davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-03
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. (FL)

went to a dealership to get a car and dealership ran my credit report with other companies instead of just their company like they told me they were going to do causing me to have all these hard inquiries
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)

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 Account XXXX has violated my rights. Or a list of inquiries : 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 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. Experian is by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because of these violations. According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. Also according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. These are clear violations of my federally protected consumer rights. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-22
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: Experian Information Solutions Inc. (NM)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-03
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. (TX)

I sent an Identity Dispute letter to Experian and it was received on XX/XX/2022 for my address and personal information to corrected and removed. It is still there. I sent the letter certified and the tracking number and letter is included in this complaint.
Consumer complaint received 2022-11-03
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. (IN)

This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with original creditor and promised me to update it out of my report.
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I have sent several disputes requesting my personal information be updated to the most accurate and up to date information but old address and other names still remain on my credit report. XXXX, Equifax, and XXXX have failed to update my personal to only one address, one phone number, one name, and one employer. Correct information should be listed as : Name - XXXX XXXX Address - XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, FL XXXX Phone Number - XXXX Employer XXXX XXXX
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent several disputes requesting my personal information be updated to the most accurate and up to date information but old address and other names still remain on my credit report. Transunion, XXXX, and XXXX have failed to update my personal to only one address, one phone number, one name, and one employer. Correct information should be listed as : Name - XXXX XXXX Address - XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, FL XXXX Phone Number - XXXX Employer XXXX XXXX
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I DID NOT AUTHORIZE ANYONE EMPLOYED BY THESE COMPANIES TO MAKE ANY INQUIRY AND VIEW MY CREDIT REPORT. IN ADDITION I DID NOT GIVE YOU TRANSUNION PERMISSION TO FURNISH THIS INFORMATION ONTO MY CREDIT REPORT. THIS IS A VIOLATION OF THE CREDIT REPORTING ACT SECTION 1681B ( C ) WHICH CONSTITUTES AS FRAUDULENT ACTIVITY AND IS ALSO A SERIUOS BREACH OF MY PRIVACY RIGHTS.
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

on XX/XX/XXXX i applied for a bank of America XXXX  XXXX XXXX as OFFERD to me by the company 's email as I am a customer for almost XXXX years. After being Denied which I received a letter about the REVIEW of the application which DOES NOT GIVE FULL DICLOSURE. I have REQUESTED a COPY OF THE FEDERAL TRUTH IN LENDING DISCLOSURE STATEMENT WITH THE LISTING FACTORS AND DECIDING FACTORS FOR THE CONSUMER CREDIT TRANSACTION, AND DENIAL OF MY CREDIT, WHICH SHOULD BE AVAILABLE UPON REQUEST per the FTC and CCPA. B of A is in violation of Title15 USC sub section 1611, Title 12 USC sub section 411 and HJR-192. They are refusing to give FULL DISCLOSURE and are involving a Third party without Consent XXXX Is Involved In A DATA BREECH LAWSUIT since XXXX and B of A is under XXXX  XXXX since XX/XX/XXXX XXXX
Consumer complaint received 2022-11-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: REGIONS FINANCIAL CORPORATION (FL)

I am a Regions Bank customer ; I was regularly receiving emails about opening a personal line of credit. The emails said I was approved for the line of credit, it was only a matter of how much they would lend me. I applied for the line of credit one day, the representative told me in a couple of hours I was approved for {$10000.00} and what account would I like the money deposited to the next day. The next day came, nothing was happening. I called and nobody at Regions Bank had an answer. Finally, after a few days a supervisor of the personal loan department said the person I spoke to had made a mistake and that certain credit cards would need to be paid off with the money. I declined to do this. A few months went by, and I inquired again. I went over what happened before, submitted an application, went to the bank branch to sign the paperwork. This time I was denied credit saying I had too much debt to get a personal line of credit. I called the branch manager to say the ad looks like it is a matter of how much money they will loan as I am Pre-Approved. She never got back to me. Now my credit score is lower because of two credit inquiries and I have no money to restructure my debt. The emails are deceptive from Regions Bank is the basis of my complaint. They say you are pre-approved when you are not really. An XXXX does not absolve Regions Bank of the deception in the tone of the email advertisement. It is fraud.
Consumer complaint received 2022-12-05
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. (NV)

This is my second 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 me or any transactions I've done or authorized to gain products, services, or money. 

Please remove the following : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXXXXXX XXXX Balance : {$770.00} XXXX XXXXXX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I appreciate if your taking the time to CORRECT some of the information in my credit file ; I discover, there are still other account that need to be UPDATED. The TransUnion credit bureau must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. I've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or update the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX XXXX XXXX  Date Opened : XX/XX/2020 Balance : {$5400.00}
Consumer complaint received 2022-11-04
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: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Repprting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 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 2022-11-04
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 found out that credit reporting agencies still indicate my dispute of information in my credit report. Asof todays date, 3 credit bureaus have not responded to my dispute. According to the Fair CreditReporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check thepayment history, date open, last activity, and Status of the listed accounts which I believe were reportedin error. 
XXXXXXXX XXXX XXXX XXXX  Balance : {$260.00} ; XXXX XXXX XXXX  Balance : {$280.00} ; XXXX/DEPT OF ED XXXXXXXX XXXX XXXXXXXX : {$3700.00} ; XXXX/DEPT OF ED XXXXXXXX XXXX  Balance : {$6900.00}
Consumer complaint received 2022-12-05
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. (NV)

This is my second 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 me or any transactions I've done or authorized to gain products, services, or money. 

Please remove the following : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5000.00} XXXX XXXX XXXXXXXX Balance : {$770.00} XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-04
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)

When I reviewed my credit report, I discovered that some of the accounts was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$4800.00} ; XXXX XXXX  XXXX Balance : {$4100.00}
Consumer complaint received 2022-11-03
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. (MI)

I have tried multiple times to get the inaccurate, false and misleading information off of my consumer report. I have requested proof of all reinvestigations and as of XX/XX/2022, I have not received this information that XXXX claims these accounts are verified or any proof of these alleged debts. Pursuant 15 USC 1681c the requirements for having collections accounts, charge-offs and any other adverse action on my consumer report is unlawful and are to be removed. It states accounts placed for collection or charged to profit and loss which ANTEDATE the report by more than 7 years are to be excluded from a consumer report, 15 USC 1681c ( a ) ( 4 ) and any other adverse item of information other than records of convictions of crimes which ANTEDATES the report by more than seven years and to be removed from consumer report, 15 USC 1681c ( a ) ( 5 ) I have attached the letter that was sent to XXXX and I have yet to get any notification. Further XXXX XXXX XXXX updated my file to a cease and desist for this collections account complaint # XXXX, and as of XX/XX/2022, this information has not been removed from my consumer report. 
XXXX has repeatedly ignored all of my letters and demands. Because of the inaccurate, false and misleading information on my consumer report, I have not been able to get a place to live, and unable to extend my credit as this is my federally protected rights.
Consumer complaint received 2022-11-03
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. (MI)

I have tried multiple times to get the inaccurate, false and misleading information off of my consumer report. I have requested proof of all reinvestigations and as of XX/XX/2022, I have not received this information that XXXX claims these accounts are verified or any proof of these alleged debts. Pursuant 15 USC 1681c the requirements for having collections accounts, charge-offs and any other adverse action on my consumer report is unlawful and are to be removed. It states accounts placed for collection or charged to profit and loss which ANTEDATE the report by more than 7 years are to be excluded from a consumer report, 15 USC 1681c ( a ) ( 4 ) and any other adverse item of information other than records of convictions of crimes which ANTEDATES the report by more than seven years and to be removed from consumer report, 15 USC 1681c ( a ) ( 5 ) I have attached the letter that was sent to XXXX and I have yet to get any notification. Further XXXX XXXX XXXX updated my file to a cease and desist for this collections account complaint # XXXX, and as of XX/XX/2022, this information has not been removed from my consumer report. 
XXXX has repeatedly ignored all of my letters and demands. Because of the inaccurate, false and misleading information on my consumer report, I have not been able to get a place to live, and unable to extend my credit as this is my federally protected rights.
Consumer complaint received 2022-11-03
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)

My student loans are being reported late and XXXX has sent XXXX notifications since XXXX that youre reporting is incorrect and you have yet to fix it. 

XXXX Credit Card has also sent you a notification to remove a late payment from XX/XX/2021. 

The other credit reporting agencies have already addressed both of these issues and you have failed to update my credit report to be accurate as required by the FCRA
Consumer complaint received 2022-11-03
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. (FL)

I recently pulled my reports and noticed you are reporting the incorrect high balance, incorrect date of last activity, and incorrect payment history for account ( XXXX XXXX XXXX XXXXXXXX ). Because the high balance, date of last activity, and payment history being reported by your company, XXXX, and XXXX are different, this means that the account has not been properly verified. You are in direct violation of my FCRA rights of my credit report being XXXX XXXX accurate, the information is coming from the same data furnisher, therefore all the information being reported should be the same across the board. Please delete this account immediately!
Consumer complaint received 2022-12-05
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: EQUIFAX, INC. (MD)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.