davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-05
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 2023-10-05
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: AMERICAN EXPRESS COMPANY (CA)

My credit report is showing late payments to AMEX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or AMERICAN EXPRESSs customer service representative.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: NCB Management Services Inc. (MD)

They have wrong information about my report and has wrong information .they are trying to go homeless, they are defamation of my character, this i call harassment toward me which is bad practice, since i mention already. I'm trying to buy a house but, its hurting me to get a hose transaction.
Consumer complaint received 2023-04-24
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. (CA)

I was never late on my account 's payments. please show me documentation showing proof of transaction, showing i was ever late to support your inaccurate reporting on my account. If you can not supply this, please delete this alleged late payment from my credit report.
Consumer complaint received 2023-10-05
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: SYNCHRONY FINANCIAL (GA)

I have carefully reviewed my credit report in the 3 major credit bureaus. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have knowledge of the Fair Credit Reporting Act and understand that this company has a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. Please correct this account : XXXX XXXX
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX. ) XXXX  XXXX  XXXX- ACCOUNT # XXXX XXXX. ) XXXX XXXXXXXX XXXX - ACCOUNT # XXXX XXXX. ) XXXX XXXXXXXX XXXX - ACCOUNT # XXXX - THIS ACCOUNT IS LISTED TWICE ON XXXX! 
XXXX. ) XXXX XXXX XXXX - ACCOUNT # XXXX I have attached the each account in the attached. 

These accounts are in violation! XXXX AND EQUIFAX have allow violations and they continue to willfully do harm. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports. I have never given written consent for any reporting on my consumer reports, and am invoking this law to address this issue. Consent is absent and this constitutes as fraud.

Unauthorized/Erroneous Account RESULT OF the Equifax Data Breach Direct Violation of The FCRA Reporting falsely. 
Under 15 U.S. Code 1692d-Harassment and abuse have been harassed and have trauma this account in violation.

Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only, I can validate this debt. I do not validate this debt.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I DONT RECOGNIZE THESE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE REMOVE THESE INQUIRIES XXXX XXXX XXXX
Consumer complaint received 2023-10-04
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. (FL)

I have requested supporting documentation for 3 accounts marked as collections on my credit report. Each time the companies have responded as verified as accurate with no contracts and signature as proof and no method of verification provided. The most recent response from Transunion was marked verified as accurate and has different dates from the original verified as accurate response. XXXX also states the information is verified as accurate with completely different dates from the Transunion report and no supporting documentation. They should not be both reporting that the debt is accurate if the information presented does not match for both companies. 
The accounts could not be verified and I exercised my legal rights and requested they be removed to no avail. I have requested over 3 times that these accounts be deleted from the XXXX and Transunion reports due to erroneous reporting and avoidance of legal codes as required Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). 
Dates of letters written to both Transunion and XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. 
I am a XXXX XXXX and have served my community during COVID pandemic and have been a XXXX XXXX for over 15 years ; my credit is suffering. I am suffering. I am limited to funding for my endeavors for my XXXX XXXX  due to this reporting.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally dispute an inquiry that was reported on my credit report on XX/XX/XXXX. I would like to emphasize that I never applied for or authorized this inquiry, and I believe it is inaccurate and lowered my score to due to this. I have called XXXX as soon as I saw that it was being reported and have been in contact with their customer security department and was provided case # XXXX and application # XXXX ( XXXX XXXX ) and they told me that as of XX/XX/XXXX a request was submitted to confirm there was no inquiry or application but it still shows on my credit report as of today XX/XX/2023. Contacted XXXX one more time XXXX and there is no letter or email they can send to confirm that the correction was submitted on XX/XX/XXXX. 

I have thoroughly reviewed my records, and I can confirm that I did not initiate any application or request that would have led to this inquiry on the mentioned date. Therefore, I kindly request that you investigate this matter and remove the unauthorized inquiry from credit report as soon as possible. 

I understand that under the Fair Credit Reporting Act ( FCRA ), it is my right to have accurate and up to date information on my credit report. This unauthorized inquiry is not only affecting my credit score but also causing undue stress and conern.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. NovXXXX 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2022-12-09
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 recently disputed invalidated accounts on my consumer report with and the investigation did not fix any of the errors nor was I provided any proof of these alleged debts.
Consumer complaint received 2023-10-04
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: Experian Information Solutions Inc. (GA)

The account for XXXX XXXX XXXX is committing a blatant violation against me and needs to be removed ASAP immediately. I have attached screen shots proving EXPERIAN is lying about verifying the balance for this alleged debt. The first screen shot shows EXPERIAN reporting a balance of {$3400.00} on XX/XX/2023 and a balance of {$3400.00} on XX/XX/2023. Delete this account for violation because you reported one balance on XX/XX/2023 and a different balance on XX/XX/2023. The balance can not change on a closed account proving no investigation was done and EXPERIAN and XXXX XXXX XXXX  are lying and will be liable for willful non compliance.
Consumer complaint received 2023-10-04
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. (NY)

I tried to le my taxes and it did not go through. My accountant advised me that it did not go through because I was claimed as someones dependent. I never authorized anyone to use my information and denitely am not someones dependent. I feel as if I am a victim of identity theft. I was advised to report this to the credit bureaus. I called XXXX and they told me I had to report this on here as well.
Consumer complaint received 2023-01-03
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. (CT)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-04
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. (GA)

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXXAccount Number : XXXX Delete this ac count. 2. 15 U.S. Code 1681i - Procedure in case of di sputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 3. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XXXX Please remove it from my credit report.
Consumer complaint received 2023-10-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

XXXX - On the same branch visit WF opened a new account for me to protect me against fraud and my funds were transferred to a new WF account. Within one month of opening this new Wells Fargo account - unauthorized wire transfers and debits were taken from my account. Wells Fargo identified the individual who I have no affiliation with or knowledge of. WF refuses to indemnify me and provides no explanation
Consumer complaint received 2018-05-04
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: WHEELS FINANCIAL GROUP, LLC. (CA)

No loan was taken out but there are several soft inquiries from the company on my report as recent as XX/XX/2018, hadnt been in contact with the company nor have I given them the approval for running anything in my name. Tried contacting them several times and hadnt had any luck with them stopping
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CA)

Since XX/XX/XXXX I have not received in any compacity an updated credit report. I have asked for a report to be sent to the address that is on file ( even when being told they have none of that information ), it's on my personal information when I go into my account on the Experian app. I have been doing what I can and know to rectify the situation. My attempts to get in contact with anyone who can resolve any issues have been met with multiple transfers and end up getting hung up on which is very unprofessional. I have a witness to my many frustrations with getting any and correct information.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

XXXXXXXX XXXX has an accurately stated that I have missed payments stating back almost 2 years ago. These statements are inaccurate. I have not missed a payment at XXXX XXXX corporation. I called XXXXXXXX XXXX and was told I had to physically mail in a complaint that would cost extra money that I choose not to spend.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (MI)

I noticed 4 hard inquiries on my credit report ( XXXX XXXX ) that i didnt authorize and i would like them removed and 2 of them are from chase but the inquiries with the dates are ( XXXX XXXX XXXX ) Inquiry date- XX/XX/22 ( XXXX ) inquiry dateXXXX ( Jpmorgan chase card ) Inquiry date- XXXX ( Jpmorgan chase card ) Inquiry date XXXX
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX XXXX  has an accurately stated that I have missed payments stating back almost 2 years ago. These statements are inaccurate. I have not missed a payment at XXXX XXXX corporation. I called XXXX XXXX and was told I had to physically mail in a complaint that would cost extra money that I choose not to spend.
Consumer complaint received 2023-10-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY (OR)

I had funds, in a Wells Fargo Account, to bring loan current. But, was repeatedly told it was too late, just to forget about the property. I have a ATM receipt with the account balance showing I had funds available. All I needed was the wiring instructions and address. Ironically I see the Wiring Information Now, has been made available at online Banking. I had other funds on hand when I took this balance snapshot.
Consumer complaint received 2023-10-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion experience and XXXX XXXX have violated my consumer rights. In order for another consumer, Agency to get information from another consumer, Agencywritten permission must be given. I'm going to write down the violations that I feel that They Have done consumer companies have violated my rights.15uscod 1681B2 & 15uscod1681q & 15uscod 1681c2 I have wrote XXXX next 3 times and had it. Notarize If they Can I give me the documentation that they have permissible purpose? Then I need to delete the bankruptcy.
Consumer complaint received 2023-04-13
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: Checkr, Inc (FL)

In XXXX of 2022, my information was used without permission and inaccurately which prohibited me from working. My license was reported as invalid for work which indeed it was not and unimportant information was disclosed without consent as adverse violations. I am not prohibited from driving in the state of Florida. 

The law has been violated. I even showed how they were inaccurately reporting thus violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus / reporting agencies have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the agency does not have my written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on Someone needs to hold them accountable for this