davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-15
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. (FL)

I am submitting a complaint to follow up on the dispute regarding the accuracy of my credit reports, as per the provisions outlined in the Fair Credit Reporting Act ( FCRA ). As mandated by the FCRA, it is the responsibility of credit reporting agencies to ensure the accuracy and timeliness of information reflected in credit reports. I am urgently requesting a thorough investigation into the following accounts to rectify any inaccuracies within my credit reports. I kindly ask that the necessary updates be made promptly, ensuring the accuracy of my credit reports within the upcoming 15 days of the scheduled credit report update : XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.00}
Consumer complaint received 2023-11-15
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. (CA)

I am writing to file a formal complaint regarding multiple unauthorized hard inquiries on my credit report, which I believe are the result of identity theft. This issue has unjustly affected my credit score and has caused me significant distress. 

Recently, I discovered that several hard inquiries were made under my name without my consent or knowledge. These inquiries, listed below, do not correspond to any credit application or financial activity that I have initiated. The following hard inquiries are unauthorized : 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 

I kindly request your urgent assistance in removing these unauthorized hard inquiries from my credit report as soon as possible. The presence of these inquiries not only misrepresents my financial behavior but also significantly impacts my creditworthiness. 

Enclosed with this letter are copies of documents supporting my claim, including the Identity theft report, and a detailed list of the unauthorized inquiries. 

I appreciate your prompt attention to this serious matter and look forward to your assistance in resolving it.
Consumer complaint received 2023-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I urge you to expedite the update of my account as I have always made payments on time. The current situation is causing me a great deal of distress and XXXX.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your company notice pursuant to 15 USC 1602 [ a ] that your Company never that your company never provided adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction. Your Company didnt even inform me about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement.

According to 15 USC 1602 [ k ] the terms adequate notice means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. 

Since adequate notice was not given as per the above-mentioned section, I couldnt understand its meaning which is a violation un XXXX XXXX XXXX [ k ]. 

Further pursuant to XXXX XXXX XXXX [ a ] consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices. 

From your end I have not benefited from this transaction which again is a violation of 15 USC 1602 [ p ].

According to 15 USC 1602 [ p ] The term unauthorized use, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

I hereby request you to do the below mentioned things : DELETE THESE ACCOUNTS AND VALIDATE THE DEBT 15 USC 1602G [ 4 ] 08 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALSO UPDATE THE LATE PAYMENTS TO PAID ON TIME If you accept my request, I will not escalate this matter to the Federal Court. in case, you dont accept the above request a legal action shall be taken against your Company for compensatory damages. 

Thank you for your attention to this matter. 

Since XXXX : XXXX. 

ALL RIGHTS RESERVED WITHOUT PREJUDICE UCC1-308
Consumer complaint received 2023-11-15
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. (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. 


Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or 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 2023-11-15
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: MIDFIRST BANK (IL)

XXXX XXXX XXXX XXXX, IL XXXX I need this address removed from my credit report. I was on the mortgage as a cosigner but I am no longer on there. I need it removed.
Consumer complaint received 2023-11-15
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. (MA)

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2023-11-15
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)

Under the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), emphasizing the necessity to ensure that consumer reporting agencies exercise their responsibilities with " fairness, impartiality, and a respect for the consumers right to privacy, '' I, as the Consumer, am asserting my right to safeguard my private information. This right is supported by XXXX5 USC 6801, which underscores the obligation of financial institutions to respect customer privacy and protect nonpublic personal information.

Transunion, is being the consumer reporting agency, must adhere to 15 USC 1681 section 604a section 2, which specifies that they can furnish a consumer report only " in accordance with the written instructions of the consumer to whom it relates. '' The financial institutions, recognized as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX, all falls under this category. However, neither these financial institution nor the consumer reporting agency, Transunion possess my consent or written authorization to furnish this information. Revoking any and all forms of consent, whether verbal, non-verbal, written, implied, or otherwise, I assert my right to control the sharing of my information with Transunion, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Referring to 15 USC 6802 ( b ) ( c ), it explicitly states that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party unless " the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The Furnisher of information to credit agencies failed to inform me of this right. 
Furthermore, in accordance with the Privacy Act of 1974, governing the collection, maintenance, use, and dissemination of personal information by federal agencies, and the Fair Credit Reporting Act, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in a consumer report without authorization. The reporting of this adverse item without my permission is a violation of both acts.

In compliance with 15 U.S. Code 1681s2 ( A ) ( 1 ) A, 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. 15 U.S. Code 1681e states, " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. 
Additionally, as per 12 CFR 1016.7, " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-07-09
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. (IL)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, someone accessed my online accounts and these fraudulent inquiries were made. I already contacted the police department about this issue and obtained a police report # XXXX which is attached. Please remove this fraudulent inquiry and account off my credit report, and send me an updated copy of my credit report. The following items should not be reporting on my consumer reports and is a result of fraud that I did not authorize : 1. This account is not mine and was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The inquiry was not authorized XXXX XXXX XXXXDate of Inquiry : XXXXPlease remove it from my credit report. Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, XXXX XXXX
Consumer complaint received 2023-11-15
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)

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SUNRISE CREDIT SERVICES, INC (WI)

A year ago I got notification I bought an XXXX from XXXX XXXX XXXX. I contacted them and told them I didn't order that and haven't had an XXXX XXXX XXXX  account since 2005. They said they would cancel the order and account since I didn't make it. They ended up shipping the XXXX to an address I've never heard of out of state and now have sent me to collections and hurting my credit report even though a year ago they agreed it was fraud.
Consumer complaint received 2022-12-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

Equifax failed to respond to my dispute from XX/XX/XXXX. They are reporting inaccurate information on my credit report and they failed to validate it and they failed to provide me with results of their investigation which shows that they failed to conduct one. They continue to violate the FCRA by reporting this inaccurate information and failing to investigate.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$6500.00} ; XXXX XXXX XXXX Owed : {$4400.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$870.00} ; XXXXXXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance Owed : {$2500.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$780.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX. ) Balance Owed : {$1200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance Owed : {$9300.00} ; DPT TREASURY XXXX Balance Owed : {$2200.00} ;
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

After the good faith adjustment was honored and reported to remove all negative impact reporting to all Credit Bureaus XXXX XXXX, Equifax XXXX XXXX ) there was a new inaccurate XXXX late pay reported to the bureaus for XX/XX/XXXX. I paid off this account in full in XXXX of XXXX, the account has been closed since XXXX and my good will letter was honored to remove all of the previous negative reporting but a new XXXX late pay was added for XX/XX/XXXX. I am in the process of buying a house and this inaccurate reporting can cause me to loose the house of my dreams as well as be homeless because I have already given notice to move out of my current home. I need this inaccuracy corrected TODAY and reported to the Bureaus so that I can complete my homebuying process. I cant wait until the next reporting on XX/XX/XXXX, I need this corrected immediately. I truly appreciate your consideration and thought to my situation in advance. I have attached the written requests sent directly to the creditor as well as the statement sent to me showing last payment date, {$0.00} balance owed and account closed.
Consumer complaint received 2023-07-08
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: Credence Resource Management, LLC (GA)

Upon receiving my credit report, I noticed some accounts that I didn't recognize. I immediately reached out to law enforcement and made a police report that's on file. These police reports have been mailed to the companies indicating that I am a victim of fraud and that the alleged account does not belong to me. The accounts are not mines and I totally dispute them. I have requested several times for the company to validate the debt and prove that I am indeed the correct person that opened and owes the debt. These letters were sent via USPS to the company ; I have not received anything that VALIDATES the debt as of today. I know my rights, and this is a direct violation of the FDCPA Guidelines. I want the items validated or removed immediately as this is causing me distress and it is interfering with my life goals to obtain a home for my daughter and I. Before contacting an attorney for legal advice, I wanted to contact your agency for guidance.
Consumer complaint received 2023-07-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BETHPAGE FEDERAL CREDIT UNION (NY)

Bethpage placed our home equity line of credit on the wrong property. I went to sell this property when the title company found the error. I paid the lawyer and recording fee ( again ) to fix this problem. I believe Bethpage FCU should reimburse me for their error. I have tried to contact the institution 9 times with no answer. The last time I even wrote a letter to the XXXX. Still, just crickets. I have attached all of my correspondence and the relevant documents.
Consumer complaint received 2023-11-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX
Consumer complaint received 2023-11-15
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. (KY)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-15
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. (FL)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX Balance Owed : {$12000.00}.