davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-18
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. (NJ)

I recently reviewed a copy of my 3 credit reports from all three bureaus and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a persons credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order. The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act. I am requesting that these bureaus remove these unauthorized inquires from my credit profiles as they are not authorized inquiries by me, nor are they linked to any of my accounts. 

XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX 
Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX EQUIFAX : XXXX XXXX, XXXX Inquired On XX/XX/XXXX XXXX : XXXX XXXX Inquired On XX/XX/XXXX XXXX Inquired On XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired On XX/XX/XXXX
Consumer complaint received 2023-10-18
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. (NJ)

I recently reviewed a copy of my XXXX credit reports from all three bureaus and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a persons credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order. The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act. I am requesting that these bureaus remove these unauthorized inquires from my credit profiles as they are not authorized inquiries by me, nor are they linked to any of my accounts. 

XXXX : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX 
Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX : XXXX XXXX, XXXX Inquired On XX/XX/XXXX TRANSUNION : XXXX XXXX Inquired On XX/XX/XXXX XXXX Inquired On XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired On XX/XX/XXXX
Consumer complaint received 2023-02-25
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a Consumer Agency can not furnish a account without my written instructions.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

This account that is with XXXX XXXX was a paid to delete account that has not been removed from my consumer reports. 
This account XXXX from XXXX  XXXX that has been paid for already and the company has also reported false late payments for the following account as well. 
The dates of XXXX XXXX are showing 30 date late payments remarks which are illegal and inaccurate due to the fact that the account was closed on XXXX XXXX so how can I be responible for late payments being reported after the account was closed than paid off in full as contract of pay to delete stated. 
Not only did the credit company update the account as paid and closed they DID NOT remove this account off NONE of my three credit profiles with XXXX, Experian and XXXX and this account was also charged off meaning they were made twice for this account, once by me and the other by IRS. I also never received my 1099 in the mail for this debt that has been paid twice for this account XXXX that has been paid for already. 
In According with the Fair Credit Reporting Act the following companies previously listed above has violated my rights. 15 USC 1681-602A states I have right to privacy. 15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-10-18
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)

This account that is with XXXX XXXX was a paid to delete account that has not been removed from my consumer reports. 
This account XXXX from XXXX XXXX that has been paid for already and the company has also reported false late payments for the following account as well. 
The dates of XXXX XXXX are showing 30 date late payments remarks which are illegal and inaccurate due to the fact that the account was closed on XXXX XXXX so how can I be responible for late payments being reported after the account was closed than paid off in full as contract of pay to delete stated. 
Not only did the credit company update the account as paid and closed they DID NOT remove this account off NONE of my three credit profiles with TransUnion, XXXX and XXXX and this account was also charged off meaning they were made twice for this account, once by me and the other by IRS. I also never received my 1099 in the mail for this debt that has been paid twice for this account XXXX that has been paid for already. 
In According with the Fair Credit Reporting Act the following companies previously listed above has violated my rights. 15 USC 1681-602A states I have right to privacy. 15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-10-18
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 recently received my full credit reports from TransUnion, XXXX and XXXX and I noticed a collection on my TransUnion report that has already been proven not to be my account or debt and have been removed and deleted from my other two consumers reports. I am unsure why this collection is still showing on my TransUnion report when I am not responsible for this account. 
I am not liable for this debt, ( XXXX XXXX XXXX or XXXX ) I do not have a contract with, XXXX XXXX XXXX they have not provided me with the original contract as I have requested from their agency and also requested Transunion to provide. 
In accordance with the fair credit reporting act, This company ( XXXX XXXX XXXX ) 15 USC 1681-602A states I have the right to privacy.

15USC 1681-604A section 2 States a consumer reporting agency can not furnish. 
an account without my written instructions. 
I do believe that this report is inaccurate, and these companies have not done a full investigation to verify this account as well.
Consumer complaint received 2023-10-18
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 am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.
Consumer complaint received 2023-08-22
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. (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 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 2023-02-25
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX nc XXXX Investigation Request Letter To Whom it May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681 ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I spoke with my lawyer he said you have 30 days to complete this investigation. And remove these accounts that you knowingly know that are inaccurate under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.

Please investigate the following accounts and remove them Accounts Account Name : XXXX XXXX Account XXXX : XXXX Account Name : CHILD SUPPORT ENFORCEM Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Please remove and send me a copy of my updated credit report and all information that was used to validate each alleged debt I need to know the full steps that was used and all information proof of what was used to conduct this investigation
Consumer complaint received 2023-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2020-07-30
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: Experian Information Solutions Inc. (TX)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX  XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX   Inquiries : XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX my account was never 30 days late. account was only approved for deferal. 
please remove these 30 day late for each month noted. 
i am entitled by FCRA to request this be corrected and removed.
Consumer complaint received 2023-10-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (GA)

XXXX XXXX XXXX I HAVE NOTIFIED THEM ON NUMEROUS OCCASIONS THAT THESE ARE NOT MY ACCOUNTS I EVEN SENT MY FTC AND A NOTARIZED AFFIDAVIT TO VERIFY THAT MY PROOF OF IDENTITY AND THAT THESE ARE ERRONEOUS CHARGES THEY ARE TRYING TO CONTINUE DEFAMING MY CHARACTER FOR I HAVE BEEN VIOLATED AND THE LAWS AS WELL THEY STATE IN REMARKS ON REPORTING AGENCIES THAT IT MEETS THE FCRA GUIDE LINES BUT WILL NOT PROVIDE VALID INFORMATION AS TO HOW THEY ARE VALIDATING THEIR INFORMATION THEY CANT POSSIBLY HONESTLY INVESTIGATING COMPLETELY BECAUSE THEY WOULD SEE THAT THIS ERRONEOUS INFORMATION WAS NOT ME AND IT NEEDS TO BE REMOVED/DELETED IMMEDIATELY INSTEAD OF JUST CONTINUING TO TAKE THE EASY WAY OUT AND VALIDATE THE DEBT AND MAKE MY LIFE HARD WHILE I'M TRYING TO CLOSE ON A HOME FOR MY FAMILY INVESTIGATE, SEE THAT ITS NOT MY DEBT, AND DELETE IT. PLEASE I DON'T UNDERSTAND YOU ALL PAY PENNIES ON A DOLLAR FOR A DEBT THAT I DON'T HAVE ANY INFORMATION ON THE ORIGINAL CREDITOR EVEN SENT ME A RESPONSE THAT THEY DIDN'T VALIDATE THE DEBT WAS MINE AND THEY HAVE NO INFORMATION ON THE ACCOUNT SO WHY CONTINUE TO DRAG THIS OUT AND MAKE ME TO CONTINUE TO TELL MY KIDS DISAPPOINTING NEWS THAT WE CANT MOVE INTO OUR FOREVER HOME BECAUSE OF XXXX COLLECTORS I'M ON FIXED INCOME AND TOTALLY XXXX  WITH XXXX  CHILDREN JUST TRYING TO MAKE IT BUT I DON'T KNOW WHAT YOU ALL WANT FROM ME YOU ALL MAKE MY HEALTH WORSE WITH ALL THIS STRESS. WE FINALLY GET TO A PLACE WHERE WE CAN GET SOME HELP TO CLOSE ON OUR HOME AND THEN BOOM XXXX  COLLECTION IS STOPPING US. THIS IS CRAZY ESPECIALLY WHEN ITS ERRONEOUS INFORMATION.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-06-22
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. (NV)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 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 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with The Fair Credit Reporting Act, the list of accounts below have violated my federally protected rights to privacy & confidentiality under 15 U.S.C. 1681. 
I requested that Transunion, XXXX, and XXXX to investigate the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$7400.00} ). 
All three consumer reporting agencies stated that everything was complete and accurate, but I have evidence from Identity IQ that almost every open date, date of last activity, balances and so much more are completely inaccurate. I have provided documentation from Identity IQ Credit Reporting- revealing all incorrect reports. According to 15 U.S.C. 1681i ( 5 ) The Bureau 's ' are supposed to modify or delete accounts that are not reported correctly.
Consumer complaint received 2023-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo closed out my case sending me a letter explaining their findings, the vehicle I financed from them was repossessed XX/XX/15 yes they sent me a check but it wasnt what I endured or went through, first I came out of pocket XXXX dollars a month for cab service because no bus went from my address to my job 5 cities away starting at XXXX in the morning, I paid at the end of the month, second they said the repossession was off my report which at the time wasnt when I tried to get another car it was still on there months after, I had to call them then they removed it causing me not to get the vehicle I wanted at that time. Yes the repossession is off now but at that time it wasnt causing me to still pay out of pocket ... they just sent me a letter when I called them.they said someone would be in touch and as of last week I've heard from no one ... I spent XXXX for a lease then XXXX, XXXX to wells fargo to finance that very same vehicle Wells Fargo sent me a XXXX dollar check without sending any information till the check was giving then I feel like I was ripped off I'm sure they sold that truck more then what they gave me ..I feel as though they just paid for no inconvenience at all...
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

Dear Experian Headquarters, I am writing to address a critical matter that has not only caused me significant distress but has also resulted in direct financial and reputational harm. It has come to my attention that Experian reported the XXXX XXXX XXXXXX/XX/2023 inquiry on my consumer credit report without my consent. While this inquiry was eventually deleted after my dispute, the deletion itself is an admission of inaccurate reporting and wrongdoing on the part of Experian. 

I am deeply troubled by the flagrant violations of the Fair Credit Reporting Act ( FCRA ) perpetrated by Experian. Specifically, Experian has violated the FCRA by reporting inquiries on my consumer report without my consent, neglecting to conduct a proper investigation as required by the FCRA, and reporting data on my consumer report that fails to meet the standard of maximum accuracy mandated by the FCRA. 

The repercussions of these actions have been severe. My financial and credit reputation have been unjustly tarnished due to Experian 's inaccurate reporting. I have suffered both emotionally and financially as a direct result of Experian 's violations. 
According to the provisions of 15 USC 1681n, Experian is liable to me in the sum of XXXX} per inquiry due to its willful noncompliance with the FCRA. Consequently, Experian has been invoiced for a total amount of XXXX XXXX XXXX  per inquiry ) to address the damage incurred by its actions. I demand that Experian fulfills this XXXX by mailing a XXXX XXXX XXXX 

This matter is of extreme urgency. Experian has a period of XXXX business days from the date of this letter to respond and fulfill the invoice. Failure to respond within this timeframe will be considered an admission of violating the FCRA and neglecting the obligation to fulfill the invoice. 

I am holding Experian accountable for its actions and expect a prompt and responsible resolution to this matter. I trust that Experian will take the necessary steps to rectify the violations and provide the requested payment within the stipulated time frame. 
I anticipate your immediate attention and cooperation in addressing this issue and fulfilling the XXXX  as demanded.