davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-07
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. (NC)

I woke up this morning around XXXX Eastern time because I had heard my phone ding. There was an email from XXXX  stating that there was a new inquiry on my credit report, when I logged in there was a hard inquiry from XXXX  XXXX today. I have no applied for a XXXX  XXXX credit card and I have no submitted a request for one. I contacted XXXX and filed a dispute, I also filed one with XXXX. XXXX advised me to contact the bank XXXX XXXX. I was told by a representative that someone did try to open a card in my name and that they would decline the application due to me letting them know someone had used my social security number unknowingly. I told them that if it werent for XXXX  emailing me and letting me know about the inquiry I wouldve never knew someone tried to get a card in my name. Especially due to me not getting an alert from XXXX  XXXX or anything. I do not have any accounts with XXXX  XXXX and I have never applied for a XXXX  XXXX card.
Consumer complaint received 2022-10-24
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. (IL)

In accordance with the fair credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX, Account Number # XXXX, Account Name XXXX XXXX XXXX XXXX XXXX, Account Number # XXXX, Account Name : XXXX XXXX XXXX XXXX Has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Consumer complaint received 2023-12-07
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 have reached out to the following account below and talked to them about the issue with my account as reported by the TRANSUNION. They have advised me that they will correct the credit report accordingly and change the balance to XXXX however, as I reviewed my recent report, the balance remains unchanged. I am not sure how the TRANSUNION came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report.
Consumer complaint received 2023-04-13
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. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-07
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc. (GA)

I went into XXXX XXXX XXXX to inquire on possible trading my car in for a newer model and year. I specifically told the sales rep to only run my credit once and if they were unable to give me the deal I was looking for off of that one hit, then I wasn't going to proceed with any transactions. However, once my credit was pulled once for the purpose of getting a car, I was not offered the deal I wanted and turned down the offers that were made to me by the dealership. However, later I discovered that they ran my credit more that once through other financial institutions in efforts to inquire car financing on my behalf ; something, I specifically asked them not to do. I recently worked hard on build my credit up so that I could purchase a home, which I recently did prior to entering this dealership -- and as a result of the hard inquires acquired due to them running my credit more than once, lowered my credit rating, something I take pride in maintaining.
Consumer complaint received 2023-12-07
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. (NC)

I Would be happy to settle any Financial obligation I may own as soon as I receive the following documentation form you. 
1 ) The Validation of debt which is actual accounting 2 ) The verification of your Claim against me, a Sworn Affidavit or hand signed invoice in accordance with The Bills Of Exchange Act of 1882, The Uniform Commercial Codes, The Federal Fair Credit Reporting Act and The Georgia State Statues of Lawful Purpose. 
3 ) A copy of the contract signed by both parties 4 ) Please also provide me with a True and Certified Copy ( not a photocopy ) of the Original Note under penalty of perjury and with unlimited liability and confirm that this Note has never been sold. 
5 ) Please also confirm the name of the Individual who is the Duly Authorized Representative from your company, who has carried out Due Diligences under The Money Laundering Regulations 2007 and what actions he or she has taken in relation to this account Instructions I hereby give you twenty ( 20 ) days to reply to this notice from the above date with a notice sent using a recorded post and signed under Full Commercial Liability and Penalties of Perjury assuring and promising me that all of the replies and details given in the above request are True and without Deception, Fraud, or Mischief. 
Your said failure to provide the documentation within twenty ( 20 ) days from the above date to validate will constitute that You agree to the following terms. 
That the debt never existed at all ; or it has already been paid in full and that ANY Damages Suffered You will be held Culpable and you will no longer pursue this matter any further and You agree to pay all Fee Schedules. 
Please note : I wish to deal with this matter in writing and i do not give your organization permission to contact me by telephone, should you do so I must warn you that the call constitute harassment and I will take action under Section 1 of the Protection From Harassment Act of 1997 and the Administration of Justice Act 1970 which make it a Criminal Offense for a creditor or a creditor agent to make demands for money, which are aimed at causing Distress or Humiliation.
Consumer complaint received 2023-12-07
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. (TN)

I have a checking account with XXXX XXXX, and they use XXXX as an option for us to check our credit score and changes on our reports. 

On XX/XX/XXXX I received XXXX alerts on my credit wise that my SSN was associated with an address and name that Im completely unaware of. 

The report made to XXXX it says was on XX/XX/2023, both of them, but I received the alert on XX/XX/2023. 

Kindly advice
Consumer complaint received 2023-12-07
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. (PA)

XXXXXXXX XXXX XXXX - XXXXThis is inaccurately reporting on my report. 

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 2023-12-07
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. (VA)

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 card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CLGF Holdco 1, LLC (VA)

I closed the account settled twice with them and they continue to show late payments with a XXXX balance been over two years called the other day now there another business they have hurt my borrowing for home auto everything
Consumer complaint received 2024-03-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX  XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX
Consumer complaint received 2023-12-07
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)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Consumer complaint received 2023-12-07
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)

Good Day, Upon checking my credit report, There is an account reporting to my credit profile that should not be there ( XXXX - Account Number XXXX ). I did not give authorization to this creditor to open this account. I contacted the creditor and was informed that they could not find this account in their system and that the account has since been purged from their system. I have never resided in the state of Missouri. I never gave authorization or consent for this credit to open this account and never used said credit card or loan. I have been a victim of identity theft over the years. This account that has never belonged to me and continues to reflect on my account with nine inaccurate late payments that continues to hinder my credit profile.

This credit bureau is in violation 15 USC 1681 ( 2 ) ( a ) ( i ) reporting late payment XXXX - Account Number XXXX 8 late Payments- Your assistance this pertinent is greatly appreciated, XXXX XXXX
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-07
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. (VA)

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 reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-07
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. (MD)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-12-07
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)

Dear TransUnion I noticed that you verified the account below : XXXX XXXX XXXX Account number : XXXX, Monthly payment amount is not consistent per bureau. Investigate, delete or fix date of last payments. 

XXXX XXXX  : Account number : XXXX, Monthly payment amount is not consistent per bureau. Investigate, delete or fix date of last payments. 

XXXX : Account number : XXXX, Monthly payment amount is not consistent per bureau. Investigate, delete or fix date of last payments. 

XXXX : Account number : XXXX, Monthly payment amount is not consistent per bureau. Investigate, delete or fix date of last payments. 

XXXX XXXX  : Account number : XXXX, Monthly payment amount is not consistent per bureau. Investigate, delete or fix date of last payments. 

XXXX XXXX : Account number : XXXX, Monthly payment amount is not consistent per bureau. Investigate, delete or fix date of last payments. 

XXXX XXXX XXXX Account number : XXXX, Monthly payment amount is not consistent per bureau. Investigate, delete or fix date of last payments. 

XXXX : Account number : XXXX, Monthly payment amount is not consistent per bureau. Investigate, delete or fix date of last payments. 

XXXX XXXX  : Account number : XXXX, Monthly payment amount is not consistent per bureau. Investigate, delete or fix date of last payments. 

XXXX XXXX Account number : XXXX, Monthly payment amount is not consistent per bureau. Investigate, delete or fix date of last payments. 

Because I dont know a lot about credit repair, I had my attorney friend review the letter I sent to your company and the letter you sent back. He told me that according to the FCRA, you have to tell me how you verified the account above. He went on to say that you have to let me know the name of the person that verified this account, their contact number, address, and the time that they were contacted to verify. 

He also stated that once I receive this information, he would like to review it. Please send ASAP. 

Thanks. 

CC : FTC, XXXX, CFPB
Consumer complaint received 2023-12-07
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)

XXXX XXXX XXXX said and showed I was late on a payment which is incorrect. The card isnt even activated but all payments were automatic. It was a XXXX XXXX XXXX XXXX, not my information that was negatively reported, please remove from my credit profile
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2024-02-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (FL)

I received my billing statement in XX/XX/XXXX from Luxury Card MasterCard, issued by Barclays, that contained 4 charges that I didn't recognize. I called Barclays ' dispute department and they readily reversed the charges whilst they were investigating the fraudulent charges. Now, yesterday, I received a letter from Barclays ( attached ) that claims that they have determined that the activity was valid because the card was " in my possession and chip card technology was used, which can not be counterfeited ''. As such, they state that they are reversing the provisional credit, which I will be required to pay. I called the Barclays dispute department again this morning and reminded them that the four ( 4 ) charges in question were made on XX/XX/XXXX in XXXX XXXX, New Jersey. Neither my wife or I have EVER been to XXXX XXXX. Also, my wife and I have not traveled to New Jersey in over 30 years. How could I have possibly made these charges? Furthermore, I told the lady at the dispute department that my wife and I were celebrating XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) at XXXX XXXX XXXX restaurant ( owned by XXXX XXXX ) in XXXX, FL. This can be confirmed and verified by the XXXX XXXX of the restaurant along with at least XXXX other couples that were present. The dispute department issued me a case number XXXX.