davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-13
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. (NC)

Fair Collections & Outstanding is not licensed to collect in the state of north Carolina as you see in the attachment below which is a violation of the law ( No person, firm, corporation, or association shall conduct or operate a collection agency or do a collection agency business, as the same is hereinafter defined in this Article, until he or it shall have secured a permit therefor as provided in XXXX Chapter 58/Article 70 ( PDF ). ) which invalidates this debt, with this not being a debt that can be legally collected it must be removed from my credit report
Consumer complaint received 2019-03-13
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Williams & Fudge, Inc (NC)

on XX/XX/2019 a company called William and Fudge called me from a North Carolina number. They stated I had a federal Perkins loans that had been transferred to their office. Prior to this I had never heard of the company or received anything from the original loan provider XXXX XXXX XXXX , XXXX . When I spoke with the company they confirmed that they never sent anything out. I requested a be mailed something that verify who this company is and that the account had been transferred to them before giving them my personal information. They stated they wanted to add this to a loan set up I already have with another Student loan provider. They wanted me to give them the information to that company so they could add this amount. I never received anything that verified the company. On XX/XX/19 I received an email from a ( XXXX ) only when opening the email does it say William and Fudge. Once again this letter doesn't make any reference to the original company or that account number nor did it state any information validating the company. In fact it looked like a logo was copy and pasted into the email and then they typed below. Additionally the number listed in the email does not match the number they call from. When you call the number back they don't answer with a company name.
Consumer complaint received 2024-04-29
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. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-29
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: EQUIFAX, INC. (CT)

My payments are always made on time, of that I am certain. However, I am unsure why this company is reporting me as late in certain months, which should not be the case. USC 1666b states that any billing errors should be corrected, or they will be required to pay me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

FCRA 605B stipulates that we must eliminate any inaccurate accounts from my credit report. Could you please review the documents? Several of the listed accounts contain inaccuracies in their reporting. I am entitled to {$1000.00} for each incorrect entry on my credit file.
Consumer complaint received 2024-01-09
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. (KY)

I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy and also The Fair credit Reporting Act was intended to insured that consumer reporting agencies exercise their grave responsibility with fairness, and respect to the consumer right to privacy! Under the Gramm Leach Bliley Act of 1999. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names. business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. 

Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681 ), there should be no charge for this report. Your immediate attention to this matter is appreciated. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Date Open : XX/XX/XXXXXXXX  Balance : {$300.00} Account Name : XXXX XXXX XXXX XXXX 
Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$300.00} Account Name : XXXX XXXX Account NumberXXXX Date Open : XX/XX/XXXX Balance : {$280.00}
Consumer complaint received 2024-04-29
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. (VA)

I have credit inquiries that I do not recognize and did not give consent to be on my credit report or check my credit report, I have had a problem with fraud being committed in my name and I will like these to be removed only thing I have applied for was a XXXX XXXX card everything else is fraud
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2023-05-03
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: JPMORGAN CHASE & CO. (OH)

Chase pulled my credit twice for one credit app. They know they made the mistake and said they would submit to remove but havent. Its causing harm to my credit.
Consumer complaint received 2023-07-29
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: EQUIFAX, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some personal information. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am reaching out to inform you that I have been a victim of identity theft. Please consider this communication as a formal dispute regarding the following accounts. I have contacted all the companies directly and followed the necessary steps to address this issue. I filed an identity theft report with the FTC and have informed all the companies involved. Now, I am disputing the information that should not even be appearing on my file. Please assist me in resolving this matter promptly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I am willing to give you XXXX final opportunity to process my request regarding my identity theft. Failure to do so will leave me with no choice but to seek legal recourse in the courtroom, where you will be held responsible for the damage inflicted upon my reputation, credit, and emotional well-being as a result of this issue. It is highly likely that the significance of the material facts will become abundantly clear, and you will be required to compensate me for your negligence.
Consumer complaint received 2024-01-09
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. (NJ)

I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

I am also placing a FTC reference number- # XXXX  so that you can verify the inaccuracy of fraud that is placed on my credit report.

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation.

Enclosed are copies of documents supporting my claim for your review.

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

In spring of XXXX I checked into my TranUnion credit report since both XXXXe of my credit card companies and my bank offer free monitoring through TransUnion. In both places I had a very old address reported as my current address. I haven't lived there since XXXX and this was now showing up again. I tried to go online and file an online dispute but the page immediately went to " We're sorry we can't file a dispute for you now. Please try again later. '' I tried a few times over the new few months and it always went the same way. Eventually in fall XXXX I just called the phone number and talked to someone to resolve it. The address continued to appear online for a few months, but eventually stopped showing up. 

Now, in XX/XX/XXXX my phone number is incorrect. It's actually the cell phone number of my ex-wife, who I divorced two years ago. I tried once more to file an online dispute but got the same error message. I did not bother trying more than once- I just called them directly and hopefully fixed it. 

I've had my SSN stolen in the past- when I was in college nearly 20 years ago- and had a freeze on my report. I haven't had a freeze or alerts for at least a decade now. I've worked with all three credit monitoring agencies over time because of it, though some further ago than others. TransUnion remains the most difficult to work with- a consistently non-functional website, always hard to talk to an actual person, more hoops to jump through to get anything done. There's no reason for them to be this difficult. I have the privilege of having the time to deal with them to eventually get things done. I can not imagine what it's like for folks who don't. If I could shut them down in a heartbeat I would.
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX  XXXX Balance {$240.00}.
Consumer complaint received 2023-06-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-09-16
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. (NE)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2024-01-09
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. (NV)

I am a victim of Identity theft due to the XXXX data breach and the XXXX XXXX data breach. I notified all of the credit reporting companies of this and was met with push back. XXXX stated the information was verified the same day I disputed it. There is no way the accounts were verified same day. What investigation was done?
Consumer complaint received 2024-01-09
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. (NJ)

While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, 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 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 2024-01-09
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. (CT)

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 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 2024-01-09
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. (CA)

I have been a victim of identity theft which I discovered around XX/XX/. I have notified all consumer reporting agencies with a FTC Identity theft report which listed all the accounts added to my report without my knowledge. Some of the items were removed and some were not. The situation has caused my own banking privileges to be dramatically downgraded and created a storm of financial complications, unknown collection accounts and debt which is now attached to my name. The consumer reporting agencies are not exactly helping and I am unsure where to turn. I was told that it can take another 30 days for the creditors to respond to my disputed accounts on top of the previous 60 days which is unacceptable and even uncertain. I am completely blinded by the situation and unsure how to remedy the problem. Please help.
Consumer complaint received 2023-06-12
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: Experian Information Solutions Inc. (IL)

I requested verification of this account as it incorrectly continues to report on my credit reports when the furnisher has no record of account in their records. 

I had previously requested documents on the account without response to my letters and when I called the creditor, they stated they had no record of any account. 

The credit bureaus continue to report the account as updated monthly.
Consumer complaint received 2024-01-09
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. (FL)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX Bankruptcy Case Number : XXXX Delete this account. 
2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS CAPITAL ONE Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 9. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX 10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.