davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XXXX I sent a letter opting out of any and all authorization I the consumer may have given XXXX XXXX in a demand to have my personal, financial, public, and non private information removed from third party non affiliate companies and consumer reporting agencies per 15 USC 6802. 15 U.S. Code 6802 is about obligations regarding the disclosure of personal information. It states that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party 15 U.S. Code 6801 states that Congress has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. And Per 16 CFR 313.7 - Form of opt out notice to consumers 313.7 Form of opt out notice to consumers ; opt out methods. ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure ; I have submitted my opt out request even though the option was not clearly provided to me.
Consumer complaint received 2022-10-24
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-03-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (VA)

To Whom it May concern : I have sent multiple rounds of letters to your company requesting that your company please verify the accounts that are being reported on my credit report as delinquent. The first letter was sent out via certified mail XX/XX/2020 and was received XX/XX/2020. Your company has failed to provide me with any signed documentation with my signature, only a summary of a debt that your company claims that I owe.
Consumer complaint received 2024-04-01
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)

I looked at my report back on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ XXXX XXXXXXXX ] are not complete and accurate. 

[ XXXX XXXXXXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate.
Consumer complaint received 2022-12-06
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. (OH)

I have attached 3 accounts that are reporting errors and inaccuracies on my credit report and need to be fixed they are violating the FCRA and they are damaging my life please delete and also update my personal info
Consumer complaint received 2023-08-16
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. (NC)

To TRANSUNION ; " You are fully aware of the dates and reports that " you '' are reporting that I listed in my statement. I was clear about the reason as well. I will not repeat myself. I will not do your job for you, you are required to make sure your report is 100 percent accurate! I am not contracted with you, I did not give you any consent, written or verbal. You are in violation of the FTC, my UCC Financing statements, the lien I placed on my XXXX  in The XXXX XXXX XXXX in the legal section that is Authenticated by the NC Secretary of State, copyright infringement, Infring on a private trust, identity theft, securities fraud, extortion, conspiracy, defamation of character, Civil and American Constitutional rights violations.
Consumer complaint received 2023-06-23
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. (MD)

XXXX XXXX XXXX is reporting inaccurate information to XXXX, Experian, and XXXX about an institutional loan that I had with them. The loan was consolidated in XXXX with all of my federal loans. After consolidation, the loans went into period of forebearance and deferment where no payments were due. However, despite this, XXXX continued to report my loans late, resulting in delinquencies and negative credit reporting. The last delinquency was reported in XXXX. I have disputed this trade line with each of the credit reporting bureaus mentioned above but they simply respond back validating the data. I am requesting that this trade line be deleted from each of credit reports.
Consumer complaint received 2022-10-24
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. (TN)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX 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 2022-03-07
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: UNITED AUTO ACCEPTANCE (GA)

This company is reporting inaccurate and incorrect information to the consumer reporting agencies. I've made several attempts to resolve this issue with them. Sending out letters giving them notice of the inaccurate reporting and for them to fix the problem. Due to the incorrect information My family and I have suffered hardships and XXXX damage.
Consumer complaint received 2024-04-01
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)

It's important I don't have this account on my credit report because it doesn't belong to me and appears to be a scam. In order to correct these errors as quickly as possible kindly remove them to my credit report immediately.
Consumer complaint received 2023-08-16
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. (VA)

To Whom It May Concern, I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Please remove it from my credit report. 
4. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

8. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 9. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 10. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX
Consumer complaint received 2022-12-08
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. (PA)

Experian is not properly investigating my disputes they ignored my documents in which I sent my police report as well as my identity theft report stating that XXXX  XXXX on my credit report is not my account. This is illegal what they are doing. I also did not consent to this reporting. According to XXXX XXXX XXXX, they are violating my rights.
Consumer complaint received 2023-08-16
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. (VA)

THIS IS NOT A DUPLICATE! 

The credit bureaus stated that my file was properly investigated but how is this possible when my personal name and address is not correct. I have already attempted to correct the following issue with credit bureau. Incorrect names : XXXX XXXX ; XXXX XXXX, XXXX XXXX ; XXXX XXXX ; Incorrect address : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX Virginia XXXX ; XXXX XXXX XXXX XXXX, XXXX, Virginia, XXXX XXXX XXXX XXXX XXXX, Texas XXXX ; XXXX XXXX XXXX, XXXX, NJ XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, Texas XXXX This is grounds for removal they also violated my rights under 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 : States a consumer reporting agency agency can not furnish an account without my written instructions. Also the credit bureau took more than 30 days to complete my investigation.
Consumer complaint received 2023-08-16
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)

Please see the dates in the attachments where I have been trying to work with this Credit Bureau, and explain to them that I am a victim of identity theft and have been working diligently the past year to clean up the mess that is my credit. They have been unresponsive and continue to just send credit report after credit report to show it is still being accurately reported as an item of credit for myself. TransUnion keeps saying they can not and will not delete the remaining fraudulent accounts from my credit reports. Denying my claims and disputes, even though I have sent in proof of where I was living at the time of this card being opened without my permission, as well as my FTC report, police report, and my own written statement of the crime committed against me.
Consumer complaint received 2023-01-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (CA)

In XXXX Fay Servicing force-placed insurance on my mortgage account totaling almost {$7500.00} ( see attached ). This is due to an error in their system of my property address which was supposedly solved in XXXX with a prior CFPB complaint # XXXX ( see attached ). I also had to deal with this in 2021, which I was able to solve working with the XXXX 's office at Fay. I have always had and continue to have insurance on this property. I don't know what else to do considering that it continues to happen every 6 months. I am worried that at some point over the next 28 years of my mortgage I may miss these letters and end up with them taking back the property. Additionally I am beginning to wonder if this is not intentional because the interest rates increase with late payments in this loan. I don't know, but I am angry that I continue to deal with this problem and requesting it fixed once and for all.
Consumer complaint received 2017-12-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (NC)

I am concerned because I have been paying a monthly payment to XXXX XXXX XXXX to pay off a debt and they still put on my credit report showing as a collection. I thought as long as they are receiving a payment they ca n't add to my credit report. I want deleted off my credit report since I pay them monthly. I am in the process of purchasing a house and this has dropped my credit score tremedolous.
Consumer complaint received 2023-08-16
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. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Telephone : Date of Birth : XX/XX/XXXX SS # : XXXX I am writing to bring to your attention several egregious violations that have greatly impacted my financial well-being, as well as my emotional and mental state. I am seeking your assistance in addressing these violations and enforcing my legal rights under various consumer protection laws. The violations have led to inaccurate and damaging information on my credit report, severely hindering my ability to access fair credit and financial opportunities. 

Specifically, I have identified the following violations committed by various creditors : XXXX - Unauthorized Inquiry ( FCRA ) Date of inquiry : XX/XX/XXXX XXXX XXXX - Unauthorized Inquiry ( FCRA ) Date of inquiry : XX/XX/XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX - Multiple Violations ( FCRA, FDCPA, FACTA ) Account Numbers : [ List Account Numbers ] These creditors have engaged in improper reporting, including accounts involved in litigation, incorrect high balances, inaccurate dates of last activity, reaged accounts, reinsertion without proper notice, undated late payments, charge-offs listed as open, and collection accounts with limits. 
XXXX XXXX - Unauthorized Inquiry ( FCRA ) Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry ( FCRA ) Date of inquiry : XX/XX/XXXX Furthermore, these violations have not only resulted in financial hardship but have also taken a significant toll on my mental and emotional well-being. The constant stress, XXXX and frustration caused by these inaccuracies have affected my ability to focus on my work, strained my personal relationships, and even hindered my overall quality of life. 

In light of the above violations and the impact they have had on my life, I kindly request your intervention in enforcing my legal rights. I implore you to investigate these matters thoroughly and ensure that the creditors in question rectify their actions. Specifically, I request that they promptly remove the unverified and inaccurate accounts from my credit report, thereby enabling me to regain control of my financial standing and alleviate the emotional distress that has resulted from their actions. 

I deeply appreciate your attention to this matter and your commitment to upholding consumer rights. I look forward to a resolution that will allow me to move forward positively, both financially and emotionally. Please feel free to contact me at XXXX or XXXX for any further information or clarification you may require. 

Thank you for your understanding and assistance. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (OK)

Chase has  sent me   XXXX  c redit cards  (   Amazon Prime C hase credit card ) without me applying for them  :   XXXX   last y ear around   XX/XX/XXXX  and  XX/XX/XXXX and  XXXX  last month (    XXXX  2017 ).    I did not apply for any of the    XXXX    cards.   All  XXXX  times, I called Chase and was transferred to the fraud department. But I still got another card in the mail  ( new account number each time )  after the  XXXX  and  XXXX  cards and phone calls. Now Chase has issued me another card just last month.   I have never been an  Amazon Prime membe r and have never requested a credit card from Chase.
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2022, I requested that my personal information be updated/corrected on my consumer report by " EXPERIAN '' XXXX which they still continue to report addresses I can not receive mail or correspondence nor do I have access to any of these addresses. I have not received any information on this situation. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have the right to privacy. Not granting me my rights is in violation of 15 USC 1681 and all its subsections.
Consumer complaint received 2023-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

I saw charges to my card because my balance was above normal so when I went to review I say multiple charged dating back from XX/XX/2023 to XX/XX/2023. Certain charges were reversed and others were kept to my account now my bank is trying to force me to pay for these charges
Consumer complaint received 2022-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be updated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-16
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)

I am an identity theft victim. I am writing to dispute the following items in my credit report. Each of the accounts and transactions I disputed were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 



XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX  {$510.00} XXXX  XXXX Inquiry : XXXX XXXX, XXXX  XXXX XXXX  Reported : XXXX. XXXX, XXXX {$1700.00}