davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-26
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 submitted a complaint regarding unauthorized HARD INQUIRIES ON MY CREDIT REPORT ON XX/XX/XXXX through the CFPB FILE # XXXX TRANSUNION responded on XX/XX/XXXX stating that they are working on the issue and I never received an updated results.They have requested for me to send verification through mail which I have mailed back to them XXXX I called them and spoke to an agent named XXXX and they have confirmed that they have received it and that they will delete them, they have not deleted them. These hard/unauthorized inquiries are stopping me from obtain a mortgage loan and I am requesting for transunion to make the proper Steps to delete these hard fraudulent inquiries off my report. Please see attached documents INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-26
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. (NV)

In accordance with the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-13
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. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-02-14
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

After repeated marketing offers to upgrade my XXXX XXXX XXXX XXXX to a XXXX  XXXX, I finally accepted though an online process. This was on or about XX/XX/2023. The XXXX card was approved and delivered to my home. I have attached a photo of the card. Since I was now going to use the upgraded card, I contacted XXXX XXXX and instructed them to cancel my Business XXXX XXXX and refund me the annual fee I had recently paid. I was told that I had exceeded the XXXX window to get a refund on the XXXX XXXX XXXX I was now looking at a combined fee of {$790.00} for two XXXX XXXX cards, I instructed the company to cancel the XXXX  Card and reinstate the original XXXX XXXX. On or about XX/XX/2023, I contacted XXXX XXXX again and asked them to reconsider charging me the full {$690.00} fee for the XXXX  Card considering I had already paid {$95.00} for the XXXX XXXX. On this call, the customer service agent said they could offer me a {$50.00} courtesy credit or return me a {$79.00} prorated share of the cancelled XXXX card. ( I was told this was not possible in an earlier call. ) I gratefully accepted the prorated offer and instructed XXXX XXXX to reinstate the previously issued XXXX XXXX. Unbeknownst to me, my credit score was now adversely affected because I had recently cancelled two credit cards. This result was not made clear to me by the company. XXXX XXXX has denied reinstatement of the XXXX  Card twice citing : " A serious delinquency on one or more of your accounts '', " The time since your latest reported delinquency is to recent or unknown '', " There are too few accounts currently paid as agreed '', " The ratio of loan balances and loan amounts is too high. '' ( letters attached ). I have closely examined my finances and have not found any delinquencies or accounts not " currently paid as agreed. '' In my opinion, this is a breakdown in XXXX XXXX internal systems. I have been entrapped by a series of company procedures and computer algorithms that have deeply impacted my credit scores in a serious and harmful manner. I have had repeated contact with XXXX XXXX. They have told me multiple times that they will not reinstate any of the cards and are unable or unwilling to correct any misconceptions with credit agencies. I have requested that XXXX XXXX review my communications and acknowledge the systemic vulnerabilities that have devastated my credit score and besmirched my reputation. Their last stated position is " we are unable to reinstate your credit card. '' Please help me.
Consumer complaint received 2023-12-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

I am XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. I never had a contractual relationship with NATIONAL CREDIT SYSTEMS company I believe the original creditor XXXX XXXX XXXX XXXX XXXX XXXX  sold my account without proper notification. This is clearly violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/XXXX, I filed a complaint with the CFPB because its impossible to access TransUnion 's dispute page ( their server is ALWAYS down ) about a closed account, XXXX XXXX XXXX that should have been removed ACCORDING TO TRANSUNION 'S OWN CREDIT REPORT. 

They replied back through CFPB that they're still " investigation '' and will reply within 60 days. 

How preposterous! What an egregious abuse of power when all they had to do was look at their own report. 

Of course, as usual, the CFPB does absolutely nothing!!!
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX Account Number XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
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. (FL)

The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.
Consumer complaint received 2023-12-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Tromberg, Morris & Parnters, PLLC (NY)

I received a notice of garnishment. this company did not properly service me they have my correct address as i look thought the paperwork it clearly shows both address old and new address. i was not aware of this summon back in XXXXI will like for this summon to be withdrawn. Amount XXXX
Consumer complaint received 2023-12-13
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. (NC)

On XX/XX/2023, I checked my credit, wanted to see if everything was in line in terms of timely payments and see if anything was unusual, etc. 

I noticed unauthorized inquiries on reports, I would seek your help to check with institutions why they are reflecting on my credit report.
Consumer complaint received 2024-04-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
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. (CA)

Well I had taken a look at my consumer reports from all 3 credit bureaus and the information does not match 2 reports contained addresses I've never lived at and another report contains misspelling of my name that I have never gone by for instants I've never lived at XXXX XXXX XXXX XXXXXXXX Ca, nor have I ever lived at XXXX XXXX XXXX XXXX, Ca XXXX there 2 more addresses that I don't recognize, and I'm pretty sure that is against the law to be reporting inaccurate data on my report, I have only ever lived in one address my whole life Im very upset with my reports and strongly encourage the credit bureaus to confirm & Correct any misspelling of my name & Correct or Remove these addresses from my credit reports XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Consumer complaint received 2024-04-26
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. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-12-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TN)

Frontline Asset Strategies has inaccurately and illegally reported false information and a fake collections account to my credit report on XX/XX/2023 in the amount of {$830.00}. I am requesting this account to be thoroughly investigated and removed if found to be fraudulent/inaccurate. I have never used XXXX before in my life.
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. (GA)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-04-26
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. (CA)

" Your agency is in violation!

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX - XXXX {$15000.00} XXXX XXXX XXXXXXXX {$5200.00} XXXX XXXX  XXXX {$4600.00} XXXX XXXX XXXX XXXX - XXXX {$20000.00} XXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX  {$990.00} XXXX XXXX XXXX {$7400.00} XXXX XXXX XXXX - XXXX {$9600.00} XXXXXXXX XXXX XXXX XXXX {$360.00} XXXX XXXX - XXXX
Consumer complaint received 2023-12-13
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. (OH)

This is not a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. 
In accordance with the Fair Credit Reporting Act XXXX, these accounts below has violated my rights according to 15 U.S.C 1681 section 602 A. States, I have a 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. 

Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX
Consumer complaint received 2023-12-13
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. (VA)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-04-26
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. (MD)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-26
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. (MS)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

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 2024-03-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Metro Collection Service Inc. (SC)

On XX/XX/2024 I received an updated copy of my consumer report. I noticed that Metro Collection Services acct XXXX was still listed. This account has never been verified. I have never enter into a consumer credit transaction with this corporation. According to 15 USC 1692g debt collectors are required to notify the consumer within 5 days and send proof of the alleged debt. I never received any thing regarding this account. Furthermore any electronic copies of a bill statement does not prove that I owe a debt. Those documents can be fraudulent and if I never signed a contract with Metro bearing my wet ink signature then you have not right furnishing this false and inaccurate information on my consumer report. I want to remind you that according to 15 USC 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. and ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section XXXX of this title for failure to comply with a provision of this subchapter.
Consumer complaint received 2024-04-26
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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
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. (PA)

My understanding is that FCRA 605B requires us to eliminate any incorrect accounts from my credit report. Could you please examine the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates.