davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-18
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. (NJ)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions
Consumer complaint received 2023-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (AZ)

This dispute is being filed in regards to my numerous attempts to dispute, remove any/all discrepancies associated with this account from my credit report by said furnisher, LJ Ross . 
The following inaccuracies are listed below : - First and foremost I would like to point out the fact that the the original creditor of this account, which is an energy ( utility ) company is located in XXXX, XXXX. I have lived in Arizona ( over XXXX miles away ) for over two years now. So it is quite clear that this debt does not in any shape, form or fashion belong to me. 
-an evident inaccuracy you will see in the attachment below regarding this account is the fact that its only reporting to two out of the three credit bureaus. 
-Another clearly noticeable inaccuracy is the fact that both bureaus have two different dates on which this account " Last Reported '' ( XX/XX/2023 and XX/XX/2023 ) -.and last but not least two different dates on which the " Date Last Active '' is listed ( XX/XX/2023, XX/XX/2023 )
Consumer complaint received 2023-06-11
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I was declined by XXXX for a business credit card. I am logged onto my FICO and have a premier account shows all of my scores. 

Experian is reporting my credit score is XXXX. When checking all of data on my FICO score it shows current to date my credit score is XXXX. 

I made contact with Experian to have a copy of my Credit report sent to my home. However, I tried to pay for a copy of my FICO score and was denied access to the information. 

I want Experian to explain on this platform what is : Amount of credit utilization Serious deliquency -- -- -what is showing that is deliquency Proporation of balances to credit limits too high on bank revolving or other revolving accounts Proportion of loan balances amount is too high
Consumer complaint received 2020-06-17
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. (NY)

Since XX/XX/2018 I've been disputing a Unverified account that do not belong to me which is XXXX XXXX on my Credit Report with Experian, XXXX, and XXXX. I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) the Credit Bureaus have on file of the account. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Despite more than three written requests, the unverified account ( XXXX XXXX ) still remain on my credit report in violation of Federal Law. Experian, XXXX, and XXXX  are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of there investigations, they stated in writing that they verified that these items are being reported correctly? But Who verified these accounts? Experian, XXXX, and XXXX have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore Experian, XXXX, and XXXX have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA you are required to. Experian, XXXX, and XXXX  failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-11-28
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 XXXX  accounts listed below has violated my civil rights : XXXX ) XXXX Card Date opened : XX/XX/XXXX XXXX ) XXXX XXXX  XXXX Date opened XX/XX/XXXX XXXX ) XXXX XXXX Date Opened : XX/XX/XXXX XXXX ) XXXX XXXX Date Opened : XX/XX/XXXX XXXX ) XXXX XXXX XXXX  Date Opened : Jan 2021 15 U.S.C 1681section 602 A. States that I have the right to privacy.

15 U.S.C 1681section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2015-07-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (CA)

On XXXX/XXXX/2015, I submitted a dispute online with Equifax to update my credit report that I paid an original creditor in full on a collection listing showing on my credit report. I also sent a letter dated XXXX/XXXX/2015 informing them of the same information. I paid the original creditor, XXXX, on XXXX/XXXX/2015, in full in the amount of XXXX, confirmation number of the payment is XXXX. Upon checking status of my dispute on XXXX/XXXX/2015, Equifax has updated the collection listing to show that the collection amount was 'Paid/Closed ' through the collection agency. I did not pay the collection agency, XXXX XXXX XXXX, I paid the original creditor.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-10-22
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. (NM)

Trans Union and XXXX are not responding to any of my requests to investigate, verify and remove accounts from my consumer credit report that do not belong to me in accordance with The Fair Credit Reporting Act.
Consumer complaint received 2024-05-26
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)

Transunion alleged they verified the account XXXX but they have provided no documents or information for me to follow up with to validate this collection furthermore I have no obligation to pay a debt therefore they can not report this account because I didnt sign any documents that would require repayment. A court must rule that the debt collector has a judgement against me to be able to add it to my consumer report. What Transunion is doing is selling my information which is why they refuse to remove this account they make money by selling consumer data but they need my expressed or written consent for this service. Transunion commission file number XXXX and by their own sec filings they use consumers information only for profit which makes their decision to report this incorrect basis which is why they claim to have verified a collection that is impossible to verify when I never received any type of service or good from this business.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

As of XX/XX/year>, I disputed that XXXX had XXXX off my account and a balance remains on my credit report with Experian. I have received a XXXX from XXXX and for this charge off debt. It is my understanding that the balance would reflect {$0.00} when an account is listed as a charge off.
Consumer complaint received 2022-10-26
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. (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. 

Account name : XXXX # XXXX has violated my rights, Account name : XXXX XXXX XXXX # XXXX has violated my rights Account name : XXXX XXXX XXXX # XXXX has violated my rights Account name : XXXX # XXXX has violated my rights Account name : XXXXXXXX XXXX # XXXX has violated my rights Account name : DEPTEDXXXX # XXXX has violated my rights Account name XXXX DP OF EDUC  # XXXX has violated my rights Account name : DP OF EDUC # XXXX has violated my rights Account name : DP OF EDUC # XXXX has violated my rights Account name : DEPTEDXXXX # XXXX has violated my rights Account name : DP OF EDUC # XXXX has violated my rights Account name : DEPTEDXXXX # XXXX has violated my rights Account name : DEPTEDXXXX # XXXX has violated my rights Account name : DEPTEDXXXX # XXXX has violated my rights Account name : DEPTEDXXXX # XXXX has violated my rights Account name : DP OF EDUC # XXXX has violated my rights Account name : XXXX XXXXXXXX # XXXX has violated my rights Account XXXX : U S DEPT OF EDXXXX # XXXX has violated my rights Account name : U S DEPT OF EDXXXX # XXXX has violated my rights Account name : U S DEPT OF EDXXXX # XXXX has violated my rights Account name : U S DEPT OF EDXXXX # XXXX has violated my rights Account name : U S DEPT OF EDXXXX # XXXX has violated my rights Account name : XXXX XXXX  Bankruptcy # XXXX has violated my rights Account name : U.S. Bankruptcy Court # XXXX has violated my rights Account name : XXXX XXXX Bankruptcy # XXXX has violated my rights Account name : US BKPT CT NY 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 t
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I purchased the vehicle in 2018 XXXX XXXX hasn't been reporting the payments made to vehicle which will be paid off in XXXX it shows my loan is closed when it isn't. They sent me payment hisin which you can view online. I kept vehicle and didn't include it in a bankruptcy in order to build my credit back up but I'm unable because it's not being reported.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX and Transunion credit bureaus XX/XX/XXXX, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$1000.00}
Consumer complaint received 2017-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Rocket Mortgage, LLC (NC)

Quicken Loan ran a credit report 3 times against my approval. I informed all 3 credit bureaus in the past of any fraud of receiving my information without my permission and was to be cover for 3 mos or more. As far as the letter I received back from all 3 bureaus no one is supposed to run my credit without calling me first or my approval. It appears this has gone through and has lower my credit score even more. Please remove these inquiries from my credit history. Please DO NOT allow this to pass through again without proper notification.
Consumer complaint received 2022-09-08
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-04
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)

So I sent a letter off on XXXX XXXX, 2023. To remove personal information I don't want on my credit report. 
According to the fair credit reporting act 12 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is supposed to share my information with third party people.

These are clear violations of my federally protected consumer rights, Also 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 xxxxxxxxxxxx XXXX, has violated my rights. 
XXXX XXXXXXXX xxxxxxxxxxxx XXXX, has violated my rights. 
XXXX XXXX xxxxx XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX xxxxxxxxxxxx XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX XXXX has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
XXXXXXXX XXXX XXXXXXXX CARD XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX CARD XXXX, has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX  XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX  XXXX, has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX - TOTAL VISA XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX - TOTAL VISA XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX xxxxx 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 2023-02-01
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: Experian Information Solutions Inc. (NY)

All account, and bill are in good standing, and paid on time. It should not have been XXXX point drop due, to a opened credit card. XXXX, and XXXX, did not take the same action. In dropping my sore XXXX points. For the the reasons experian, has stated. That's 2 reporting agencies. There is a error that should be addressed. For the unjust XXXX point reduction.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. While I am understandably frustrated by this situation, I understand that errors can occur unintentionally. I trust that you will take the necessary actions to promptly correct this issue. I maintain detailed records of my payment history across all accounts, and it is inconceivable to me that there would be any instances of late payments reflected in these records. 

These incorrect late payment entries are negatively impacting my ability to obtain the credit I need, as they are significantly lowering my credit score. I have consulted with professionals who have confirmed that there are legal protections in place to prevent the dissemination of inaccurate credit information. 

I take this matter very seriously, and I kindly request the swift removal of the late payment designations from my account. 

Thank you for your attention to this matter. I eagerly await your prompt resolution.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There are several errors on my XXXX and TransUnion credit reports. on my XXXX XXXX ) XXXX XXXX acct # XXXX, XXXX ) XXXX XXXX XXXX  XXXX acct XXXX XXXX * XXXX. TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX 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 2023-06-15
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to formally notify you of explicit inaccuracies on my consumer report. Despite several attempts to have these corrected, Transunion has failed to uphold its obligation under the Fair Credit Reporting Act ( FCRA ), specifically Section 611, which requires you to conduct a reasonable investigation and correct any inaccuracies promptly.Despite my multiple attempts to notify Transunion of these inaccuracies, you continue to respond by stating that " the company that reported the information has certified to Transunion that the information is accurate. '' THIS IS A CLEAR FAILURE TO PERFORM YOUR OBLIGATIONS UNDER THE FCRA 611. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-03-04
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)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX