davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-26
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. (GA)

Theree is a closed account on my credit report that i did not open nor did I authorize to be opened XXXX  XXXX XXXX XXXX XX/XX/XXXX with a balance of {$13000.00}. 
A large number of inquiries are on my report that I did not authorize. 
XXXX XXXX XX/XX/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 XX/XX/XXXX I believe my personal information was used to try and obtain a loan. I did not agree nor provide such information to the following companies and need these inquiries removed from my credit report immediately. This is hindering my credit score tremendously and preventing me from obtaining new lines of credit.
Consumer complaint received 2023-12-26
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. (ME)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I want to remove any late payments in my XXXX XXXXXXXX account, XXXX XXXX XXXX XXXX XXXX account, XXXX XXXX XXXX account and XXXX XXXX
Consumer complaint received 2023-12-26
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ,  MD XXXX To whom it may concern : Per The Fair Credit Reporting Act, as a Federally protected consumer I am now opting out of any and all authorization, I, the consumer may have inadvertently given you written, unwritten, verbal and non-verbal, per 15 USC 6802. 

Per 12 CFR 1016.7, states that, A consumer may exercise the right to opt out at any time. 

I am opting out of your reporting services to Transunion, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-25
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. (NY)

To Whom It May concern, I got 2 hard inquires showing up on my credit report that I never gave anyone permission to run my credit profile on experian. The first is from XXXX made on XX/XX/2023 and the other was made by XXXX on XX/XX/2023. I never signed off anything with this company. This information is either inaccurate or fraud. As I never did anything on those dates with that company.
Consumer complaint received 2023-11-09
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: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2023-12-26
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or 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 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

I moved for XXXX to stop reporting negative accounts on my consumer report. I did not give written permission to have these accounts furnished on my credit report ( 15 USC 1681a2 ). These accounts must immediately be stopped from reporting on my credit report
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX, NV XXXX Dear XXXX XXXX I am writing to you regarding my [ credit card/account number ] XXXX XXXX XXXX XXXX with your company. I recently discovered that there is a late payment recorded on my credit report for the month of XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ]. I am writing to request that this late payment be removed from my credit report. 

The reason for the late payment was due to unexpected financial hardship. 
I understand that maintaining a positive credit history is essential, and I have been a loyal and responsible customer with your company since XXXX XXXX. I sincerely hope you will consider removing this late payment from my credit report as a gesture of XXXX. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. Account # XXXX, has violated my rights.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
Consumer complaint received 2023-11-09
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.
Consumer complaint received 2023-04-26
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. (TX)

Months ago, I sent a letter to the three credit bureausasking 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-22
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 recently received a copy of my credit report and noticed that I had fraudulent accounts and inquiries on my credit report. Please remove these accounts from my report they are hurting my ability to obtain credit. If not you are opening yourself up to litigation.
Consumer complaint received 2023-11-09
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)

XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/ and a balance of {$1600.00}. 


I believe this account is inaccurate and should be removed from my credit report immediately. Please verify that this is a previously removed collection/Charge-Off. The information on this account is extremely false and fraudulent. i have sent several credit dispute letters involving this account and it was removed from my XXXX report then added back months later. I need this removed from all my credit reports and also this is over 7 years. please delete this! 

This is against the Consumer Financial protection bureau and this Company is violating the Debt collection practices. I have received multiple emails and calls offering me a settlement amount. i am not interested in this whatsoever. attached is proof of this offer being sent to me for over 7 years.

here are two recent ones i have in my email XXXX XXXX I am aware of my rights under the FCRA, and I believe this collection account is not valid. I expect a timely response to this dispute, as required by law. Please conduct a thorough investigation and remove this account from my credit report if it is found to be inaccurate. I kindly request that you respond to this dispute within 30 days from the date of receipt, as mandated by the FCRA. Failure to respond within the specified timeframe may result in legal action. 

Thank you for your prompt attention to this matter. I look forward to a resolution that reflects the accuracy of my credit report. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. I personally signed and sent this letter. Sincerely,
Consumer complaint received 2023-11-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (FL)

My XXXX XXXX account was hacked by scammer on XX/XX/23 and a fraudulent ZELLE transferred was made and not authorized by me. I received a text stating : We declined {$100.00} at XXXX XXXX, and I logged onto my XXXX XXXX  account and saw the fraudulent transaction XXXX XXXX and then noticed the fraudulent, unauthorized Zelle transaction for {$4900.00}. I reported both transactions to XXXX XXXX department and XXXX opened 2 claims for the fraudulent charge and a second case for the fraudulent Zelle transaction. XXXX informed me they may not be able to recover the fraudulent Zelle transaction and it will take them 10 days to investigate even though they can see the Zelle funds were transferred to XXXX  XXXX XXXX and name of the person that received the funds via Zelle. As a consumer, this doesnt sit well with me that there is no consumer protection against XXXX XXXX  like Zelle XXXX!!
Consumer complaint received 2023-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (FL)

My Apple Card account was restricted on XX/XX/XXXX with no explanation. I contacted Apple Card support and was told there was an investigation on my account that would require 5-7 days to complete. On XX/XX/XXXX, I received an email that my Apple Card was closed because " There was a failure to comply with the terms of the Customer Agreement ''. I contacted Apple Card support to inquire about what term I did not comply with but was told they could not reveal that information. They also told me I could not reapply for the card.
Consumer complaint received 2018-01-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (GA)

good evening. at this time i have a strong offer on the property. right now i have an offer of $ XXXX, and the lender came back with the offer did not meet investor requirements. I have asked the lender what does that mean, and i have yet to receive answer. I feel as if the lender did not pay the attention to my offer that it deserves and i want them to go back and look at the offer on a more serious note. 
I am trying my hardest to get the property sold and the lender is thwarting my efforts at every turn. If this is giving me a foreclosure alternative then i am truly disappointed. I only want to try to take care of my responsibility since i failed at the first time. I want to sell the property and i need my investors assistance to sell it.
Consumer complaint received 2023-12-26
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. (TX)

I have asked TransUnion 3 separate times to conduct an investigation into several accounts on my credit report that I believe are inaccurate. Each time TransUnion sent me an automated computer generated response saying they do not believe the request was coming from me. Every time I provided Proof of ID and Proof of Address and they refused to do so. They have consistently violated my rights under the Fair Credit Reporting Act and should be held accountable for this.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX Bank has not removed an unauthorized hard inquiry or illicit inquiry even though it said it would to all credit bureaus and the FTC/CFPB. Please notify XXXX XXXX XXXX Bank XXXX XXXX the right thing and remove the unauthorized hard inquiry from Equifax. Equifax also confirmed that XXXX XXXX XXXX Bank XXXX XXXX. 

On XX/XX/XXXX, XXXX XXXX XXXX Bank XXXX XXXX following but still has not acted to remove the Hard Inquiry : " It's our policy to comply with all applicable laws and regulations. We've reviewed the account and found no violations of law. We previously responded to correspondence regarding this same matter with our letter dated XX/XX/XXXX. XXXX submitted another request to the credit reporting agencies to remove the XX/XX/XXXX, inquiry from the credit reports. Were not affiliated with the other company listed in the correspondence. They will need to be contacted directly for matters related to them. ''
Consumer complaint received 2023-12-26
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. (UT)

ACCORDING TO 15 USC 1681I - XXXX, XXXXXXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-04-22
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: EQUIFAX, INC. (IL)

I have hard inquiries on my report that I will like to be removed, Ive sent serval by disputes in regards to these inquiries, these inquiries are fraudulent and I want them all removed XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is XXXX XXXX with new & updated about my recent complaint XXXX. I am writing to dispute the validity of certain inquiries on my credit report, which I believe were made without my authorization. After reviewing my credit report dated I noticed several inquiries listed that I do not recognize or recall authorizing. XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-12-26
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. (DE)

On the morning of XX/XX/2023 i woke up with XXXX unauthorized inquiries on my credit report Credit Alert New Inquiry XXXX XXXX XX/XX/2023 from TransUnion > Credit Alert New Inquiry XXXXXXXX XXXX XXXX XX/XX/2023 from TransUnion > Credit Alert New Inquiry XXXX XXXX, XXXX XXXX XX/XX/2023 from XXXX I've tried calling TransUnion and XXXX to get this resolved but was not successful. A security freeze was placed on my account with XXXX. I did not authorize any of these inquiries nor have i applied for anything that would run my credit.
Consumer complaint received 2023-09-25
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. (KY)

I am requesting again in regards to the inaccurate and unknown items immediately. Thanks on my credit report. There are multiple errors shown in my report. Please verify that all items immediately. Thanks are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items immediately. Thanks and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-25
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. (TX)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.