davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-24
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. (NJ)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-24
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: Experian Information Solutions Inc. (MI)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-15
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. (PA)

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 



Subject : Disputed Inquiry on Consumer Report I hope this message finds you well. I am writing to bring to your attention an issue I have discovered while reviewing my consumer reports. Upon inspection, I noticed an inquiry on an account that I have never associated with or initiated. 
This inquiry appears to be a mistake and is impacting my credit report unfairly. Despite my efforts to rectify this directly with the credit reporting agencies, I have not received any resolution XXXX XXXX XX/XX/year>2024 TransUnion
Consumer complaint received 2023-10-24
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: Experian Information Solutions Inc. (IN)

I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to XXXX XXXX for the ( 7 ) seven hard inquiries and inaccurate personal information showing on the credit file with Experian. In order to facilitate efficient proceedings and ensure all relevant information is accounted within the credit report for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transactions specifics. Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgements, and settlements. Pertinent correspondence, communications, or notices related to the chose in action. Any other documents or records that provide insights into the nature, ownership, or status of the chose in action.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-24
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. (NJ)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-24
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)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-10-24
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: Experian Information Solutions Inc. (MA)

I am writing to formally dispute inaccurate information on my Experian credit report. On XX/XX/XXXX, I contacted Experian regarding the following discrepancies, and as of today 's date, I have not received any response from them. I am providing the details of the inaccurate information and requesting the necessary corrections : The following account was never late : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Incorrect Balance : {$5400.00} Please correct/update this inaccurate information on my credit report. 

The following account was never late : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Incorrect Balance : {$5100.00} Please correct/update this inaccurate information on my credit report. 

The following account does not belong to me : Creditor : XXXX Date Opened : XX/XX/XXXX Incorrect Balance : {$520.00} Please remove it from my credit report. 

The following account does not belong to me : Creditor : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Incorrect Balance : {$3700.00} Please remove it from my credit report. 

The following account does not belong to me : Creditor : XXXX Date Opened : XX/XX/XXXX Incorrect Balance : {$5500.00} Please remove it from my credit report.
Consumer complaint received 2023-10-24
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

I am writing to inform you of my attempts to resolve inaccuracies on my credit report with Equifax, as of XX/XX/XXXX. I have contacted Equifax regarding the following incorrect information, but to date, I have not received a response. I would like to report the following inaccurate information and request the necessary corrections : The following account was never late : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5100.00} Please correct/update this inaccurate information on my credit report. 

The following account is not mine : Creditor : XXXX Date Opened : XX/XX/XXXX Balance : {$520.00} Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00} Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00} Please remove it from my credit report.
Consumer complaint received 2020-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I have received numerous inquiries from XXXX XXXX and I did not authorize them. In addition, XXXX XXXX recently reported me 30 days late on my payment in XXXX. This information is inaccurate. I was not 30 days late on my payment. I made payments on my account even when they inaccurately had me assigned to another company. XXXX XXXX sent me no statements, blocked all access to my account, and would not talk with me about my account. I called and called talked with numerous reps and then finally a manager and finally was able to get them to correct their mistake. The manager promised my credit report would be corrected, but it has not been. I faxed them and even sent them a certified letter regarding this matter.
Consumer complaint received 2023-09-07
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. (TX)

I urge you to promptly take action to remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant distress. It is crucial that you rectify this error without delay.
Consumer complaint received 2017-01-04
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP (CA)

In XX/XX/XXXX, my wife and I purchased XXXX XXXX XXXX at in XXXX Ca, and I worked with XXXX from US Bank to obtain a lot loan. XXXX with XXXX XXXX XXXX performed the appraisal of my property for U.S. Bank. After the appraisal results were obtained I disagreed with XXXX findings and expressed my feelings to XXXX and US Bank via telephone. I told XXXX with US Bank that I did n't want to conduct business with XXXX or XXXX XXXX XXXX in the future. XXXX said XXXX would not be conducting future appraisals on my property. 

In the beginning of XX/XX/XXXX I applied for a new construction loan from US Bank for my property. I provided the new construction documents and building plans to US Bank and once again my documents and lot were appraised by XXXX XXXX against my wishes. I submitted a complaint to US Bank representative XXXX XXXX advising that I had a conflict with using XXXX XXXX as an XXXX and did not agree with his conclusion. My complaint was never resolved and US Bank proceeded with XXXX XXXX 's appraisal. 

On or about XX/XX/XXXX, I worked with US Bank to consolidate my new construction and lot loan for my property. Once again my property was submitted to be appraised by XXXX XXXX against my wishes. I spoke to XXXX and XXXX with US Bank on the telephone and via email to reiterate my disappointment with them using XXXX XXXX for my appraisal. I specifically told them that there was a conflict with using XXXX as an XXXX because I was already disputing the last appraisal that XXXX XXXX submitted. Initially XXXX said he would have another company conduct the appraisal and suggested that I work with XXXX of US Bank to resolve my appraisal dispute. I explain my dispute with XXXX and he stated that he spoke XXXX about my conflict and also agreed to have another company perform my appraisal. After several weeks of working with XXXX and XXXX they both later recanted their statements saying they were not allowed to move forward with another appraisal company. 

XX/XX/XXXX, I worked with XXXX to apply for a home equity line of credit with US Bank. On XXXX I received a call from a representative from XXXX XXXX XXXX, asking, " When would it be a good time to have XXXX appraise your residence ''. I stated to the representative that I did not require their services. Once again I contacted XXXX and told him that that XXXX was recommended by US Bank to appraise my residence. I told XXXX that I was submitting a formal complaint and XXXX asked me to send him an email and he would resolve this issue and have another company complete the appraisal. XXXX subsequently scheduled another company which is now scheduled to complete the appraisal XX/XX/XXXX 

Please explain how XXXX XXXX can legally get the business to appraise the same property XXXX times in a XXXX year period? Please explain why this is not a conflict of interest. So much for a " XXXX pick of appraisers '' from banking industries.
Consumer complaint received 2023-10-24
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. (RI)

In accordance with the Fair Credit Reporting Act ( 15 USC 1681, Section 602a ), it is imperative to ensure that consumer reporting agencies conduct their responsibilities with fairness, impartiality, and a regard for the consumer 's right to privacy. Equifax and XXXX, being consumer reporting agencies, interact with me as the consumer. I possess the right to safeguard my private information, as reinforced by 15 USC 6801, which dictates that financial institutions have an ongoing obligation to respect customer privacy and safeguard nonpublic personal information. XXXX XXXX falls under the definition of a financial institution in compliance with this policy. Under 15 USC 1681, Section 604a, Subsection 2, it is stated that a consumer reporting agency may furnish a consumer report only upon the written instructions of the relevant consumer. Both XXXX XXXX and the consumer reporting agencies, Equifax and XXXX, do not possess my consent to disclose this information, nor do they possess my written consent. I hereby revoke any and all forms of consent, whether verbal, non-verbal, written, implied, or otherwise. 
15 USC 6802 ( b ) ( c ) specifies that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to exercise a nondisclosure option. XXXX XXXX never informed me of my right to exercise this option. 
Furthermore, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including certain adverse information in consumer reports without authorization. This account is being reported as adverse without my permission, which is in violation of the law. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) A prohibits the furnishing of inaccurate information to consumer reporting agencies, and 15 U.S. Code 1681e requires consumer reporting agencies to maintain reasonable procedures to avoid violations of Section 1681c and restrict the furnishing of consumer reports to specified purposes. Equifax and XXXX appear to be failing to maintain reasonable procedures. 
Moreover, 12 CFR 1016.7 affirms my right to opt out of reporting services at any time. Therefore, I am exercising my right to opt out of your reporting services Immediate deletion of account and {$1000.00} per violation I am entitled to a $ 1,000per violation plus any other damages i have sustained as a result of your failure to follow the law. I have file more than 1 complaint, willful noncompliance can easily be proven as you had a full understanding of the violations after i complained the 1st time 15 U.S. Code 1681o - Civil liability for negligent noncompliance
Consumer complaint received 2024-04-07
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)

To XXXX, Equifax, and XXXX, Regarding the Delinquent Credit Inquiry Issues Identified by XXXX, Equifax, and XXXX : Thank you for affording me the opportunity to address the inaccuracies present in my credit inquiry report. It has come to my attention that delinquencies in my credit have been incorrectly reported by your agencies. In light of this, I am formally requesting the following documentation and proofs in accordance with relevant laws and regulations : 1 ) A copy of the original contract or purchase agreement responsible for the alleged debt. This document must contain the signatures of all involved parties and must originate from the original creditor, inclusive of all original terms, conditions, addendums, and riders.

2 ) Proof of chain of ownership pertaining to the alleged debt, demonstrating a seamless transition from the original creditor to the current purported owner, devoid of any breaks or discrepancies.

3 ) A comprehensive accounting history originating from the original creditor, detailing each payment made, including dates and amounts, along with the Date of First Delinquency leading to the current collection status.

4 ) Documentation validating the lawfulness and agreement to any accrued interest or fees, as stipulated in the original purchase agreement.

5 ) Verification of your legal authorization to pursue the alleged debts in the state of Texas, inclusive of your Third-Party Debt Collection Bond.

6 ) Evidence of compliance with legally mandated notices sent to me prior to the reporting of the alleged debt to consumer reporting agencies. This includes copies of the original notice, ensuring adherence to regulations prohibiting " debt parking '' without proper notification, thereby safeguarding consumer rights.

7 ) In accordance with civil liability statutes, specifically Title 15 of the United States Code subsections 1692k ( a ) ( 2 ) ( A ) and 1692k ( a ) ( 1 ), I emphasize the potential penalties associated with violations, including both statutory and actual damages.

8 ) Furthermore, I draw attention to pertinent federal laws including : - 18 U.S. Code 8 Establishing all debts as obligations of the United States and its corporations.

- 18 U.S. Code 241 Prohibition of conspiracy against rights.

- 18 U.S. Code 242 Criminalization of color of law violations and deprivation of rights.

- 18 U.S. Code 894 Regulation against the collection of extension of credit by extortionate means.

- 18 U.S. Code 1028 Prohibition of fraudulent use of identification documents.

- 18 U.S. Code 1028A Criminalization of aggravated identity theft.

- 18 U.S. Code 894 Prohibition against harming the reputation of consumers through extortionate means. 

I urge prompt and thorough attention to these matters to rectify the inaccuracies present in my credit report. Your compliance with these requests is essential in ensuring the integrity and fairness of my credit profile. 

Sincerely, XXXX, XXXX
Consumer complaint received 2017-02-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (TX)

rash Curtis & associate tel XXXX address XXXX XXXX I run my credit report in find out they had put me on collections explained the it was n't me they still keep saying it was me they had used somebody else information it linked with my I had a police report mailed to them and I had also disputed on XX/XX/2017 I had ask rash Curtis to send me all ER bills and you can see this person it is not me and they know that so I wanted to make a complained for this company run my identity not having enough proof they just because this person had the same name I did this is totally against the law my name is XXXX can you please help I could send the police report XXXX already has the dispute and I also have a copy so I dont't know what to do this people are not understanding I 'm been a victim a identity theft I have the police report and dispute but I need to scanned if you need it could be available for you as well