davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

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 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 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the XXXX to XXXX 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Consumer complaint received 2024-01-07
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. (FL)

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. Among others. This is grounds for removal.

They also violated my rights under : 15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A sec. 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 : that no consumer reporting agency may make any consumer report containing any of the following items of information.

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.

XXXX, TransUnion, and XXXX are governed by USC 1681. They have violated my rights numerous times. I demand the inquiries/accounts below be removed immediately per my instructions enclosed :
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I submitted a credit repair request to a company, but they still 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 submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-01-07
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. (GA)

SECTION 1681 STATES THE LAW STATES THAT CREDIT REPORTING AGENCIES MAY NOT REPORT A BANKRUPTCYCASE ON A PERSONS CREDIT REPORT AFTER TEN YEARS FROM DATE AS FILIED. GENERALLY, BAD CREDIT INFORMATION IS REMOVED AFTER SEVEN YEARS. I PAID MY DEPT TO XXXX BALANCE AND IT SHOWS INACCURCY DATE, TIME AND PLACE. NO REFERERNCE NUMBER ARE CORRECT.
Consumer complaint received 2024-01-07
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. (NY)

My information was sold and bought illegally multiple times since XXXX to XXXX because I was a victim of the XXXX data breach. I want XXXX XXXX XXXX XXXX, IN account # XXXX for {$350.00} on collections, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX  unknown acct number but shows on XXXXXXXX XXXX system. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. The engagement # XXXX with XXXX were they admit their breach, complaint # XXXX. Please help me delete these illegal accounts from my credit reports.
Consumer complaint received 2024-01-06
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 recently reviewed my credit report and I was shocked to learn that I have an account in my credit report that is inaccurately reporting. 

XXXX XXXX is violation 15 U.S CODE 1692d- Harrassment or abuse
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TRANSUNION & XXXX OF XXXX is breaking the consumer law pertaining to Acct # XXXX and any other accounts. I've uploaded documents thats confirming and the law their VIOLATIONING XXXX DEMANDING this ACCOUNT be corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation stress if this isnt resolved I will have no choice but to move forward with litigation STOP VIOLATING THE CONSUMER LAW UNDER TITLE XXXX XXXX & XXXX
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX, XX/XX/21. My XXXX to XXXX according to XXXX XXXX of rescission. They have been none compliant and has not offered a remedy to resolve the matter.
Consumer complaint received 2024-01-06
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. (MA)

After reviewing my credit profile, I identified discrepancy with my account and validation was requested as this was account I did not recognized I reviewed my account again and the accounts continue to reflect on my credit report and I have not received any correspondence from creditors to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a second certified letter was sent out. These company are reporting fraudulent inaccurate information on my credit report. I requested that they provide the purchase agreement to show full ownership of such accounts and also other documents so I may review to see if this is actually an account that belongs to me 15 U.S.C 1681. These account continue to affect me negatively.
Consumer complaint received 2023-04-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC (AZ)

I have disputed the account with XXXX and came back as " verified ''. 

Creditor is reporting a past due balance from what I read a charged off accounts are not legally allowed to have a past due balance this is violating my consumer rights. Please remove this account from my credit report immediately. This is FCRA violation.
Consumer complaint received 2024-01-06
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 have been trying to get into my credit report accounts to try and dispute inaccurate information and I put an identity theft alert on my account that has not been honored. I noticed a few discrepancies that needs my attention and I cant access any of my accounts.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SOFI TECHNOLOGIES, INC. (NC)

SoFi Lending Corp. placed hard/visible inquiries on my XXXX report XXXX times for the permissible purpose of " collections. '' I have never had any past due bills with SoFi nor have I ever been in collections. Some of these inquiries occurred after I had closed and paid in full all accounts with the company, so there was definitely no permissible use. 

I recently applied for auto insurance and received very high quotes. I received an adverse action letter from at least XXXX insurance company XXXX XXXX XXXX and XXXX XXXX ) advising that I was quoted a higher premium due to my XXXX consumer report. XXXX of the reason codes provided was " Number of Inquiries for Transactions Initiated by Consumer in Last 6 Months. '' All of the visible inquiries in the last 6 months are from SoFi. 

Therefore, I believe that the unauthorized use of my consumer report caused me to pay a higher price for insurance. Furthermore, obtaining my consumer report after all business was closed and paid in full violated my privacy rights
Consumer complaint received 2024-01-06
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)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX account # 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
Consumer complaint received 2024-01-06
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. (IN)

Subject : Complaint Regarding 15 USC 1681 Permissible Purpose of Inquiries on Credit Report Dear Sir/Madam, I am writing to file a formal complaint regarding the presence of inquiries on my credit report under 15 USC 1681 , specifically concerning the permissible purpose of these inquiries. According to the Fair Credit Reporting Act, a permissible purpose is required for inquiries made into an individual 's credit report. I have reason to believe that inquiries have been made on my credit report without a permissible purpose, and I am requesting documentation to verify the permissible purpose of these inquiries. 

I request that they investigate the inquiries on my credit report and provide me with the following information : 1. Documentation demonstrating the permissible purpose of each inquiry on my credit report, as required by 15 USC 1681. 

2. Verification that each inquiry is connected to an account that is explicitly listed on my credit report Following inquiries thats on my Transunion account without permissible purpose XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, I request that they specifically connect each inquiry to an account that is present on my credit report and provide me with the documentation that was used to verify that I have an open account with the entities responsible for the inquiries. 

I believe that these inquiries may be in violation of the Fair Credit Reporting Act, and I am concerned about potential unauthorized access to my credit information. As a consumer, I have the right to ensure that all inquiries on my credit report are made for permissible purposes and are connected to valid accounts. 

I appreciate your attention to this matter and request that you provide me with a written response regarding the outcome of your investigation within the time frame specified by the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-06
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)

My husband and I checked my FICO credit score on XX/XX/XXXX  to find that it was significantly lower than expected. I looked at the details of my credit report to find that there was a delinquency for a missed credit card payment. I contacted my credit card company ( XXXX ) on XX/XX/XXXX  to inquire about the missed payment because I had no recollection of missing a payment. They confirmed that they never filed a delinquency on my account. I created an account with XXXX to look at the credit report there and file a dispute, and when I looked at the credit report, it said that there was an adverse account with XXXX XXXX XXXX XXXX The account as an address that is a XXXX XXXX XXXX XXXX, XXXX. I did not create that account. 

I filed a dispute with TransUnion on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX, and XXXX XXXX on XX/XX/XXXX.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

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 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 2024-01-06
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. (MI)

( 15 u.s. Code 1602p ) The term " unauthorized use, '' as used in section 1643 of this title, means a use 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.

( 15 USC 1692b ) Not state that such consumer owes any debt ; Analysis a debt collector seeking location information must identify themselves by name, but must not identify his employer unless asked. When asked, however, the collector must give the true and full name of the employer to comply with this provision and avoid violating other sections of the FDCPA. An individual debt collector may use an alias if it is used consistently and if it does not interfere with another party 's ability to identify him, and the collection laws of his or her state allow the same. 

Telling a 3rd party that you owe a debt is illegal! First, it may not be true thus unjustly damaging your reputation and second, it is simply nobody else 's business. 
" XXXX XXXX XXXX '' CAN NOT PROVIDE A CONTRACT PROVING ANY BUSINESS I HAVE DONE WITH THEM. I DO NOT OWE ANY MONEYS TO SAID PARTY. 

15US CODE 1692J ( A ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

For a number of years, Ive been incarcerated and have not been able to have access to apply for any accounts due to my absence. They were quite a few accounts open in my name, and I gave no one authorization to do so. I also sent in the police report and called these companies, Also sent letter to the credit bureaus but they have failed to remove these items off my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and its been past 30 days since I reach out any response
Consumer complaint received 2024-04-26
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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-21
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC (CA)

XX/XX/24 I made a payment of {$500.00} to Westlake financial. They guaranteed me that if I made a payment it would stop the car from being sold at the auction. Come to find out they told me that my payments would stop the car from being sold was just a lie. All of the phone calls were recorded an Ive had at least three. Westlake financial employees tell me that I will be able stop my car from being sold if I make a payment. The car was sold four days after I made a payment and I was not notified. And they call me still asking for payments like the car wasnt sold already.
Consumer complaint received 2024-02-26
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

Amex was offering a promotion ( get {$25.00} back if you spend {$320.00} to buy an Amex Gift Card ). I bought a standard {$320.00} Amex Gift Card, which also had a {$5.00} convenience fee. After receiving the gift card, I tried to use it at XXXX on multiple occasions and at XXXX XXXX ( both via XXXX XXXX and directly ) and all of these options did not allow me to pay with the card ( it seems as though the card was declined ). I was trying to make purchases for less than thee {$320.00} value of the card and everything was still declined. 

Amex will not let me use the card at XXXX or at XXXX XXXX, despite saying that the card should be usable anywhere an Amex card is accepted ( and I have used my Amex cards at both XXXX and XXXX XXXX on multiple occasions ). 

Amex indicated that I can use the card in person at merchants, but the card that was delivered to me was an e-gift card, so I can't use that in person at stores, I'm only able to use it online. I only purchased the gift card from Amex so that I could use it to make an online purchase through XXXX or XXXX XXXX ( both merchants that clearly accept American Express ), and Amex is not allowing the charges to go through. I feel as though Amex has scammed me on this occasion and I am incredibly upset about this I want my {$330.00} back!
Consumer complaint received 2024-01-08
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 appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to request the removal of outdated addresses from my credit report and the update of my current address. The addresses listed on my report are no longer valid and may affect the accuracy of my credit file. 


My Current Address is : XXXX XXXX XXXX XXXX XXXX NC XXXX I kindly ask that you promptly remove the outdated addresses and update my credit report with the correct current address. Your assistance in resolving this matter is greatly appreciated.

I am attaching my ID and Utility Bill to verify my current address as well as my social security card to verify my identity. Thanks!
Consumer complaint received 2024-02-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (CA)

I have been a victim of identity theft for the past 1 years while in XXXXXXXX XXXX my family that was providing the care stole my birth certificate license social security number and has been open account and getting medical attention with my name I have disputed this record many times and it was only removed once and the creditor place it back on my credit report its a fraud account its not me I have never had any medical done to have to use this company and its affecting my opportunity of buying a home I need it removed immediately I have file a police complaint and sent to all 3 credit company this is the company COMENTITYCAPITALBANKXXXX XXXX XXXX
Consumer complaint received 2023-11-18
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. (TX)

In accordance with The Fair Credit Reporting Act 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 customer reporting agency can not furnish a account without my written instructions.