davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hey hope all is well I ask the Credit Bureaus Transunion, XXXX and XXXX to do and verification on everything on my credit report and they did they stated that everything was accurate. I did my own research and I seen that I had Three accounts on my credit report being reported inaccurately I never ever opened an account with these XXXX Accounts : XXXX financial Transunion account XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX The three accounts are being reported on my credit report inaccurately and I all I ask is that the Three credit bureau removed these accounts please and thanks. 


In accordance with the Fair Credit Reporting act XXXX Accounts, 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 2023-11-11
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. (GA)

I am writing to formally dispute and request the removal of unauthorized inquiries from my credit report. Upon reviewing my credit report, I noticed the presence of inquiries that I did not authorize or initiate. I understand that my credit report should only include inquiries that I have explicitly consented to, and any unauthorized inquiries may negatively impact my credit score.

Below are list of unauthorized inquires that need to immediately be removed 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 I am well aware of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. According to these statutes, I have the right to dispute inaccurate or unauthorized information on my credit report. I kindly request that you investigate the aforementioned unauthorized inquiries promptly and remove them from my credit report as per the following legal provisions : Fair Credit Reporting Act ( FCRA ) : Section 609 ( a ) ( 1 ) : Requires that consumer reporting agencies provide consumers with a copy of their credit report upon request.

Section 611 ( a ) ( 1 ) ( A ) : Grants consumers the right to dispute inaccurate information on their credit reports.

Section 611 ( a ) ( 2 ) : Mandates prompt investigation of disputed items by the credit reporting agency.

Fair and Accurate Credit Transactions Act ( FACTA ) : Section 113 : Prohibits the inclusion of unauthorized inquiries on a consumer 's credit report.

Consumer Financial Protection Act ( CFPA ) : Prohibits unfair, deceptive, or abusive acts or practices related to consumer financial products or services.

I kindly request that you provide a written response within the statutory timeframe acknowledging the receipt of this dispute and detailing the results of your investigation. If the inquiries are indeed unauthorized, I expect them to be promptly removed from my credit report.

Please send all correspondence related to this matter to the address listed
Consumer complaint received 2022-10-20
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX 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 2022-10-20
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. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-06-20
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. (SC)

I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please see below regarding XXXX XXXX XXXX Acct # XXXX : According to the IRS, when creditors cancel debts, they are required to report the canceled amount if it is over {$600.00} to the IRS using Form 1099-C cancellation of debt. The charged-off/cancelled deb on this account is over {$600.00} ( {$3000.00} ) and no 1099-C form has been issued. Once this debt was cancelled, I should have received a 1099-C form in order to report it on my taxes as income. This should not be on my credit report.
Consumer complaint received 2022-10-20
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: NAVY FEDERAL CREDIT UNION (TX)

Navy Federal Credit Union states in their " Important Disclosures '' that Navy Federal does not share personal information about their customers with nonaffiliates. I am opting out of ALL sharing to non affiliated third parties and they need to remove my personal information from all credit reporting agencies asap. There is no law that say they MUST report my personal information and I, the consumer, have a right to privacy according to the Privacy Act of 1974.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

I requested removal of an account that is over XXXX XXXX XXXX. They have refused to do so. They went as far as changing the closing date and the information that XXXX XXXX XXXX XXXX has in their files. XXXX XXXX XXXX XXXX is the credit grantor. What they have and refuse to correct is incorrect unverified information. Experian has for years shown incorrectly that the account was closed in XXXX of XXXX. Which is absolutely not true. This account was opened back in XXXX XXXX XXXX and should have been removed in XXXX. I requested that Experian under the FCRA Rules remove this account immediately due to its years of not truthfully verifying it as falsely stated for years. Continue to list it as negative when actually it should have been removed. Under FCRA If you ask a credit reporting agency to remove something. If it is not verified correctly, they're supposed to remove it. They have not done that after numerous complaints. Even after telling them that the information is incorrect according to XXXX XXXX XXXX XXXX they've still refuse to remove it. It is very obvious that they have never contacted XXXX XXXX XXXX XXXX for proper verification. The most recent unverified letter I received from experian was today on XX/XX/XXXX XXXX
Consumer complaint received 2023-06-19
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. (MI)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U. S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (PA)

I purchased a {$100.00} XXXX gift card from XXXX XXXX stores on XX/XX/XXXX receipt saved ). 

On XX/XX/XXXX, with the card still in its original packaging, we went to use it at a XXXX XXXX. We were told that there was only {$1.00} left on the card. Since we have not used the card and the card was in its original package, we immediately went online to look into the matter. 

We found out that the gift card ( see printout ) that the card was used for 4 separate orders for XXXX purchases dated between XX/XX/XXXX and XX/XX/XXXX totaling {$98.00}. We also determined that there was a name linked to the account XXXX XXXX. This happened while the card was still in my possession in the original packaging. 

On XX/XX/XXXX, we went to file a police report with the XXXX Police, which is the city in which I live. The police report number is XXXX. If needed, I can obtain a copy of the report but, at this time, not willing to spend the {$15.00} required to obtain the report. However, I have told the police that I do want to press charges in their investigation is over. 

Also, on XX/XX/XXXX, I visited the XXXX on route XXXX in XXXX and spoke with the Manager. He stated that he never encountered any problem with any gift card sold from the XXXX store and, since these was a third party gift, there was nothing he can do. 

I called the toll-free number on the gift card and they said that I needed to fax a letter and corresponding documents to Lost/Stolen Card Request. I faxed on XX/XX/XXXX and XXXX. The credit card customer service person told me that they would have an answer by XX/XX/XXXX. On XX/XX/XXXX I called and they said that there was no movement on my case. 

I am confused as to how this happened. I could see if I lost the card or gave it to someone, but the card, in its ORIGINAL packaging, was in our possession the entire time after purchase. 

As of now, I am out {$100.00} ( minus the {$1.00} ) that was left on the card for the XXXX XXXX purchase and the activation fee. This will certainly not break me, but I am frustrated by the lack of progress, time spent on trying to figure out how the fraud happened, and that XXXX, the Police Department, and XXXX XXXX XXXX company has been basically unresponsive. 

I have faxed and am attaching the letter, the front and back copy of the card, receipt, activation receipt, the original packaging, and the online form in a fax. If you could help me or provide any advice, I would appreciate it.
Consumer complaint received 2022-10-20
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. (MD)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX  XXXX on behalf of XXXX is reporting a collection to my report. XXXX   has been out of business for a while and you can not correspond with anyone. XXXX  XXXX is acting as a collection agency however can not verify all the information. This loan was paid off to the original lender ( XXXX ) which has since filed bankruptcy
Consumer complaint received 2018-12-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Total Card, Inc. (OH)

I cancelled a credit card that I was not using because it had an annual fee. I did not receive any statement in the mail but noticed one day that I had received a balance due statement via e-mail which I never receive because I always request paper statement. I immediately called the credit card company and they informed me that they had never closed the account and there had been activity on 2 transactions. They searched and notified me that in fact I had not used the card in over a year up until the 2 online transaction. They told me they would send me a fraud package and I should receive it in 7 days. 2 weeks pass and they again sent me another e-mail collection. I called again and had to go through the same exercise and again requested that the fraud packet be sent to me. Another few weeks pass and I receive yet another e-mail attempting to collect. I again called and spent over an hour on the phone with the representative. She proceeded to tell me that more than likely they would deny my claim because it had been 90 days from the transaction date. during all this time they continued to charge an annual fee and late fees for each month. The representative asked me to pay {$41.00} on the account so that she could refund all the late fees and the annual fee. I just received another call informing me that my account is past due {$100.00} and has a balance of {$300.00}. I think this card company is trying to rip people off.
Consumer complaint received 2017-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX and XXXX fraudulently report XXXX, XXXX, TransUnion and NYS Attorney General. XXXX, XXXX and TransUnion continue the fraud. Please refer to attachment.
Consumer complaint received 2023-06-04
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. (NY)

Hi, I am not familiar with the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-20
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. (SC)

This is a formal complaint against Equifax for violating my FCRA rights and my privacy as a law abiding consumer. I have sent four requests to Equifax to help me with inaccuracies on my credit report and they have refused to respond or send letters stating it's not me when I have sent them everything required per their website and they should have no reason to not believe it is me. I even sent them a copy of my social security card! Please help me get these inaccurate and unauthorized items removed. I have included my last dispute with them for your review so you can see what I am talking about. Please help me.
Consumer complaint received 2023-09-28
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)

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  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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 XXXX 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 2022-10-20
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. (CA)

I submitted a complaint to XXXX, Transunion and XXXX denoting that I had been a victim of identity theft by reason of lack of consent and permissible purpose ( 15 USC 1681b ). I attached an FTC identity theft report along with all the alleged accounts that were being furnished on my consumer report. According to 15 USC 1681c-2, information that has been identified by the consumer ( me ) to be a result of identity theft must be blocked within 4 business days of the receipt by such agency. It has been 30 days and I have yet to have the information blocked as well as I have not been able to garner a response from any of consumer reporting agencies. These are clear violations of the FDCPA.
Consumer complaint received 2023-06-20
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)

Please remove these accounts off of my credit report, I did not authorize these accounts nor did I open them. I was incarcerated for 9 years and just recently was released XX/XX/XXXX therefore impossible for these accounts & inquiries to be mine. 

XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX {$430.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$1800.00} XXXX XXXX XX/XX/XXXX {$710.00} XXXX XXXX ( XXXX XXXX : XXXX CAPITAL XXXX BANK XXXX XXXX XXXX XXXX XXXX {$1800.00} XX/XX/XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$650.00} XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXX {$530.00} XXXX XXXX XX/XX/XXXX {$800.00} Inquiries XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-10-20
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)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX, but I never received a response from them. These items must be investigated and deleted 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 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 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- report containing information solely as to transactions or experiences between the consumer and the person making the report ; Experian, XXXX, and XXXX have willfully allowed " XXXX XXXX XXXX XXXX '' the furnisher to furnish evidence of transactions in the 'Payment History ' section that are simply not allowed under the law above. Experian, XXXX, and XXXX have violated 15 USC 1681a 2 ( A ) ( i ). If you feel you have not violated this law please provide the law that clearly and concisely states a Consumer Reporting Agency has the right to report Transaction History Between a creditor and a consumer.
Consumer complaint received 2022-10-20
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)

The following companies are NOT licensed in the state of Tennessee to collect debts of any kind nor report them on credit reports. I have proof listed below to confirm this information. Per the NMLS Consumer Access website these companies DO NOT hold a valid license in the State of TENNESSEE. They are violating my rights as a consumer by reporting inaccurate information on my credit report. I did not furnish written consent of any kind to these agencies to report any debts. I have no knowledge of these accounts, or any of the debts. The accounts and their account numbers are listed as follows : XXXX XXXX XXXX Acct # XXXX