consumer report and the reopening of my bank account with Bank of America. This request is made in accordance with the Fair Credit Reporting Act ( FCRA ) and CFPB guidelines, which ensure the accuracy and fairness of credit reporting. 

On XX/XX/XXXX, I deposited a check for {$1100.00}, given to me by an individual who owed me money. On XX/XX/XXXX, Bank of America flagged this check due to an irregular signature and subsequently closed my bank account. I was unaware of any issues with the check 's signature at the time of deposit. 

I would like to highlight the following points to support my request : Lack of Involvement in Fraudulent Activity : I had no involvement with the fraudulent check and was unaware of the irregular signature. I have never engaged in fraudulent activities or had any records of fraud, late payments, collections, or any other financial discrepancies. 

Exemplary Financial History : I am a responsible businessman with a credit score exceeding XXXX. I pay my taxes regularly and have maintained a personal Bank of America credit card account since XXXX without any payment issues. 

Premature Account Closure : I believe that Bank of America 's decision to close my account was premature and not based on sufficient cause. Under the FCRA, I am entitled to a fair and accurate investigation of any negative information that impacts my financial standing. 

Impact on Current Financial Endeavors : I am currently in the process of purchasing my first property in XXXX XXXX  XXXX. After extensive research, I have found Bank of America 's mortgage options to be the most appealing. Reopening my bank account with Bank of America is crucial for my financial planning and property purchase. 

I respectfully request the following actions : XXXX ) The removal of the consumer report related to the XX/XX/XXXX incident. 
XXXX ) The reopening of my bank account with Bank of America. 

Please find my contact information below for any further inquiries or documentation required to process this request : Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Email : XXXX I appreciate your prompt attention to this matter and look forward to a swift resolution. Thank you for your consideration. 

Respectfully, XXXX XXXX XXXX last name BADIHI
Consumer complaint received 2024-05-28
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. (TN)

This is my XXXX endeavors to tell the XXXX credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. 1681 c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-06-01
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)

this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor XXXX from any of the following inquiries. Block and remove them.