davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-19
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. (NV)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IN)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2024-03-26
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: Experian Information Solutions Inc. (NJ)

Hello, Experian has an unrecognized inquiry on my credit report. My credit report has been shared without my consent and the below inquiry need to be removed and proof of any credit applications etc. need to be provided in reference to this inquiry.

The inquiries are listed below : Account name XXXX XXXX XXXX Date of request XXXX
Consumer complaint received 2023-11-26
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. (MA)

In accordance with the Fair Credit Report Act XXXX 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 an account without my written instructions. 
This account reported on my credit report is a fraudulent account.
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$9100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$1200.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX 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 2023-11-26
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. (MN)

I have checked my consumer credit profile and have noticed that there is a TON of inaccurate information including information that I never authorized to be reported nor has any government agency given authorization for any of the information to be reported, ( XXXX, XXXX ) never had authorization to report any experiences to any of my consumer reports these accounts are in direct violation of 15usc1681 ( i ) these acounts should be removed as required by law.
Consumer complaint received 2023-12-23
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. (KY)

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-18
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. (PA)

I am writing to formally dispute the negative inquiries on my credit report, which are adversely affecting my ability to secure housing. Despite my previous attempts to resolve this matter directly with the credit bureaus, the negative inquiries continue to remain on my credit report, thereby impeding my access to fair housing opportunities. 

Under the provisions outlined in 15 U.S.C 1681, I assert my rights to accurate and fair credit reporting. These negative inquiries inaccurately reflect my creditworthiness and jeopardize my fundamental right to access housing, they are defamation to my character, which is protected under human rights laws. 

I have diligently followed the necessary procedures to dispute and rectify these inaccuracies, yet the negative items persist on my credit report. I am requesting immediate action to investigate and remove these erroneous entries from my credit report in accordance with the law. 

Enclosed with this letter are copies of the relevant documentation supporting my claim, including previous correspondence with the credit bureaus regarding this matter. 

Additionally, I would like to highlight specific discrepancies pertaining to the accounts listed on my credit report. These discrepancies are primarily attributed to the absence of valid dates associated with the accounts. Specifically, the account " XXXX XXXX XXXX '' with an amount of {$2400.00} is erroneously duplicated on my credit report, appearing XXXX. 

Furthermore, the following accounts exhibit discrepancies due to the absence of valid dates : - XXXX XXXX XXXX : {$2300.00} - XXXX XXXX XXXX : {$580.00} - XXXX XXXX XXXX XXXX : {$3700.00} - XXXX XXXX XXXX : {$630.00} - XXXX XXXX : {$9700.00} These inconsistencies not only misrepresent my credit history but also hinder my ability to secure housing. I urge for a thorough investigation into these discrepancies and prompt removal of the inaccurate information from my credit report. 

I kindly request that you initiate a thorough investigation into this dispute and take prompt measures to rectify the inaccuracies on my credit report. Your assistance in resolving this matter expediently is greatly appreciated. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX ---
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (VA)

Experian still put this credit acceptance on my credit report it is settled I don't remember it's been since XXXX XXXX XXXX it was a lemon it could not pass inspection for nothing car broke down on highway tow truck came towed it s aid the engine went oil leaking out no front lights it was a nightmare terrible once the car got to the tow shop he manager said it was a peice of junk lemon do I complaints to XXXX, attorney general office, consumer affairs office they told us to try to get the car back to the dealership XXXX XXXX in XXXX NY XXXX XXXX XXXX used car lot closed down 1 year 3 months after we had the car they we're selling lemon XXXX XXXX 1 year until inspection and that when we found out the car lot was scamming customers selling car that were in storms flooded water damaged engine 's credit acceptance said they need to get the car sold so we told the tow man what happened and what we went through with this car lemon he brought it and used the car for parts so he contacted credits acceptance and they agreed on XXXX and I sent a copy of the paid in full letter Experian credit said that's not proof I want to sue them for damages of XXXX voilated code 15us 1681 code809 code 611 code. 623 code 605
Consumer complaint received 2021-02-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Genesys National Recovery, Inc. (PR)

Companies : 1. XXXX XXXX 2. Genesys National Recovery XXXX XXXX with executive order during emergency covid-19 closed gym without providing services, debit account monthly. I have never received answers and they have never solved my problem since since XX/XX/2020 I issued a request to cancel the contract and they do not cancel according to its clause 10 of XXXX XXXX If they are closed for 90 days it can be canceled without any charge and that is what XXXX XXXX has not done
Consumer complaint received 2023-11-26
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. (FL)

In accordance with the Fair Credit Report Act XXXX XXXXXXXX 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 an account without my written instructions. 
This account reported on my credit report is a fraudulent account.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

This was removed but since the credit report against want to blame the credit card company and say I had more XXXX acount from XXXX XXXX XXXX  show me so this help the other investigation.
Consumer complaint received 2022-12-05
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. (NC)

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 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (VA)

XX/XX/2023, amount {$1000.00}, actions that were taken by me is I reached out to Fifth Third Bank and explain the situation about the car payment the vehicle was totaled in a car accident someone hit me from behind so I was out of work waiting for the settlement to be paid and gap insurance to pay the remaining balance which was paid in full. The actions taken by Fifth Third Bank they reported a late payment on my credit report with all three bureaus. Which was out of my control.
Consumer complaint received 2024-04-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

've always made sure that payments on this account are made on time, avoiding any instances of them becoming overdue. However, I'm unsure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-11-26
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: Experian Information Solutions Inc. (OH)

XXXX XXXX, using XXXX XXXX as the credit servicer, claims my husband and I have a credit card under our names, XXXX and XXXX XXXX, opened in XXXX. 

The account ends in XXXX. We did not open this card or make any purchases on it. 

In XXXX, I opened a single XXXX XXXX account and purchased garden supplies for approximately {$120.00}. The clerk was to put this purchase on my XXXX XXXX card. I am told the account ending in XXXX, which we did not know of, is 120 days past due. 

We have disputed this with the company and requested an investigation of the account and purchase. First, we were told that legally, we could not dispute an account, which is incorrect. We also asked for the original credit documents of the account from the time of opening and purchase but were refused these. Currently, the only document we have received on the account in question is a letter requesting we call to settle the account. 

We believe XXXX XXXX XXXX has made an error in this card being opened and the purchase and would like this removed from our credit report asap! 

Thank you, XXXX and XXXX XXXX
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (UT)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-26
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. (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, has violated my rights. Account Name : XXXX XXXX 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. 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. 

In XX/XX/2019, XXXX XXXX responded to a complaint with the CFPB # XXXX, indicating that after investigation REMOVING Bankruptcy record # XXXX from my XXXX file.
Consumer complaint received 2023-11-26
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. (NJ)

In accordance with the Fair Credit Reporting and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2023-11-26
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. (NV)

In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX  and account # XXXX  also with 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 an account without my written instructions. 

again XXXX XXXX XXXX Account # XXXX  And Account # XXXX
Consumer complaint received 2024-04-19
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)

I believe FCRA 605B says we should take out any wrong accounts from my credit report. Can you check the papers? Some of the accounts listed are wrong in terms of reporting, with wrong amounts and dates.
Consumer complaint received 2023-06-15
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: OneMain Finance Corporation (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602, States : I have the right to privacy.

15 USC 1681 Section 604 A Section 2, States : A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681a- Definitions ; rules of construction- Exclusions.- Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (GA)

I requested my 1099-c from this company that was cancelled debt. This company is reporting cancelled debt to my consumer report. This is a clear violation of 15 usc 1692s-2. Ive put them on notice that income cant be reported to a consumer report and they are reporting inaccurate information. They havent send me the 1099-c form that I requested to file my taxes properly. They are committing tax fraud!
Consumer complaint received 2024-04-19
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. (VI)

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.