davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-03
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)

After reviewing my credit report, I have found a number of inaccurate information listed such as names, addresses, closed accounts & debt. 

It is my right under the Fair Credit Reporting Act to ask for the name & address of the business that claims the debt. 

My request is for they either to verify the information or to remove the debt from my credit report. XXXX, XXXX, Transunion and XXXX XXXX  are not maintaining reasonable procedures. 

I request that you comply with the law and give me the verification in writing within XXXX working days of receiving this letter. It is important that I correct my credit report as soon as possible. 

I, as a federally protected consumer, am invoking my specified remedy as a consumer, and the debtor, I hereby demand all of the following : I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease & desist all forms of communication with me through any and all mediums UNLESS it pertains to my remedy in WRITING via mail pursuant 15 USC 1692c. ( c ). 

I, the affiant and consumer, in writing with adequate information on all forms of remittance " accepted '' and the remittance provider address and the name exactly as it appears on the I.R.S statements so we can resolve this issue post haste. If you are not familiar with remittance transfers, please see XXXX XXXX XXXX C.F.R Subpart B " Requirements Remittance Transfers '' for your reference. 

I do in good faith expect you to handle these matters with ordinary care to address all subject matter. Respectfully. I declare under penalty of perjury WITHOUT the United States ( 28 U.S.C 1746 ) that the Above is the Truth, The Whole Truth and Nothing but the Truth to the best of my knowledge and Overstanding. 

The Fair Credit Reporting Act XXXX Common Violations which include inaccurate violations, incorrect addresses, unauthorized accuses and right authorization are all violations. 

15 usc 6802-6805 Disclosing my information XXXX. COLLECTION AND ENFORCEMENT BY SECURED PARTY 15 U.S.C. 1692e ) If a debt collector does violate the FDCPA they can be liable for up to {$1000.00} in damages plus any attorney 's fees. Meaning you all have been calling me about debts that have been CLOSED and PAYED off with GAP insurance and insurance. You can NOT collect on a debt after its been closed or payed off. You have violated my rights. 

Additionally, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-05-03
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. (FL)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 


XXXX Account Number : XXXX Inquiry XXXX XXXX
Consumer complaint received 2024-05-03
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)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2021-11-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

I sent a wire transfer over on XX/XX/XXXX to XXXX XXXX to purchase a house. XXXX XXXX the real estate agent and she works for XXXX XXXX. XX/XX/XXXX ( day before ) I ( Me ) purchase a cashier 's check & XX/XX/XXXX XXXX said the title company was in XXXX. Everywhere in XXXX aren't they the same company. Yes but XXXX XXXX XXXX is different. XXXX would have to mail it like she did the {$10000.00} down payment I gave her in a cashier 's check for the deposit. If I would have been given more notice I could have hand delivered it myself to XXXX by just taking a 30-minute flight. From XXXX XXXX XXXX round trip XXXX XXXX. 
Cashier 's check was for {$410000.00} I can't afford to lose that so I went back to my bank ( Wells Fargo ) deposited the money and then wire transferred the money directly to XXXX XXXX for {$410000.00} in the midst of all this confusion I was at the bank. I met up with XXXX at house XXXX XXXX XXXX ( I found out later onshe 's not a broker she lied. ) I've been swindled out of everything.To make a long short the house was sold on XX/XX/XXXX of XXXX for {$350000.00}. I called the police I try to reach out I don't know what else I could have done XXXX has financially drained my bank account I don't even have the finances to provide for my family with on top of it moving I've tried to question I've tried calling XXXX XXXX but the house in someone's name XXXX XXXX XXXX XXXX. I filed a police report XXXX with XXXX XXXX ( wire fraud ) wells fargo won't let me dispute a charge. Or let me have access to that account. Wells
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I appreciate your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 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
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reviewed my credit report in XX/XX/2024 and noticed my name was not reported accurately. After XXXX letters were sent ( in XX/XX/2024 and XX/XX/2024 ) the information remains incorrect in my reports today. 
The consumer reporting agencies need to report all information with complete accuracy. I've attached a copy of my government issues driver 's license, my social security card and proof of address to this complaint. I am now requesting that you update my records showing my correct name as XXXX XXXX XXXX XXXX. My only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Also, please update and remove the XXXX XXXX  ( XXXX XXXX and XXXX ) whom I've no longer worked for. 

Thank you for your understanding and prompt action.
Consumer complaint received 2024-06-02
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. (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. 

XXXX XXXX Account # 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 1981 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 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-21 ( 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 2024-05-03
Product: Credit card — General-purpose credit card or charge card
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. (IL)

Timely payments are my standard practice. I'm certain of this. However, I'm perplexed by the sporadic late reporting from this company. As per USC 1666b, any inaccuracies in billing should promptly be addressed and reflected accurately on my payment record.
Consumer complaint received 2024-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-05-03
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. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 2024-05-03
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. (NY)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-03
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. (IL)

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 XXXX days of receiving them. My dispute regarding XXXX XXXX was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-01-02
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. (PA)

I notice the fraudulent and inaccurate accounts on my credit report I try to send dispute letter to the 3 credit bureaus but they said I using a credit repair company which is wrong I'm doing all the letters I send I also filling complaint regarding on that issues here 's the list of negative account I want to delete or remove Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When was the Account opened : XXXX XXXX, XXXX Account Balance : {$600.00} Account Name : XXXX XXXX XXXX XXXX XXXX When was the Account opened : XX/XX/XXXX Account Balance : {$8500.00} Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX  When was the Account opened : XXXX XXXX, XXXX Account Balance : {$0.00} Inquiry name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry name : 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-03
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. (TX)

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 2024-05-03
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. (NC)

I was a victim of XXXX XXXX and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the XXXX took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of XXXX XXXX. I am writing to request that you block the following Incorrect information from my credit report.
Consumer complaint received 2024-05-03
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. (IL)

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 XXXX party. They in fact did not come from a XXXX 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 2024-05-03
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 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. the inaccuracies are highly injurious to my credit score XXXX XXXX  XXXX 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 reinvestigation
Consumer complaint received 2024-05-03
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. (MS)

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 Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXXXXXX XXXX Account Number:XXXX Account Name : XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX 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 2024-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF NEW YORK MELLON CORPORATION, THE (MA)

My debit card was lost during a vacation to South Carolina. I do not use my card on a regular basis and did not realize it was missing until I discovered unauthorized purchases made without the PIN number being used. My debit card was used without the PIN to make {$330.00} in unauthorized/ fraudulent purchases. Why was my debit card allowed to be used to take cash out of my Fidelity XXXX XXXX account without using the security feature of the PIN? The bank should not allow a debit card to be used without the PIN. This is the whole point of having a PIN - to protect me if my card is lost or stolen.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (FL)

I trust this communication reaches you with the urgency it demands. I am writing to bring to your immediate attention critical matters concerning my consumer rights under the Fair Credit Reporting Act ( FCRA ), with a focus on Ally Financial. 

As stipulated in 15 USC 1681 section 602 ( a ), it is imperative to ensure that consumer reporting agencies, including XXXX and XXXX, fulfill their duties with fairness, impartiality, and utmost respect for the consumer 's right to privacy. Furthermore, 15 USC 6801 underscores Congress 's policy, highlighting the obligation of financial institutions like Ally Financial to safeguard customer privacy and protect nonpublic personal information. 

I assert my right, as the consumer, to prevent the unauthorized sharing of my private information, supported by 15 USC 6802 ( b ) ( c ). Despite this, Ally Financial and the consumer reporting agencies, XXXX and XXXX, lack my consentwhether verbal, non-verbal, written, implied, or otherwiseto furnish this information. 

It has come to my attention that Ally Financial failed to inform me of my right to exercise the nondisclosure option, a clear violation of 15 USC 6802 ( b ) ( c ). Additionally, the reporting of adverse information without my permission, detailed in 15 USC 1681C ( a ) ( 5 ), is a direct contravention of the law. 

Under 15 U.S. Code 1681s-2 ( A ) ( 1 ) A, it is impermissible to furnish inaccurate information to a consumer reporting agency. XXXX and XXXX currently do not maintain reasonable procedures, as mandated by 15 U.S. Code 1681e, to avoid violations and limit the furnishing of consumer reports to legitimate purposes. 

Moreover, I note the illegal reporting of transaction history, excluded under 15 U.S. Code 1681b ( A ) ( i ). Reporting transaction history is in direct violation of the FCRA. 

In response to these violations, I demand immediate action to rectify these breaches and ensure full compliance with the FCRA.