davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2024-04-14
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. (MO)

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  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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 2023-04-25
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. (FL)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts 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 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 XXXXXXXX
Consumer complaint received 2024-04-15
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)

On XX/XX/XXXX, I delivered a notarized notice of revocation of any authorization ( s ) I have given XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( i ) allow the Landlord and/or Landlord 's agent XXXX disclose information about me, the resident, or my tenancy to credit reporting agencies including, but not limited to, the amount and timing of payments due pursuant to the lease including payment of monthly base rent, good behavior, problematic behavior, and any debt outstanding, which then may be used in a tenant record, credit report and/or credit score for the resident. ( ii ) any authorization given to the Landlord and/or Landlord 's agent to obtain resident 's consumer report, which Landlord may use if attempting to collect past due rent payments, late fees, or other charges from Resident, both during the term of the lease and thereafter. Under 15 U.S. Code 1681b- Permissible Purposes of consumer reports ; any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX any of its non-affiliates ( XXXX, TransUnion XXXX XXXX XXXX do not have my consent or authorization to furnish a credit report without my consent. Any delinquent items reporting on my account shall be removed immediately. This includes all late payments in my consumer report under my account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX well as any outstanding balances. If XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to report any unauthorized information about me to the credit bureaus, they will be doing so unlawfully and won't be in compliance with the Privacy Act of 1974. I have withdrawn all authorizations that I have given to the company to furnish and consumer report and this also applied to the credit reporting
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

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.

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 2023-05-01
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: Convergent Resources, Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Disputing error [ s ] on credit report Convergent Outsourcing I am writing to request a correction of the following information that appears on my [ XXXX, XXXX, Consumer Report ] I would like you to remove all the inaccurate and misleading information from my credit report. The reporting details have adversely affected my credit worthiness and hampered my chances of acquiring a home loan. I do not have a place to go. I was in the process of closing on the home and now Im unable to with this collection on my account. 

I have paid and settled the debt the first day of receiving the debt notification that was paid on XX/XX/2023. Convergent Outsourcing has closed out my account the debt is now settled and closed. 

I am requesting a courtesy removal to remove both collections account from XXXX XXXX XXXX account. This will continue to affect me for 7 years. Can you please remove both accounts as a one time courtesy so I may move forward with securing a place to live. Please, my family and I will not have a place to live. 



Please investigate this matter and delete the disputed item as soon as possible. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

I am disputing some items that need to be deleted. I have highlighted the disputed item on the attached copy. The reasons why these items should be deleted are indicated below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX ACCOUNT NUMBER : XXXX Reason for deletion : Reporting late payment. However, the account has never been late. Investigate and remove ALL late payment history. 

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days.
Consumer complaint received 2024-01-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: REGIONS FINANCIAL CORPORATION (MO)

I am now trying to update my information with regions Bank on closed account information so they can have the updated addresses for three accounts that I have and they keep giving me a number with a repeating recording that does not provide any information the number that they provide to me is XXXX which does not give me the option to update my address so the letters that they provide on closed accounts to receive the compensation settlement can be directed to the correct address?
Consumer complaint received 2024-04-15
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. (AZ)

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete this account. 

5. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS CREDIT COLL Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2021-01-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Millco Management (FL)

At the time that this account was opened I had insurance ( moped XXXX insurance ) that covers all emergency services that XXXX XX/XX/XXXX offers. But yet they still sent the account to collections ( Amerifinancial Solutions ). And also they did not ask my permission nor did I authorize them to share any of my personal information with Amerifinancial Solutions which is a direct violation of my HIPAA rights.The account number in question is XXXX
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

On or about XX/XX/2023, XXXX increased my credit card limit from $ XXXX to $ XXXX. I did not ask them to do this nor give permission. When I got notice of this, I called and asked the limit to be reduced and formally complained via the bank 's complaint system. On or about XX/XX/2023, the limit was reduced from $ XXXX to $ XXXX. Subsequent to this reduction, my credit score reported by Experion and other similar agencies and reported by XXXXe DECREASED because my credit limit was reduced. When I received notice about the credit score decrease, which was the result of XXXX correcting its unilateral and unrequested decision to increase my limit unbeknownst to me and without my request or approval, I filed a second complaint with XXXX. They have done nothing regarding either complaint. 

My XXXX XXXX is now down XXXX points as a result of XXXX taking action without my request or approval and subsequently correcting it at my request. XXXX simply wanted me to charge more with their credit card so unilaterally increased my limit. I do not want a high credit card limit as I see it as a fraud/cybersecurity risk. If I wanted more limit, I would have requested it. 

I am retired and seeing a credit score decrease can be catastrophic. All due to the pursuit by XXXX of more credit card volume without having a conversation with me, their client.
Consumer complaint received 2024-04-15
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)

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXXXXXX XXXX  POTENTIALLY NEGATIVE Date XXXX Balance {$2100.00} StatusCollection account. {$2100.00} past due as of XX/XX/XXXX. 


XXXX XXXX XXXX POTENTIALLY NEGATIVE Date XXXX Balance- StatusClosed. {$20000.00} written off. 

XXXX POTENTIALLY NEGATIVE Date XXXX Balance {$800.00} StatusAccount charged off. {$800.00} written off. {$800.00} past due as of XXXX XXXX. 

XXXX XXXX XXXX POTENTIALLY NEGATIVE Date XXXX Balance- StatusPaid, Closed. 

XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Date XXXX Balance- StatusPaid, Closed. 

XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX
Consumer complaint received 2024-04-15
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

in accordance with the fair credit Reporting act XXXX Accounts Numbers Listed Below, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer Reporting Agency Can not furnish a account without my written instructions.
Consumer complaint received 2024-04-15
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. (FL)

Please be advised that as of XXXX as listed on my most recently reviewed Equifax consumer credit report, there are several fraudulent / unauthorized inquiries listed : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. I, XXXX XXXX am hereby notifying you that these inquiries are fraudulent and neither on those dates or dates similar did I authorize any individual from Equifax to furnish my consumer information to any company. Having understood that this is a violation of 15 U.S.C. 1681b ( a ) ( 2 ) : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other - In accordance with the written instructions of the consumer to whom it relates. Both together and separately, my consumer and privacy rights are being violated. If you can not provide my written authorization, the aforementioned fraudulent/unauthorized hard inquiries are to be removed from my consumer credit report and file IMMEDIATELY as their reporting has caused me and my reputation harm and discrimination. XXXX XXXX ( Without Prejudice )
Consumer complaint received 2024-04-13
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. (DC)

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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 2024-04-15
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. (NY)

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX Incorrect Name : - XXXX XXXX Employer - XXXX XXXX XXXX Employer - XXXX  Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged 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 PLEASE BE REMINDED BY THIS LAW/VIOLATION : Under 15 U.S.C. 1681 Section 602 A, I am entitled to privacy. According to 15 U.S.C. 1681 Section 604 A ( 2 ), a consumer reporting agency is prohibited from providing an account without my explicit written permission. Additionally, 15 U.S.C. 1681c ( a ) ( 5 ) stipulates that no consumer reporting agency may include in a consumer report any negative information, other than criminal convictions, that predates the report by more than seven years. Finally, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or should reasonably suspect that the information is inaccurate.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, 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
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, 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