davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-12
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 am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Date of Charge-Off : [ XX/XX/year> ] It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-02-23
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. (FL)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2023-06-28
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. (SC)

To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX. Validate Account XXXX XXXX Account Number : XXXX Please investigate and remove the late payment. 

XXXX. Validate Account XXXX XXXX Account NumbeXXXX : XXXX Please investigate and remove the late payment. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 


Please remove these inquiries from my credit report immediately. I have enclosed a copy of my identification card as proof of my identity. 

Thank you for your help and assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-06-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$9600.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2015 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2020-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (CA)

CHASE bank is refusing to provide me with copies of my corporate checks for the years of XXXX and XXXX During this same time frame someone removed {$6900.00} from my CHASE personal account and CHASE has refused to provide me with the ID the person used to remove the funds, refused to provide me with a copy of the cashiers check the individual had the funds transferred to, refused to provide me with copy of the video footage of the date and time the incident happened so I may prosecute the individual.
Consumer complaint received 2020-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TX)

In XX/XX/2019, there was a 30 day late payment posted to my credit from WF/XXXX   I've had this card for 2 years with no late payments and the payment posted on time. Since then all payments have been on time. This is a discrepancy by Wells Fargo that needs to be corrected as this has dropped my credit score tremendously!
Consumer complaint received 2020-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

I was advised by a bankruptcy lawyer to put an identity fraud alert on my credit, while I was obtaining my credit reports and to ensure no new debt arose between the time I filed and the time the bankruptcy was discharged, I placed this with equifax at the end of beginning of XXXX under the understanding it would drop off a year from the time I placed it on the there, fast forward to XX/XX/XXXX and will checking my credit on XXXX and disputing inaccurate information was able to see that the fraud alert had not been dropped and instead had been changed to a 7 year alert, which if I read the fair reporting act correctly should only be able to be done with proof of fraud and police reports, I log into equifax to see that it calls it a promotional alert, weird I thought so I called equifax to see what steps I needed to take too get this removed off my report ( has basically made my ability to recover from my bankruptcy impossible, because it is well known that a fraud alert on credit report tells potential lenders DO NOT ISSUE CREDIT, ) thats beside the point after being sent to a call center in XXXX I was basically extorted out of XXXX and made to sign up for an equifax credit monitoring account to receive any information on how to get this alert removed, my main complaint is how can a company that basically is in charge of my ability to improve my life, ability to provide better things, have better shot to increase wealth have the opportunity to purchase a home going to one ) highjack my credit by extending temporary alerts unilaterally, Two ) extort me out of money to tell me how to get this alert off of my credit Three ) tell me after checking my score for me that its bad and I need to do something about it Good sirs I know that this treatment of an American citizen with XXXX children that works his XXXX off everyday might not be heard, but I truly believe our president would be appalled at how our citizens actual livelihood is dependent on a call center in XXXX its a shame and equifax should be ashamed, they profit off the poor and downtrodden under rouse of tips and ability to see scores, because the rich dont have to check there credit scores they own debt they dont have it!! 

Sincerely XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TX)

In XX/XX/2019, there was a 30 day late payment posted to my credit from WF/XXXX. I've had this card for 2 years with no late payments and the payment posted on time. Since then all payments have been on time. This is a discrepancy by Wells Fargo that needs to be corrected as this has dropped my credit score tremendously!
Consumer complaint received 2022-12-26
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. (NY)

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 name : # 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. 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 2020-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have two loans with XXXX XXXX XXXX. They were both purchased and enrolled the same date and due the same month. I do make both payments the same date and for the same period at the same bank. I have always made the required payment. However, for some reason, one of my loans has been showing up consistently late for the past 8 months, since XXXX of 2018. I requested correction, made numerous of phone calls, spent lots of hours on hold and spoken with almost about 30 people including senior managers but they all seem to not understand how to correct the error on my account. I last file a credit dispute in XXXX to both credit rating agencies for correction because their irresponsible behavior impact my credit rating. The rating agencies temporarily made an adjustment to my credit because XXXX XXXX XXXX could not prove me wrong. Whatever, XXXX XXXX XXXX did at the time, it seem the did not correct the problem in their system. Since my last communication with XXXX XXXX XXXX in XXXX, I recently check my credit reporting and it shows I am again 3 months late with my payment and one month of no payment. This is really frustrating and I am getting nowhere at this point.
Consumer complaint received 2022-12-26
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. (IN)

In accordance with the Fair Credit Reporting Act XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card accout under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-10-05
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. (GA)

Im 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 privacv. 15 U.S.C 1681 section 604 A section it also states a consumer reporting agency can not furnish a account without my consent.

Credit inquires XXXX XXXX XXXX XXXX ( Bank ) 7XXXX XXXX XXXX XXXX Auto ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-03
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)

I have two loans with XXXX XXXX XXXX. They were both purchased and enrolled the same date and due the same month. I do make both payments the same date and for the same period at the same bank. I have always made the required payment. However, for some reason, one of my loans has been showing up consistently late for the past 8 months, since XXXX of 2018. I requested correction, made numerous of phone calls, spent lots of hours on hold and spoken with almost about 30 people including senior managers but they all seem to not understand how to correct the error on my account. I last file a credit dispute in XXXX to both credit rating agencies for correction because their irresponsible behavior impact my credit rating. The rating agencies temporarily made an adjustment to my credit because XXXX XXXX XXXX could not prove me wrong. Whatever, XXXX XXXX XXXX did at the time, it seem the did not correct the problem in their system. Since my last communication with XXXX XXXX XXXX in XXXX, I recently check my credit reporting and it shows I am again 3 months late with my payment and one month of no payment. This is really frustrating and I am getting nowhere at this point.
Consumer complaint received 2023-06-28
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. (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.

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 2022-08-17
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. (OH)

I noticed on my credit report there some accounts that I did not authorize or belong to me. 
Here are accounts on my credit report that do not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX. # XXXX I have never received a single notice from any of the above-mentioned companies.I request validation and detailed verification.
Consumer complaint received 2020-01-04
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: Rocket Mortgage, LLC (NJ)

Quicken Loans Improper Practices On or about XX/XX/2019 I had put my name in XXXX XXXX. The banks that called me said they do income verification via bank statements and tax returns. I received a call from Quicken Loans and a man said sir we are the largest bank in the US. He then passed me to a loan person named XXXX XXXX. She said she had to run my credit but I told her I really didnt want that. When I said I was income verified thru a bank statements she said yes we can do that but I have to run your credit. I then consented based on her representation. The next thing I know is she pulls my credit and the changes her story to we do not do those loans but for her to get my SS # she lured me in by consenting that quicken did. I then said based on you duping me which is a form of fraud, that I demand you delete the hard credit run. She then passed me to XXXX XXXX of Qucken who then said he cant do that. I have experience already that when something happens or you were wronged a bank has access to be able to notify and delete. Quicken simply did not want to remedy their poor practice of deception to lure the SS # from the new customer and fraudulently obtain my SS for hard run. To make matters worse, after I told them I would file a complaint if they didnt make this right they called me countless times saying this is recorded asking me for new loans from different names and different caller ID. Even using local area codes to avoid spam blocks. 
I then have asked all the higher ups for the copies of the recordings and they say I cant have them because they are Quickens property. 
This is an absolute disgrace to the consumer and I hope this doesnt happen to any Americans. Quicken is brazen in that they actually bring you to file the complaint and have not the care in the world since they are, as they say the largest bank in the US,  sir
Consumer complaint received 2024-02-23
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. (TX)

In accordance to the fair act XXXX  account : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights 15U.S.C1681 sec 602a states I have a right to privacy 15U.S.C1681 sec 604 sec 2 it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-02-23
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. (TX)

In accordance to the fair act XXXX account : XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights 15U.S.C1681 sec 602a states I have a right to privacy 15U.S.C1681 sec 604 sec 2 it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (IL)

Lexis Nexis was hired bt XXXX XXXX to conduct a background check on our company, named below in XXXX. We completed the forms, submitted a lease agreement for a virtual office that makes rooms/offices available for a fee for private meetings that are held with doors closed for privacy. This setup is used by many professionals in the 21st century. Gone are the filing cabinets with rims of files. Cloud-based storage is the norm. 
As the letter/email shows, we were not given the approval nor given the reason why except to state that " a certain aspect of our business '' did not meet their unpublished requirements. 
Further, not knowing what the problem is, we can not correct it. There is an email given, we contacted the company through that and did not hear back. 
Tired of waiting, I called the company where I was told that they can not tell me why we were not approved, and the only thing to do is to re-apply and correct what " I think '' the problem is! 
The direct consequence of this denial : loss of revenue for our company because we can not market XXXX XXXX XXXX   products despite the fact the company itself has appointed me and my insurance Agents. 
We want to know what the reason for the denial is, and how to address it. 
THIS IS THE EMAIL WE RECEIVED ON XX/XX/2020 XXXX XXXX XXXX XXXX, XXXX Thank you for your interest in LexisNexis. Based on our review of your application, we are unable to activate an account for your company. 
Our policy is to provide our business products and services in strict compliance with all applicable laws, rules and regulations, and only to organizations which can provide us with adequate information and assurances concerning their business and their intended use of our products and services. Unfortunately, there is an aspect of your business, and/or our understanding about your intended use of our services, that does not meet our requirements. 
We understand that you may have questions. However, due to internal security policies designed to protect the integrity of our credentialing procedures, we are unable to provide any additional details about the process. 
If you believe we have made an error, please send an email to : XXXX. 
Thank you, LexisNexis Credentialing Center
Consumer complaint received 2020-01-03
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. (FL)

To whom it may concern, I am writing in regards to late payments on my credit report from XX/XX/2019 and XX/XX/2019 for my XXXX XXXX XXXX  account. 

I understand how important it is to make timely payments, and that failure to do so creates an inconvenience for you. However, I missed my payment because I had a family emergency that I had to allocate funds to them. I am confident that this wont happen again and I have taken steps to ensure my financial responsibility moving forward. 

As a courtesy, I am requesting that make a goodwill adjustment and remove the late payment on XX/XX/2019 and XX/XX/2019 from my record. This will help improve my credit worthiness and give me renewed confidence in being a XXXX XXXX XXXX  customer in good standing. 

Thank you for your consideration, XXXX XXXX XXXX