davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-01
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. (GA)

While removing all 3 credit records I have noticed countless errors in hard inquiries that I do not recognize. I have 3 Hard inquiries on Transunion, 7 on XXXX and possibly 4 on XXXX. The only accurate hard inquiry that should be on my report is from XX/XX/XXXX of XXXX This was my only authorized inquiry. Also none of the Hard inquiries match from all 3 reports. FCRA states that this information has to be 100 % accurate and it is several discrepancies within these inquiries that are being reported. Also the hard inquiry from XXXX XXXX is no longer my account and needs to be removed immediately since that account was removed from my report altogether.
Consumer complaint received 2023-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2023 my credit report showed an inquiry from XXXX XXXX XXXX XXXX XXXX ). I am unaware of any contract with this company & there has been no permissible purpose for this inquiry made clear to me. I am requesting full validation such as, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this inquiry accordingly & the remedy to the damages thereof.
Consumer complaint received 2023-06-14
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 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 2023-09-28
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)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$71.00} CHILD SUPPORT ENFORCEM XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-03-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIBANK, N.A. (FL)

lack of accommodations for dual XXXX XXXX  Title 22 CFR 51.1 and 51.2, 31 CFR 800.224, 31 CFR 800.253 - U.S. national. 12 CFR 1002.2 XXXX r ) ( z XXXX See attached credit discrimination letter.
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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. 

XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 finish 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 2022-11-02
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: EQUIFAX, INC. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax and XXXX must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to investigate and correct erroneous reporting in the file are listed on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00}
Consumer complaint received 2023-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (MD)

I implore you to take immediate action to update my account. I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault. This situation is causing me a great deal of XXXX and I kindly request that you address it promptly.
Consumer complaint received 2023-06-20
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. (GA)

According to the Family Educational Act of 1974 which states " educational institutions are NOT allowed to share information with third parties ''. Reporting agencies are 3rd parties
Consumer complaint received 2023-06-20
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. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account Number XXXX XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2023-03-14
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. (IN)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 6 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

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 2023-03-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OK)

I sent checks to mr.cooper, because they turned off the auto pay on the account. They cashed my checks, but didn't apply the funds to my account. I have called numerous times with people telling me they don't know what I'm talking about. I have sent emails with pictures of the checks, but have got no response from them. At this point I don't know what to do. They are taking my money, but saying I'm not making payments.
Consumer complaint received 2023-06-20
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. (AL)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX account XXXX XXXXXXXX, XXXX XXXX  account XXXX XXXX, XXXX XXXX account XXXX XXXXXXXX, XXXX XXXX account XXXX XXXXXXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-06-20
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. (TN)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2022-10-29
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: EQUIFAX, 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 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 2023-06-20
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. (TN)

I am very disturbed to find public records on my credit report without any apparent reason, and I can not tolerate this. I request you to eliminate these records and update my credit report accordingly.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have attached two accounts that are currently reporting inaccurate information to all three of my credit bureaus, I have highlighted the inaccuracies. Per the FCRA anything reported in my name has to report 100 % accurate information. Please delete these two accounts from all three of my credit bureaus.
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'M SUBMITTING ANOTHER COMPLIANT REGARDING ISSUES I HAVE WITH THESE ACCOUNTS REPORTING ON MY CREDIT REPORT.
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I SUBMITTED SEVERAL DISPUTES WITH ALL THREE CREDIT REPORTING AGENCIES IN XX/XX/2023 AND XX/XX/2023, I NEVER RECEIVED A REPONSE BACK FROM THE CREDITORS.
Consumer complaint received 2023-06-01
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. (WA)

XXXX XXXX XXXX This account is NOT MINE. I am a victim of Identity Theft. I have disputed this account with the credit bureaus and XXXX and the account has not been removed.
Consumer complaint received 2021-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NC)

Banana Republic solicited me to be a BR Card ( the Card ) user in XXXX. The BR Card is issued and managed by the Synchrony Financial. Synchrony Financial is a consumer financial services company headquartered in XXXX, Connecticut, United States. 

Subsequently I set up an online bill pay from XXXX  XXXX XXXX with the intention to pay off the account balance every month automatically. I have not used the Card since late XXXX and during the entire COVID period. I saw an automatic email from XXXX XXXX XXXX showing I was sending an auto-payment of {$78.00} to the Card on XX/XX/XXXX. This prompted me to review the account history. To my shocking disbelief that I have been paying the Card {$70.00} to {$90.00} a month every month since XXXX. The total amount of interest I have paid to the Synchrony is around {$5000.00}, far surpassing the charges I have ever incurred on the card mainly from using it in Banana Republic Stores. 

I subsequently made phone call to the Card and was greeted with disgruntled employees based in XXXX and XXXX with minimum training of US customer protection regulations and rules. A few subsequent calls exploring if anything can be done to rectify the situation given the obvious " mistake '' and such payment pattern doesn't fit the customer profile have been met with nonchalant attitude. A brief conversation with customer service around potential interest adjustment on the ground of COVID relief has been met with cold response. All conversations with the Synchrony employees were unproductive and the company 's attitude towards regulators when brought up by me was dismissive. In a subsequent conversation with XXXX credit card services, its employee suggested such behavior from Synchrony is " shady ''. 

Synchrony Card has charged me 25 % interest and pushed the minimum principle payment to < {$25.00} so that the company can make this " unnecessary debt '' outstanding for 12 years to collect thousands of dollars of interest. Additionally I have not received a single " paper '' statement in my mailbox for years. I have a habit of verifying what I am paying on a regular basis, this would have been caught by me easily if the paper statement has been delivered to me. 

This interest charging and letting customer paying absurd minimum balance for the client who is qualified for {$15000.00} credit limit is borderline fraudulent practice and predatory to the particular segment of customer base ( >750 credit score with sufficient financial resource to payoff {$2000.00} principle ). 

This is the only credit card I have ever had any problems, this is verifiable with all credit cards I have owned.
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I reached out to the department of Education back in XX/XX/XXXX I was told if I submit documentation that I was having extreme financial difficulties to send in my paperwork and they would remove the late payment from XX/XX/XXXX. I sent all the necessary paper work and a letter to explain I was having a XXXX XXXX XXXX  during XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was back and forth in the emergency room because they had no idea what was wrong with me. In XX/XX/XXXX my XXXX XXXX  were in a terrible car accident my youngest XXXX  almost lost her XXXX  and needed XXXX  XXXX. I explained this to them I sent in my XXXX XXXX XXXX and a copy of the accident with my XXXX  names listed and copies of their birth certificate as proof I was their XXXX. The department of education still refused to remove the late payment from XX/XX/XXXX. 
I also sent a dispute letter to Transunion, XXXX and XXXX for the following violations : 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! 
MY RIGHTS HAVE BEEN VIOLATED! FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer report which CONGRESS clearly states IS NOT to be included on my CONSUMER REPORTS.
Consumer complaint received 2021-08-12
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: ALLY FINANCIAL INC. (OH)

My credit report shows multiple hard inquiries on XX/XX/2021 for auto financing. I did NOT authorize any of these banks to run my credit. I am suspicious that a car dealership illegally sent my information to these banks without my consent and attempted identity fraud. Regardless, I have no knowledge of any application sent to the banks and did not apply for credit with any of the banks. Below is a list of inquiries from XX/XX/2021 on my XXXX  credit report. 

XXXX XXXX XXXX XXXX XXXX - XXXX applications on same day! 
XXXX XXXX XXXX Ally Financial Below is a list of inquiries from XX/XX/2021 on my XXXX  and XXXX  credit report. 
XXXX  XXXX Ally Financial
Consumer complaint received 2021-05-07
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. (CA)

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.
Consumer complaint received 2024-03-28
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'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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX