davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-17
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. (MN)

I am writing to formally dispute the presence of some unauthorized hard inquiries on my credit report, as indicated in the report recently provided by your agency. Upon careful review, I have identified these inquiries that were conducted without my explicit consent or knowledge. I am reaching out to seek your assistance in thoroughly investigating and expeditiously removing these inquiries from my credit report, as it adversely affects my creditworthiness
Consumer complaint received 2023-08-30
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. (FL)

I have no knowledge and did not consent for my information to be used by these companies. Please remove the following inquires, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

To Whom It May Concern, This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U.S. Postal Service on that date. 
Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. 
For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX XXXX Account Number : XXXX Under 15 USC 1666B I DEMAND you to update the payment record in this account. 
2. Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. 15 U.S. Code 1650 Preveninting unfair and deceptive private educational lending practices elimination conflicts of interest XXXX XXXX XXXX  XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX SC XXXX XX/XX/XXXX The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ). 
Sincerely yours, XXXX XXXX
Consumer complaint received 2022-11-17
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: Experian Information Solutions Inc. (OK)

In accordance with Federal Credit reporting Act, these Creditors violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S. Code Section 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2018-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CURO Intermediate Holdings (IL)

The company XXXX XXXX XXXX appeared on my XXXX credit report on XX/XX/2017. It appears to be personal loans company under business type. When I contacted the company, they informed me that my social security number and other identifying information was used in an attempt to acquire a loan. I informed the company that I have not submitted any form of application for financing or loan acquirement and that this inquiry was initiated without my consent or knowledge or permission. The company said they will document the issue and contact me back with further instruction. I have yet to hear back from the company and each time i contact them further, I am told the same thing.
Consumer complaint received 2024-07-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (IL)

i sent Vance and Huffman LLC a letter requesting validation of debt along with a no parking rule, refusal to pay and cease and desist letter on XX/XX/year> regarding an account i have no knowledge of for the amount of {$1600.00} WHICH ISNT REPORTING TO XXXX OR XXXX WHICH SEEMS TO BE INACCURATE REPORING ACCORDING TO 15 USC 1681i. i have yet to receive a response. This company is in violation of multiple laws 1 ) i am unaware of this debt, they didn't give me an opportunity to dispute the information. if in fact you believe you gave me proper notification then please send me a copy of the certified receipt with my signature on it. a Collection agency has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of 12 CFR.1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) 2 ) 15 USC 1681 S-2 REPONIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES- YOU ARE PROHIBITED BY LAW TO FURNISH INACCURATE INFORMATION 3 ) Fair DEBT COLLECTIONS PRACTICES ACT 15 USC 1692G 4 ) FAIR CREDIT REPORTING ACT 15 USC 1681 VIOLATIONS FOR WILLFUL NONCOMPLIANCE-616 CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE [ 15 USC 1681N ] 5 ) DEFAMATION OF CHARATER ( PER SE ) 6 ). NEGLIGENT ENABLEMENT OF IDENTITY FRAUD. The continuing reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes for me and my family and i am seeking {$1000.00} per violation.
Consumer complaint received 2023-06-15
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. (IN)

I have disputed the new collections account with XXXX. Letting them know that I had already filed a complaint with CFPB about XXXX. They ignored my dispute immediately and even when I submitted proof refused to do anything about it.
Consumer complaint received 2024-07-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (CA)

I have been a victim of identity theft for a couple years now and my wallet was stolen with my social security card and Id and credit cards. Someone has opened up a fraudulent items in my name and does not belong to me. It is now reporting to my credit and it is fraudulent. The following account : VANCE & HUFFMAN LLC XXXX creditor : XXXX XXXX. ( Account XXXX : XXXX ), Date Opened : XX/XX/year>, XXXX : {$310.00}. CEASE the reporting of all fraudulent items immediately. I am not liable for this debt with MONEY MART. and I do not have any contract with VANCE & HUFFMAN LLC. I have attached a copy of my ID and FTC report. ( Please see attachments ).
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
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: Experian Information Solutions Inc. (IL)

When I reviewed my credit report again, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX Balance : {$480.00}, XXXX  XXXX Balance : {$300000.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX reported a 30day late payment which was incorrect. 
I disputed this incorrect info with all 3 bureaus and during dispute process with XXXX XXXX XXXX then corrected the info by sending response that the XXXX/2022 payment was not late so 30 days late status was deleted. I then contacted XXXX financial again due to it was corrected on XXXX but not on Transunion XXXX XXXX. 
They proceeded with another investigation and still did not change the Transunion & XXXX status but proceeded to go back to my XXXX report & reported another XXXX late status for the same date of XXXX/2022 that they had previously investigated & corrected!
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Consumer complaint received 2023-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Chime Financial Inc (IA)

I was charged over {$200.00} on XX/XX/2023. My bill was {$26.00} and I noticed a few months later they had charged me {$220.00}. I have called Chime and disputed. I have showed them the receipt and they have denied my claim
Consumer complaint received 2024-04-17
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. (NC)

Upon reviewing my TransUnion, XXXX and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Consumer complaint received 2024-04-17
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)

I HAVE SEVERAL ITEMS ON MY CREDIT REPORT THAT DO NOT BELON TO ME. I FILED A COMPLANIT WITH FTC REPORT, CONCERNIN TE ITEMS THAT IS LISTED. THE ADDRESS LISTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-17
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. (VA)

Dear Sir/Madam, Subject : Request for Removal of Fraudulent Hard Inquiries from Credit Report I am writing to formally request the removal of unauthorized hard inquiries from my credit report, which appear to have been made fraudulently under my name. It has recently come to my attention that my identity may have been compromised, and I did not authorize or initiate the following credit inquiries : XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX as reported by XXXX XXXX XXXX XXXX and Transunion
Consumer complaint received 2023-04-14
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: The Bureaus, Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : Account name : THE BUREAUS # 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 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 2022-12-02
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 ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX / XXXX / TransUnion has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of XXXX XXXX Account XXXX. I believe it was reported in error. 
XXXX XXXX XXXX  Balance : {$760.00}
Consumer complaint received 2023-05-09
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: EQUIFAX, INC. (IL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

They have listed XXXX inaccurate names XXXX ) XXXX XXXX ( Last name Completely Misspelled ) XXXX ) XXXX XXXX Incorrect last name! 

The only accurate name is XXXX XXXX! Refer to my driver license which is displaying the proper name which is XXXX XXXX
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the fair credit reporting act this creditor has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card/account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2021-01-11
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. (TX)

XXXX, XXXX, Transunion XXXX XXXX Account open XXXX Late Payments : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Account opened XXXX These not my accounts, I've contacted the creditor and the credit bureau about this matter and no one has shown me proof that's my account or even reached-out to me.
Consumer complaint received 2024-04-17
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. (OH)

I have written several letter and dispute items to be removed off my credit report and nothing has happen. i have ask Transunion, XXXX XXXX XXXX to remove items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to be moved. given letter and file reports and the items are still on my report
Consumer complaint received 2024-04-17
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. (MI)

I found that it is authorized hard inquiries on my Transunion credit report that I did not authorize. 

XXXX 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 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My letter that I sent to XXXX XXXX : Dear XXXX XXXX Credit Bureau Dispute Department, Earlier this year I called your customer service to close my account and enter into a payment plan. XXXX XXXX agreed to a payment plan, took my banking information ( account and routing number ) and the XXXX XXXX customer service team stated they would enroll my account into autopay. 

However, I was notified via a Transunion alert just a month later ( end of XXXX ) that XXXX XXXX failed to process my payment and enroll my account into autopay. 

My Transunion report now shows Accounts with Adverse Information with XXXX XXXX XXXX XXXX listed as the account for XX/XX/2024. 

The failure on the part of the customer service at XXXX XXXX has negatively impacted my credit as shown in my FICO scores provided by Transunion. 

As you can see on my attached report I do not have any account flags besides the error created by XXXX XXXX. This Transunion report covers the last seven years. 

Please converse with Transunion and all other credit bureaus to remove adverse/missed payment status. XXXX XXXX made it clear that my account would be auto-debited with this new payment plan. I should not have my FICO score drop XXXX points and have negative remarks on my credit report due to this poor customer service. 

Please provide confirmation that this will be fixed on my Transunion report. It has been disputed with Transunion but I would like to ensure both Transunion and XXXX XXXX communicate in order to rectify this. 

I can be reached at ( redacted phone number ) or at ( redacted email ).
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I contacted XXXX XXXX  multiple times regarding incorrect information on my consumer report and they are refusing to update the information to accurate. I have attached an explanation of what has happened along with their responses to me. XXXX XXXX  has admitted that they are reporting accurate information when I have proven that they are not. I demand the CRA 's delete this information immediately and for XXXX XXXX  to stop reporting this account to the CRA 's this is the account ending in XXXX.