davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-10
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. (IL)

I did not give the creditors authorization to pull my credit report. 

In accordance with the Fair Credit Reporting Act. The inquiries listed below have violated my federally protected consumer rights under 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of Under the provisions of the Fair Credit Reporting Act ( FCRA ), I demand that the following items in my credit report be removed : Inquiries : XXXX XXXX XX/XX/23 XXXX XXXX XX/XX/23 XXXX XXXXXX/XX/23
Consumer complaint received 2021-01-19
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. (NY)

My identity was used by someone else to open fraudulent inquiries. This has resulted in the following ; XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX I am seeking to have the FRAUDULENT inquiries removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Consumer complaint received 2023-11-10
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX Date Opened : XX/XX/XXXX Phone ( XXXX ) XXXX Credit Card Balance {$250.00} XXXX XXXX Date Opened : XX/XX/XXXX Phone ( XXXX ) XXXX Commercial Installment Loan Balance {$7100.00} XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Phone ( XXXX ) XXXX Collection Agency Attorney Balance {$2100.00} XXXX XXXX Date Opened : XX/XX/XXXX Phone ( XXXX ) XXXX Factoring Company Account Balance {$950.00} have violated my rights.

15 USC 1681 Section 602 A states I have the right to privacy 15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-09-05
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, tx XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-09-05
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)

I appreciate you making the effort to remove some of the data on my credit report, but there are still items that need to be fixed/updated. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

According to FCRA 605B ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. 

My information was apart of the XXXX data breach there are accounts, name, addresses, and inquiries that I did authorize.
Consumer complaint received 2024-05-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CA)

Funds were supposedly transferred into my account by a XXXX purchaser of my XXXX knife set. I also had an {$800.00} balance with Venmo from a transaction a year ago that I did not know I had received. I requested the funds transfer to my bank a week ago. 
All I've received is XXXX XXXX  excuse after another as to why the transfer can not be made. 
I'm beginning to suspect a fraudulent scam.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that these items were 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 need to be investigated and corrected for 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
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (VA)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-08-10
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: EQUIFAX, INC. (MA)

Equifax mortgage services. They have never had my permission to run any credit check. They did one on XX/XX/XXXX of XXXX and another one on XX/XX/XXXX of XXXX. 
I applied for a XXXX through XXXX XXXX in XXXX of XXXX and again in either late XXXX of XXXX or the beginning of this month which is XXXX of XXXX. 

To do a hard inquiry on my credit report is fraudulent! It's their credit report that it's showing on it's their mortgage company or service. 

That's actually identity theft. Because that part of Equifax used my social security number my name my birth date they had to do that in order to do a hard inquiry and I did not give authorization nor have I even talked to them I've been approved through XXXX XXXX  since XXXX. 

Those hard inquiries must be removed immediately! 

I am filing fraud on all my credit reports and I'm going to make a police report that they stole my identity. 

I had my identity stolen on XXXX as a veteran in XXXX I do not expect my credit reporting agencies to do the same thing. 

Thank you for your time and I look forward to getting this resolved I'm in the middle of trying to get credit for everything and that's not good their hard inquiries and they sit there forever.
Consumer complaint received 2022-12-07
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. (VA)

Reference : XXXX On XX/XX/2022 I received ( 3 ) emails stating disputes have been resolved or updated information has been correct. Each time I go to the account to review the updates of my existing complaint the record can not be accessed. Please see attached screenprint of the issue.
Consumer complaint received 2020-12-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (MO)

" TrueAccord '' emailed my ex-wife, whom I have been separated from for over eight years regarding a debt that I do not owe. My ex-wife sent screenshots of the email on XXXX XX/XX/XXXX. This was the first time I have been contacted regarding this debt. 

I contacted the company promptly on XXXX XX/XX/XXXX, and they would not speak to me unless I gave them my phone number. I reluctantly gave the operator my phone number, and then she stated that she " could not verify that phone number. '' The number I gave her, my current phone number has been used by me for over three years. Since she could not verify my phone number, she then tried to get me, " verify my address, '' and I refused. The operator would not give me any information, other than agreeing to, " removing us from the contact list. '' The email my ex-wife received states, " This was originally a check written to the XXXX XXXX. This check was presented for payment but dishonored by the bank. XXXX XXXX XXXX, XXXX purchased this debt and has hired our company, TrueAccord to collect the balance due of {$60.00}, plus a returned check fee of {$25.00}. '' I have not used checks in stores since around XXXX. I do not have any outstanding debts that I owe to any businesses. TrueAccord was attempting to fraudulently make pay/responsible for a fake debt.
Consumer complaint received 2023-09-05
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: EQUIFAX, INC. (CA)

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : XXXX XXXX CARD SERVICES XXXX and XXXX  - CARD SERVICE XXXX
Consumer complaint received 2023-08-10
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. (TX)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Original Creditor XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-21
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC. (NJ)

In XXXX, SoFi Invest sold {$25.00} dollars of my assets to cover a {$25.00} inactivity fee. They say I did not login to my account for 6 months. This is nonsense. I never agreed to this fee, and if I did not login to my account, as they say, then I never logged in to accept any changes to the fee schedule on my account. 
SoFi should remove the fee and credit back my account the {$25.00}.
Consumer complaint received 2024-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LJ Ross Associates (TX)

I CHALLEGED THE ACCURACY OF LJ ROSS ASSOCIATES BEING REPORTED ON MY CREDIT REPORT. THE ORIGINAL CREDITOR IS BASED IN OHIO. i AM A XXXX  RESIDENT & I AM A VITCIM OF IDENTIY THEFT. UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS.
Consumer complaint received 2023-08-10
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. (NY)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXXXXXX
Consumer complaint received 2023-08-10
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. (GA)

I request the credit report agency to investigate the false collection. They reported back to me stating that its accurate. I did thorough research, and this account is inaccurate. 
XXXX XXXX XXXX. XXXX, XXXX Account XXXX Original Amount Owed {$2000.00} In accordance with the fair credit report act XXXX Account XXXX, has violated my rights. 
15 U.S. Code 1681- Congressional findings and Statement of purpose. It also states a consumer reporting agency can not furnish account without my written instruction.
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: Experian Information Solutions Inc. (FL)

alot of information on my credit report is incorrect. please delete the information to correct my file. the credit report is not reporting 100 % accurate information. it is hindering my file. I am interested into update an clear all invalid information on my credit report with Experian.
Consumer complaint received 2023-12-08
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. (PA)

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report.

I did not authorize these inquiries. 

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 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found univariable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I requests to know all the steps your agency took insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure.
Consumer complaint received 2018-06-15
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (PA)

My HECM reverse mortgage was a lump sum distribution at closing. There was never a Line of Credit ( LOC ). However, XXXX XXXX is showing a balance of $ 700+ as Line of Credit Balance. I have called them four times and spoke first on XX/XX/XXXX with XXXX, on XX/XX/XXXX with XXXX, on XX/XX/XXXX with XXXX and on XX/XX/XXXX with " XXXX ''. No last names were provided. They did name their manager as XXXX XXXX but would not connect me. I have explained the problem and they keep saying someone will get back to me. 

I may be selling my home and until this is corrected on the mortgage statement, I will be stuck paying the $ 700+ which I never got! 

Please help me. Phone : mobile XXXX. Email : XXXX Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX
Consumer complaint received 2021-01-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (WI)

I lived in XXXX XXXX XXXX  from XXXX XXXX XXXX in XXXX XXXXXXXX. Then I moved to XXXXXXXX  for my new job. 

Before I moved, I had checked my XXXX XXXX account to see if I owe anything or to if I could even get my deposit back and it said XXXX balance and it still does. ( See Attachment 1 ) However, 1 year after I moved from there, I received a notification from the credit bureau that I a collection agency called IQ DATA INT had reported an unpaid debt which I was never aware nor notified. 

The property management had all the necessary information to communicate the debt to me but they didn`t. ( Please see the attached document from the property management`s website ) .The collection agency IQ DATA INT didn`t communicate to me either.
Consumer complaint received 2023-05-16
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: EQUIFAX, INC. (TX)

In accordance with the Fair Reporting Act, this credit reporting agency has violated my rights under 15 USC 1681 Section 602 I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor can not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-08-10
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 the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You 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, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX, XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX & XXXX - XXXX XXXX XXXX
Consumer complaint received 2023-06-09
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: Innovate Managed Holdings, LLC (NY)

Hello Good day, I am writing to dispute the following items on my credit report. I have circled the items in dispute To remove all INQUIRIES Off my credit report because it was done fraudulently & this in accurate information on my report thats affecting my score
Consumer complaint received 2023-08-10
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX Balance Owed : {$3800.00} ; XXXX XXXXXXXX Owed : XXXX.