davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-23
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: Experian Information Solutions Inc. (MI)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Delete From My CREDIT REPORT 4. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.

8. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

9. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-04-03
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. (NY)

Dear Sir or Madam, I am writing to formally dispute an unauthorized hard inquiry on my credit report. Upon reviewing my credit report, I identified a hard inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, that I did not authorize. This inquiry has potentially impacted my credit score, and I believe it to be incorrect or fraudulent. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that TransUnion investigate this inquiry and remove it from my credit report if it is found to be unauthorized or inaccurately reported. 

Details of the Disputed Inquiry : Inquiring Organization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not recall authorizing this inquiry and have not engaged in any financial transactions that would warrant a hard credit pull from the aforementioned organization. To the best of my knowledge, this inquiry is a mistake or a result of fraudulent activity. 

Enclosed, please find copies of documents that support my claim. 

I kindly request a prompt investigation into this matter. According to the FCRA, you are obligated to complete this investigation within 30 days of receiving my letter. If this inquiry can not be verified as authorized by me, please remove it from my credit report and send me a written confirmation of the removal. 

Thank you for your immediate attention to this matter. Please do not hesitate to contact me if you require further information or clarification that may assist in the resolution of this dispute. 

Sincerely,
Consumer complaint received 2022-12-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is my 6th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX 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 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$190.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$440.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$740.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$620.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$440.00} ; XXXX XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXXXXXX Balance XXXX {$1200.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$270.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-24
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. (FL)

I am contacting you ONCE AGAIN about the compromising of my social security number and personal information. I am the victim of Identity theft and I am writing to REQUEST an identity BLOCK of items on my credit report that are not mine which resulted from the crime. Please BLOCK the following fraudulently created information from appearing in my credit report included in this letter. These companies are in violation of 18 U.S. Code 1028A. I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

* 15 USC 1681 section 602 A states I have the right to privacy.

* 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. 
Also, they aren't even in compliance with Metro 2 credit reporting.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2024 I contacted TransUnion to inquire about 6 employers showing on my consumer file that Im not associated with. TransUnion indicated they received this information from another 3rd party reporting agency and they cant remove those employers. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (OH)

I Have no knowledge of this account, but it is being reported on my credit report. 

Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation!
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

this has to do with XXXX account, wrote verification letter sent me a shady statement and didn't have correct information. and asked for signed contract but didn't provide signed contract. please remove from credit.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have been trying since XX/XX/XXXX to dispute a XXXX which turns into XXXX  for collections on my credit file. I have never heard correspondence from Transunion or XXXX about validation of debt and they continue to dispute this incorrectly. I have contact XXXX, because XXXX is so old it was bought out by another carrier years ago. XXXX even said they can not validate the debt because XXXX  is no longer in business. This account is from early XXXX. I know this because that is when I cancelled services with them. Transunion and XXXX have been nothing but rude and unwilling to fix the incorrect reporting on my credit file. Even the collection agency stated this should not be on my credit report anymore but said I must dispute through Transunion and XXXX.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (PA)

I have been trying since XX/XX/XXXX to dispute a XXXX which turns into XXXX  for collections on my credit file. I have never heard correspondence from XXXX or Experian about validation of debt and they continue to dispute this incorrectly. I have contact XXXX, because XXXX is so old it was bought out by another carrier years ago. XXXX even said they can not validate the debt because XXXX  is no longer in business. This account is from early XXXX. I know this because that is when I cancelled services with them. XXXX and Experian have been nothing but rude and unwilling to fix the incorrect reporting on my credit file. Even the collection agency stated this should not be on my credit report anymore but said I must dispute through XXXX and Experian.
Consumer complaint received 2024-04-05
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. (IN)

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 
I haven't been doing any car shopping, The only inquiries that should be on my credit report are XXXX XXXX or XXXX XXXX. I have no ties or dealings with all other companies running my credit whether it's for financial or promotional. The following inquiries are not authorized, again PLEASE SEND ME MY WRITTEN SIGNATURE where I authorized my credit to be ran. 
The following inquiries need to be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which was ran twice ), XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX
Consumer complaint received 2023-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: KEYCORP (OH)

This issue started in XXXX of this year, I received calls saying that my account was past due, when trying to reconcile what payments were not credited to my account, it was discovered that a XXXX, XXXX and at that time XXXX and XXXX payments were not reflected in my account as being posted. When I asked to open a claim to investigate the missing payments the supervisor would not open a claim, would not provide a way for me to contact the bank to open the claim, and was extremely rude and said he would have someone from their corporate office contact me which never happened. I then received another call mid XXXX with the same information again my account is past due XXXX, however at this point there was a total of XXXX of payments that were not posted to my account. This time I was provided an email address to send evidence of payments from my bank. I provided the information via email but did get a credit monitoring alert that they had reported me as 30 days past due. I have never had a late payment since the account was opened and always pay much more than the minimum payment due amount. I filed a dispute with the reporting agency as well as provided to the same email address that my credit score had been impacted by XXXX points due to this issue. Which on both calls I mentioned that since these missing payments were in dispute that I wouldnt expect negative reporting until this matter is resolved. That did not happen!
Consumer complaint received 2017-05-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: American Payment Holdco, Inc. (CA)

I made a bill pay at  XXXX  in  XXXX  using "   XXXX   XXXX   XXXX   on  XXXX / XXXX / XXXX  with the NEXT DAY delivery  1st  billpay was to   XXXX   XXXX   XXXX   ending with the last  XXXX  digits  XXXX  - amount of {$1900.00}  2nd  billpay was to   XXXX   XXXX   XXXX   ending with the last  XXXX  digits  XXXX  - amount of {$1900.00} None of the payments were delivered. I paid for the next day delivery, should have be delivered by  XXXX / XXXX / XXXX  - almost {$4000.00} and my   XXXX   XXXX   XXXX   were not paid at all!!!! I have called  XXXX  on  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX  and they keep saying they have problems with their system and they do n't know how long it takes to have the money received by  XXXX . I consider this as very unreliable service and im requesting investigation or have the payments posted asap. My payments are due and {$4000.00} is a very large sum for  XXXX  to keep for weeks or month s. My credit score  is gon na be affected because my payments are late now.
Consumer complaint received 2024-04-03
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)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2023-08-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX capital one I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2024-04-03
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. (CA)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-28
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. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

XXXX XXXX XXXX  _ {$770.00} XXXX XXXX XXXX  _ {$1100.00} XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2018-10-18
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC. (NJ)

I have student loans through Navient from when I attended and graduated from XXXX University. My mother was my co-signer. In XX/XX/XXXX, my mother sadly passed away. My loans are in good standing and I have always paid on time. Navient is trying to take the full amount paid on the loans approximately {$27000.00} from my mothers Estate. I have made every attempt to continue to pay my loans. I am a survivor of XXXX  XXXX and a single mom of XXXX young boys. I recently fled my home in XXXX XXXX to come to hide in NJ from my abusive husband on XX/XX/2018. I can not afford to give them all of my mothers estate as I need it to live. I will continue to pay my loans as promised and on time. Please help.
Consumer complaint received 2023-06-04
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: VW Credit, Inc (CA)

I was looking at my Volkswagon statement and I noticed some inaccuracies. I do not believe I owe this debt. 

I sent a debt validation letter to VW Credit pursuant to 12 CFR 1006.34 to validate the alleged debt. 

I am writing to you to document the letter being sent. 

I have attached the debt validation letter, and certified mail number below.
Consumer complaint received 2021-04-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I understand the need to limit some accounts to review for potential risks and I'm familiar with the User Agreement and I strongly believe that I have not violated any policy or law. the account limitation didn't give me a fair opportunity to explain my business model or provide adequate file space to upload all the documents that were requested. in order to fairly review my account, PayPal should inspect the 'Supplier invoices ' and the Contract between me and the supplier for reselling and distributing the supplier 's products, and because the limitation page didn't provide sufficient space I didn't upload the Contract. ( I messaged the customer service because it was an error when I tried to upload the documents ) YOU CAN CHECK THE MESSAGES.

I'm happy to provide any further documents or perform any steps if required.

If " risk '' is still a concern, then feel free to place a fixed or proportional amount of sales in the " reserve account '' if you believe this provides the assurance you need.

My email linked to my PayPal account is XXXX XXXX