davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-22
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. (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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-29
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. (OH)

I am a victim of identity theft. I have attached my complaint Ive filed with the Federal Trade Commission and Ive attached my identification for identity verification. My only name is XXXX XXXX XXXX XXXX and my only address is XXXX XXXX XXXX XXXX XXXX, OH XXXX. My credit report should only report the above accurate personal information.
Consumer complaint received 2024-01-10
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. (IL)

Disputed debt as collection agency ( XXXX XXXX XXXX XXXX ) is unable to find my account when given my name, date of birth, Original creditor, and ssn. The listed debt from XXXX XXXX XXXX XXXX  is {$150.00} and the original creditor is XXXX XXXX
Consumer complaint received 2024-04-29
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. (TX)

I am filing a formal complaint against TransUnion for inaccuracies and unverified information on my credit report, which I believe violates the Fair Credit Reporting Act ( FCRA ). My dispute includes an erroneous public record of a XXXX  XXXX Bankruptcy, incorrectly reported accounts associated with this bankruptcy from XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXXXXXX XXXX, and unauthorized credit inquiries from XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX. Despite my rights under the FCRA, these items remain on my credit report without proper verification or any proof of permissible purpose for the inquiries. I request an immediate investigation and removal of these disputed items within the statutory timeframe of 30 days, and confirmation of their removal in writing.
Consumer complaint received 2023-09-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

They ( BofA ) sent me the information of where they sent my monies BUT couldnt explain why!! Ive been receiving these XXXX checks for over 2 years now having them transferred to my personal bank bi/weekly and never had any problems, BUT now this individual hacked my account for over {$2500.00} and its been over ten days without any monies being received, or returned back to my account!!
Consumer complaint received 2024-01-10
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)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

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, NY XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX : {$1000.00}, XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$3400.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$4100.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$340.00}, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2024-01-10
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)

XXXX XXXX XXXX XX/XX/2023 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 I have reached out to all of the companies listed above and advised them i have not applied for any credit and advised it may have been fraudulently applied for they have all refused to remove these inquiries off my credit profile. 

i HAVE ALSO REACHED OUT TO ALL 3 CREDIT REPORTING BUREAUS AND THEY ARE UNWILLING TO REMOVE THE INQUIRES LISTED ABOVE UNLESS I FILE A FTC REPORT. 

FURTHERMORE, THE LISTED COLLECTION ACCOUNTS BELOW ARE STILL ON MY REPORT AFTER DISPUTING NOT ONCE OR TWICE, BUT MULTIPLE TIMES. THE CREDIT BUREAUS ARE REFUSING TO THOROUGHLY INVESTIGATE THESE ACCOUNTS, THEY HAVE NOT PROVIDED ME ANY INFORMATION ON HOW THESE ACCOUNTS ARE VERIFIED, INSTEAD THEY JUST SEND A GENERIC MESSAGE STATING " THE ACCOUNT HAS BEEN VERIFIED ''. IF NEEDED I WILL TAKE LEGAL ACTION INCLUDING AND NOT LIMITED TO {$1000.00} PER VIOLATION OF MY RIGHTS IF THIS IS NOT RESOLVED. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 


TRANSUNION : XXXX XXXX XXXX- {$3500.00} XXXX XXXXXXXX XXXX {$1900.00} XXXX- {$2100.00} XXXX XXXX XXXX {$1800.00}
Consumer complaint received 2024-04-29
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 recently looked over my credit report and noticed a inquire I did not authorize with XXXX XXXXXXXX on XXXX. I filed a dispute online at all three credit reporting agencies. I called and I was told the I must file a complaint here first before I can speak with the fraud department. There also XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DATE XXXX - XXXX ... .I did not authorized this account. I had no idea this was even reporting on my account.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with 15USC 1681 ( a ) ( 4 ) my rights have been violated. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.
Consumer complaint received 2024-01-10
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 writing to report violations of my rights by XXXX XXXX. They failed to validate an alleged debt, ignored my dispute, and may resort to unlawful collection practices. Please investigate and ensure they comply with the Fair Credit Reporting Act. Your prompt attention to this matter is crucial.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am making this complaint because TransUnion sent me an investigation results letter that clearly did not follow my instructions. On XX/XX/, and XXXX/XXXX/XXXX. I XXXX XXXX requested an investigation of an error on my consumer report regarding XXXX XXXX XXXXXXXX. 
I was not disputing this account whether it was mine or not. These XXXX  XXXX XXXX accounts ARE MINE, but are reporting inaccurate. These are the accounts with XXXX  XXXX XXXX # XXXX, and XXXX. The problem with these accounts is that they are inaccurate. XXXX  XXXX XXXX is reporting that these accounts are charged off. I have sent TransUnion documents from the IRS showing them that the IRS definition of a charge off is INCOME. Income doesn't get furnished into anyone 's credit report according to a publication with XXXX. I have contacted XXXX  XXXX XXXX with this issue and their response was the same. So I as a consumer utilize the right to dispute inaccurate information with the CRAs. XXXX  XXXX XXXX must either delete these accounts or report them as paid for less. I am also going to need XXXX  XXXX XXXX to send me my 1099 C for taxes purposes. This is the DATA Furnishers grave dutty. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-01-10
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-01-10
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

In XX/XX/2023 XXXX XXXX marked me 60 days late on my mortgage payment. This is false information. I tried contacting XXXX XXXX numerous times and also contacted XXXX equifax and XXXX. Nothing has been done. A lawsuit is next
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

DEPT OF EDUCATION/NELNET Date opened XX/XX/XXXX Balance {$3800.00} Status Open/Never late. 
DEPT OF EDUCATION/NELNET Date opened XX/XX/XXXX Balance {$4900.00} Status Open/Never late. 
DEPT OF EDUCATION/NELNET Date opened XX/XX/XXXX Balance {$6000.00} Status Open/Never late. 
DEPT OF EDUCATION/NELNET Date opened XX/XX/XXXX Balance {$8300.00} Status Open/Never late. 
DEPT OF EDUCATION/NELNET Date opened XX/XX/XXXX Balance {$5900.00} Status Open/Never late. 
DEPT OF EDUCATION/NELNET Date opened XX/XX/XXXX Balance {$2200.00} Status Open/Never late. 
DEPT OF EDUCATION/NELNET Date opened XX/XX/XXXX Balance {$5600.00} Status Open/Never late. 
US DEPT OF EDXXXX Date opened XX/XX/XXXX Balance - Status Transferred, closed/Never late. 

These items are incorrect WRONG ADDRESS and personal information. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete. 

Please remove this account immediately in its entirely from my credit file. DEPT OF EDUCATION/XXXX Please remove it from my credit report.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy, and appropriateness. In lieu of sending the information, you can reopen the dispute and ensure a proper investigation is performed. 

After you remove these items, please send me an updated copy of my credit report via mail.
Consumer complaint received 2022-12-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-04-29
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)

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. 

Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (LA)

On XXXX XXXX {$900.00} was withdrawn out of my chime account unauthorized by someone who had hacked my XXXX XXXX which was connected to the chime account. I wasnt logged into my cash app at the time because i was working on getting a new phone. I reported the problem to XXXX XXXX  and chime multiple times but they say it was no error and that i did the transaction myself. I left that amount on my chime just for emergency. They said payment statements proves that it was not an error but how am i supposed to make payments while being hacked they have all the documents i sent but still made it seem like i did it. Till today im still trying to fight against them for this matter.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-04-29
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)

I just checked and reviewed again my Equifax credit report and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-04-29
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)

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. 

Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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.