davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-20
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. (FL)

I am writing to formally request the removal of two accounts from my credit profile with XXXX, which are causing a detrimental impact on my credit history. The accounts in question are listed with the last four digits XXXX and XXXX, and they belong to XXXX XXXX I believe that these accounts should be removed from my credit report as they have been discharged, and the IRS 1099 has been provided to confirm their status.

According to the information provided by the creditor, the debts associated with these accounts have been legally discharged. This discharge signifies the conclusion of my obligation to pay these debts. In line with this development, I kindly request that you remove these accounts from my credit profile and update my credit report to reflect their discharged status. This will accurately represent my financial situation and provide a more comprehensive view of my creditworthiness. 

I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I believe that your organization may have violated these rights, specifically under 15 USC 1681 Section 604 ( a ) Section 2 and 15 USC 166b. Let me explain why I believe these violations have occurred : 15 USC 1681 Section 604 ( a ) Section 2 : This section of the FCRA outlines the permissible purposes for obtaining a consumer report. It restricts access to an individual 's credit report to those with a legitimate and lawful reason. Any unauthorized access or use of my credit report may be considered a violation of this provision. I have reason to believe that these accounts may have been accessed without a valid and lawful reason, as the debts associated with them have already been discharged and are no longer active.

15 USC 166b : This is a significant part of the FCRA, which sets out requirements for obtaining and using consumer reports for employment purposes. While this section may not be directly related to the issue at hand, I believe it is crucial to mention it to highlight the importance of accurate and lawful repor
ting, especially regarding discharged debts.

I kindly request that you investigate these matters and take prompt action to correct my credit profile. Removing these discharged accounts and updating my credit report will help me maintain an accurate credit history, which is essential for various financial transactions, including obtaining loans and credit. 

I look forward to a timely resolution of this matter and request written confirmation once the necessary changes have been made to my credit profile. Thank you for your attention to this issue.
Consumer complaint received 2023-10-20
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)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XX/XX/XXXXXXXX
Consumer complaint received 2023-10-20
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. (AR)

Hello! I am sending this complaint as I noticed that there were no deletion updates happened in my credit reports. I am a bit disheartened that the Experian, XXXX, XXXX Credit Bureaus have not removed any of these inquiries even in the first place. I hope this time the Credit Bureaus will remove these inquiries from my credit reports within 15 days : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-14
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. (AZ)

I feel frustrated, unhappy, and troubled by the situation regarding my credit report. There are late payment remarks on some of my accounts, even though I have consistently made on-time payments.
Consumer complaint received 2024-03-14
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. (TN)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated 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 XXXX
Consumer complaint received 2023-10-20
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. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed 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
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-14
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. (TN)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-10-20
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. (MI)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I will attach a copy of the snippet from my credit report. Its appears that XXXX did not correctly investigate for Diversified Adjustment XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. 


Status shows '' Not reported '' Recent Balance : " Not reported ' first reported : " date not reported '' date of status : " date not reported " This item should have been deleted after verification. Per XXXX no investigation was done. 
There is also remaining items disputed that should have been removed that have no status but are still currently reflected on XXXX XXXXs credit report.

Hard inquiry XXXX XXXX XXXXXXXX, XXXXDont bank with or use XXXX XXXX XXXX. Never applied for any credit. Please remove. 

Names ; XXXX XXXX used or know by this name Address : XXXX XXXX XXXX XXXX Fl.- This is not a physcial address which means I never lived here,
Consumer complaint received 2023-10-20
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, Account : XXXX from 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 1692b acquisition of location information by debt collectors.
Consumer complaint received 2023-10-20
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-20
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. (IN)

RE : XXXX In accordance to 15 USC 1681 ( 7 ). 1 requested to see the description of what happened during the reivestigation. What was the method of verification was used. The company name, name of person, title, phone number conducting the investigation. I never received any copies of documentation during the 15 days. The Credit Reporting Agencies have to conduct a personal interview with family members, neighbors and friends in order to validate any debt by FCRA law. The Credit Reporting Agencies can not rely on information from a third-party that do not have first hand knowledge of transaction on report. None of the Credit Reporting Agencies did not call me or send me a letter to validate these debts. Which is another violation of the FCRA law. Company law does not Trump Federal law. The Credit Reporting Agencies is not adhering to the FCRA laws. I have sent in everything possible and they are still ignoring me.
Consumer complaint received 2023-10-20
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. (FL)

I am writing to formally request the removal of two accounts from my credit profile with Experian, which are causing a detrimental impact on my credit history. The accounts in question are listed with the last four digits XXXX and XXXX, and they belong to XXXX XXXX I believe that these accounts should be removed from my credit report as they have been discharged, and the IRS 1099 has been provided to confirm their status.

According to the information provided by the creditor, the debts associated with these accounts have been legally discharged. This discharge signifies the conclusion of my obligation to pay these debts. In line with this development, I kindly request that you remove these accounts from my credit profile and update my credit report to reflect their discharged status. This will accurately represent my financial situation and provide a more comprehensive view of my creditworthiness. 

I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I believe that your organization XXXX have violated these rights, specifically under 15 USC 1681 Section 604 ( a ) Section 2 and 15 USC 166b. Let me explain why I believe these violations have occurred : 15 USC 1681 Section 604 ( a ) Section 2 : This section of the FCRA outlines the permissible purposes for obtaining a consumer report. It restricts access to an individual 's credit report to those with a legitimate and lawful reason. Any unauthorized access or use of my credit report may be considered a violation of this provision. I have reason to believe that these accounts may have been accessed without a valid and lawful reason, as the debts associated with them have already been discharged and are no longer active.

15 USC 166b : This is a significant part of the FCRA, which sets out requirements for obtaining and using consumer reports for employment purposes. While this section may not be directly related to the issue at hand, I believe it is crucial to mention it to highlight the importance of accurate and lawful reporting, especially regarding discharged debts.

I kindly request that you investigate these matters and take prompt action to correct my credit profile. Removing these discharged accounts and updating my credit report will help me maintain an accurate credit history, which is essential for various financial transactions, including obtaining loans and credit.

I look forward to a timely resolution of this matter and request written confirmation once the necessary changes have been made to my credit profile. Thank you for your attention to this issue.
Consumer complaint received 2023-07-06
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. (IL)

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX  I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
Consumer complaint received 2023-10-20
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. (NY)

I'm writing to convey how deeply annoyed and dissatisfied I am with the bogus accounts on my credit report that have not yet been rectified. It has come to my notice that your agency has not taken the essential steps to swiftly resolve this issue despite numerous attempts to address it. You must comprehend the seriousness of this matter and the serious implications it has for my security, reputation, and financial situation. I've given you thorough information and proof that these accounts are bogus, and I've told you that I'm a victim of identity theft. You are required by law to carry out a complete investigation and guarantee the accuracy of the data reported on my credit file in accordance with the Fair Credit Reporting Act ( FCRA ). XXXX XXXX XXXX XXXX In order to defend my rights and make sure justice is done, I want to make it clear that I take this situation seriously and am prepared to pursue legal action if required. Any further delay is intolerable, so I believe your agency will move quickly and firmly to fix this issue.
Consumer complaint received 2023-10-20
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. (PA)

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXXXX/XX/XXXX Balance : - XXXXXX/XX/XXXXXXXX Balance : {$4500.00} XXXXXX/XX/XXXX XXXX XXXX Balance : {$3300.00}XX/XX/XXXX XXXX : {$0.00} XX/XX/XXXXXXXX Inquired on XX/XX/XXXX
Consumer complaint received 2023-10-20
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. (MS)

I submitted a credit repair request to a company, but they 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 considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ProCollect, Inc. (TX)

I am showing a collection from Pro Collect on my credit reports. It is for XXXX XXXX XXXX. I lived in the apartments in XXXX and did complete the terms of my lease. For some reason they decided to try to evict me in XXXX after I had already moved out years earlier. They tried to take me to court and it was dismissed because they did not show up. Noone has been able to show me any lease or anything that I signed past my initial lease in XXXX. I keep reporting it to the credit bureaus and nothing gets done with them either. I have sent the paperwork to all involved parties. They just now put it on my credit in XXXX like it is a new debt. I am being denied credit to move into a new apartment now because of this. My information has been involved in the data breach from the credit bureaus as well. Noone will do anything.
Consumer complaint received 2023-04-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (VA)

Navy Federal Credit Union, my bankers, has blocked my XXXX account permanently for no justification. They content that I received that someone sent me XXXX of {$150.00} which the same person went to the bank that the money was drawn from that there has been a fraudulent transaction from someone to me. The person who transferred the XXXX to me is called XXXX XXXX. I contacted him about this situation and he explained to me that the account he used to send me the XXXX from XXXX XXXX  has multiple people on the account. One of them was his niece. This niece of his, according to XXXX, reported to XXXX Bank that someone has fraudulently transferred {$150.00} from her account to XXXX XXXX XXXX ( me ) through XXXX. 
XXXX XXXX, without investigating, sent a message to XXXX and Navy Federal about this transaction activity. 
After I contacted XXXX about this issue, he called XXXX XXXX  the it recanted the fraud and labelled it as error/miscommunication and sent a note to XXXX XXXX about it. XXXX gave me this note and I sent it to Navy Federal.

As I write this piece, Navy Federal has not reactivate my account for not justification. The bank mislead me by saying it XXXX that place the ban on my Account but XXXX vehemently denied that. The later agreed that it did that. This is brazen corporate outreach against person of color like me.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

I am showing a collection from XXXX XXXX  on my credit reports. It is for XXXX XXXX Apartments. I lived in the apartments in XXXX and did complete the terms of my lease. For some reason they decided to try to evict me in XXXX after I had already moved out years earlier. They tried to take me to court and it was dismissed because they did not show up. Noone has been able to show me any lease or anything that I signed past my initial lease in XXXX. I keep reporting it to the credit bureaus and nothing gets done with them either. I have sent the paperwork to all involved parties. They just now put it on my credit in XXXX like it is a new debt. I am being denied credit to move into a new apartment now because of this. My information has been involved in the data breach from the credit bureaus as well. Noone will do anything.