davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (IN)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I did not authorize the XXXX to include any information on my report, which is a violation of the permissible purposes outlined in The Truth and Lending Act 15 U.S.C 1681B concerning reports. Additionally, this action raises concerns regarding compliance with the procedures stated in 15 U.S.C 1681E. Section 4 of 15 U.S.C 1681C is particularly relevant in this context.
Consumer complaint received 2023-03-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2023-11-27
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)

XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-15
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: EQUIFAX, INC. (IL)

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 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 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 2023-11-27
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)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-27
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. (LA)

On XX/XX/, I submitted a request to XXXX XXXX to investigate the accuracy of information being reported to XXXX, XXXX and Trans Union Credit Reporting agencies. XXXX replied with the attached letter dated XXXX XXXX XXXX informing me the information was being reported accurately. I have illustrated these errors in the resolution to issue section below. No actions were taken to correct the obvious errors in the most recent XXXX credit reports that I have also attached. XXXX has failed at performance when it comes to this consumer loan failing to properly investigate on multiple occasions in accordance with XXXX Regulations. Please review the attached documentation and investigate.
Consumer complaint received 2024-04-13
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

To whom it may concern : I am using my rights as outlined by the Fair Credit Reporting Act ( FCRA ) to dispute any information on my credit report that I believe is inaccurate. The data included in my credit report must be documented and validated before it is included on my report. I can not recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements. You must report this with the greatest compliance and accuracy possible. You shouldnt report any claims that you know or should know are not in compliance with regulations or the law.If any of the allegations included on my credit report are not true, I request that they be immediately deleted. Please provide accurate and verified information for eac
Consumer complaint received 2023-11-27
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 the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, has violated my rights 15 USC 1681 604 says I have the right to privacy and 15 USC 1681 604a says they can not furnish anything without my written consent and I did not give written consent to to report anything
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

NOTICE TO PRINCIPLE IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern I recently received a copy of my consumer report ( XXXX, XXXX, TransUnion ) and I noticed that it is reporting my experience with your company. 



The line of credit I have with your company, which is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports. 





Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( I ) EXCLUSION Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) - subject to section 1681s-3 of this title, any - ( i ) reports containing information solely as to transaction or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES Transactions or experiences between the consumer and the person ( creditor name ) making reports is not to be included on my consumer report! 



Utilization is an experience with the lone of credit that was extended between me, the consumer and the person ( creditor name ) that is making the report. CONGRESS clearly states that the reporting of transactions or experiences between the consumer and the person making the report is not included on the consumer reports!

YOU HAVE VIOLATED THE FCRA 15USC1681a 2Ai by reporting this transaction or experience ( utilization ) on consumer reports which congress clearly states IS NOT included on my CONSUMER REPORTS You have 10 calendar days to update my utilization score to 5 % or below and or delete all utilization from the below accounts XXXX 30 % XXXX XXXX 85 % XXXXXXXX XXXX 39 % XXXX % XXXXXXXX XXXX 40 % XXXXXXXX XXXX XXXX XXXX 10 % XXXX 3 % XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 91 % XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXespond satisfactory with deletion of the above utilization score, will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of character Negligent noncompliance Civil liability Mental anguish Fair credit reporting act 15USC 1681 violations for willful noncompliance 616. Civil liability for willful noncompliance 15 USC1681n
Consumer complaint received 2023-11-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

i reached out to Transunion about inquiries on my credit file that were not authorized and they they never got back to me and the inquiries are still showing on my report and need to be removed asap XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting and 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 2023-05-23
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. (MD)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.
Consumer complaint received 2024-02-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. ()

On XXXX XXXX XXXXXX/XX/year>, my company XXXX XXXX sent a payment of XXXX to XXXX XXXX XXXX XXXX XXXX XXXX for my tourists. The payment was made from XXXX XXXX, which was subject to international sanctions. We requested a payment tracker, which shows that the funds are in a XXXX XXXX JPMORGAN CHASE BANK , N.A . We contacted XXXX twice, but never received an answer. Help me find my money
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am highly upset the credit bureaus have responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. I am authorizing this investigation this is not a third party company
Consumer complaint received 2023-05-23
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-28
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

Every time Im trying to make a purchase online, it just declines. When I tried calling the company, they cant find my card. Ive tried many times, and the card just declines. Ive used the card before, but all of a sudden it stops working.
Consumer complaint received 2024-02-07
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have a a lot of credit hard inquiries from XXXX  and its within short period of times. Looking to remove all off XXXX  hard inquiries on my report. They have not and will not accept me. Its effecting my credit score significantly
Consumer complaint received 2023-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

last month i took a look at my credit report last month and i noticed around 4 negative items that where not mine. I quickly found out that these accounts where open without my consent. i think that maybe XXXX cousin used my information to open these accounts.
Consumer complaint received 2023-05-23
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-23
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. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Transunion credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX. Please update ASAP.
Consumer complaint received 2023-10-30
Product: Credit 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: WELLS FARGO & COMPANY (CA)

as of XX/XX/23 I was charged XXXX USD from XXXX XXXXXXXX XXXX XXXX XXXX ( Puerto Rico ) which is XXXX USD higher than what should the bill. As of XXXX I opened the dispute with Wells Fargo bank that emitted the credit card. ( dispute number XXXX ). They said since I don't have a receipt from the restaurant on hands they closed my dispute without resolving the issue. I asked for the investigation them to request the prove of the bill from the merchant but they denied it. So I believe they don't fulfill their fiduciary duty as a financial institution to protect my assets.
Consumer complaint received 2023-11-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to file a formal complaint against TRANSUNION for IDENTITY THEFT. I believe that my rights under the Fair Credit Reporting Act have been violated. TRANSUNION VIOLATED MY RIGHTS, TOOK MY NONPUBLIC PERSONAL INFORMATION AND TRANSFER IT TO NON-AFFILIATES WITHOUT MY CONSENT THAT IS IDENTITY THEFT I ASKED TRANSUNION TO PROVIDE ME WITH A CONTRACT SIGNED BY BOTH PARTY WHERE I GIVE TRANSUNION PERMISSION TO SHARE MY INFORMATION AND NONE WAS PROVIDED. MY REQUEST TO BLOCK THE INACCURATE UNVERIFIABLE INFORMATION IS NOT MADE IN ERROR ; NOR MY REQUEST TO BLOCK THE INACCURATE UNVERIFIABLE INFORMATION BEING MADE ON THE BASIS OF MATERIAL MISREPRESENTATION OF FACTS. 
I obtained a copy of my TRANSUNION XXXX Report, this report a copy is hereto attached states inaccurate bankruptcies information in my name, along with the other items mentioned hereto. 
Upon discovering these inaccuracies, I sent TRANSUNION AN AFFIDAVIT OF FACT- STATEMENT OF BILL PROTEST ON NEGATIVELY REPORTING ON MY CONSUMER REPORT. THE AFFIDAVIT OF FACT WAS RECEIVED BY TRANSUNION ON XX/XX/2023 TRANSUNION FAILED TO REBUTE THE AFFIDAVIT POINT BY POINT ( A copy is hereto attached ) Despite my disputes submission TRANSUNIONS RESPONSE ( copy hereto attached ) failed to provide me with proof of the method of verification according to FCRA 611 ( a ) ( 7 ) 15 USC 1681 ( a ) ( 2ab ) and Title USC 24 by LAW TRANSUNION was required to send me a complete description of all methods used to investigate this dispute, this notice will include ; dates, names, I.D number, addresses, and phone numbers of the direct source of the furnisher of the information NOT THIRD PARTIES AS PER FCRA 611 ( A ) ( 7 ). TEREFORE THE INACCURATE DISPUTED INFORMATION HAVE TO BE DELETED.
Consumer complaint received 2024-04-13
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 am lodging a complaint today to bring to your attention that I have been a victim of fraudulent activity. After conducting research on the proper procedure to address this issue, I discovered that I need to file an identity theft report with the Federal Trade Commission or visit https : //www.ftc.gov. Pursuant to FCRA Section 605b, Credit Reporting Agencies are mandated to remove any items listed on an identity theft report with reference number XXXX. Attached are documents to facilitate the removal of inquiries that have been erroneously posted to my report. Below is a list of items that were opened without my authorization : XXXX : XXXX XX/XX/XXXX -- -- -- -- -- -- XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. Per FCRA Section 605B ( a ), Credit Reporting Agencies are required to remove any information identified by the consumer as resulting from identity theft within four business days of receipt.
Consumer complaint received 2023-08-28
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 2022-09-03
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account 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 2023-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX