davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-28
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. (NV)

NEVER LIVED AT ANY ADDRESS OR HAD THESE NUMBERS THEY WONT REMOVE THEM ( XXXX ) XXXX Cellular ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  CA XXXX Under dispute Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Under dispute Resident type Multifamily XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX Under dispute Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, CA XXXX Under dispute Resident type Single family XXXX XXXX XXXX XXXXXXXX, CA XXXX Under dispute Resident type Single family XXXX XXXX XXXX XXXX XXXX CA XXXX Under dispute Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Under dispute Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Under dispute Resident type Multifamily XXXX XXXX XXXX XXXX, CA XXXX Under dispute Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Under dispute Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Resident type Single family XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Single family Date of birth
Consumer complaint received 2024-06-18
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. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2023-02-08
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. (NY)

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 I recently looked at my report and realized that there were inquiries, accounts, and delinquents hindering me from making purchases such as buying a house and car. These accounts listed are a result identity theft and need to be removed immediately. In accordance with Fair credit reporting act convergent these accounts has violated my rights. 15 U.S.C 1681 section 602 A. States have the right to privacy. 15 U.S.C 1681 Section 604 section 2 it also states a consumer reporting agency can not furnish a account without my written consent
Consumer complaint received 2022-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I deposited a distribution from an inheritance from a deceased family member. I deposited into my Bank Of America checking account on XX/XX/XXXX. I received two wtitten receipts for the transaction. Those receipts inducated that funds would available on XX/XX/XXXX. Later thst day the bank changed that wait time to 10 days, XXXX. I only found out because I checked my on line account and noticed the ten day hold. Ive caled them XXXX XXXX. They will not release any portion of the funds. I told them I was unemployed, behind on the rent and running out of food at home. They refused to tekease the funds. This XXXX was written on XXXX XXXXXXXX XXXX branch and the issuer is XXXX.
Consumer complaint received 2022-10-28
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. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$910.00}
Consumer complaint received 2022-10-28
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. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-06-18
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. (CA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (MD)

I got approved for a loan for Solar installation from XXXX XXXX, via Maryland-based XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX. I completed all the paperwork and have been waiting for installation that's been scheduled for XX/XX/XXXX I received an email from XXXX XXXX on XX/XX/XXXX, stating that they have cancelled my loan. I called the company on XX/XX/XXXX and spoke to someone who identified themself as XXXX. She gave me the following reasons why the loan was cancelled : Documents not signed Proof of ownership verified on XX/XX/XXXX Insufficient credit history Inactivity on the account After each reason, I explained how that did not make sense since that reason did not apply - and explained why and provided the evidence. XXXX then said I have to wait for a letter they mailed to me. I explained that I needed to know now what was happening as my installation is fast approaching. I asked to speak to a manager and she hang up. 

I finally got the letter electronically on Wednesday, XX/XX/XXXX, and it states the loan is cancelled because of insufficient credit history. This is interesting given the loan was approved with my same credit history and a lower credit score back in XX/XX/XXXX. 

At no point before the cancelation notice did I receive any request for from XXXX  or XXXX XXXX XXXX for additional documents or information that I failed to provide. XXXX  's decision to cancel the loan feels off and discriminatory. The reason they provide makes no sense. Please look into this for me. Attached is a copy of my contract with them. Thank you.
Consumer complaint received 2022-10-28
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. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2022-10-28
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: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$460.00} ; XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXXXXXX XXXX XXXX Balance XXXX {$9300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$3800.00} ; XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2022-10-28
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. (IL)

THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.
Consumer complaint received 2021-03-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants Adjustment Service, Inc. (AL)

Merchants AD is reporting two accounts on my credit report that I do not recognize, one account with XXXX XXXXXXXX XXXX and another with XXXX XXXX XXXX. I wrote a letter to Merchants AD requesting that they validate these two accounts. I did not receive a response from the company. However, these two accounts are still reporting on my credit report.
Consumer complaint received 2020-10-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (CA)

I notice a Checking Account XXXX open recently without consent or permission of acknowledgement with unauthorized charged to the credit account ending ... XXXX showed incorrect balance and fees added, this is absolute an unfair practice or mistake by the bank institution, under FCRA these mistakes and unfair practice shall be address immediately and will not be responsible to the consumer or customer that's affect by it. Please send proof of authorization within 5 business days and remove incorrect balance, and close the account immediately.
Consumer complaint received 2022-10-28
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: Experian Information Solutions Inc. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX Date Opened : XX/XX/2016 Balance : {$560.00} Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau , and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State , or local law enforcement agency, including the United States Postal Inspection Service , or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) and the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this accounts is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have a XXXX XXXX XXXX partial acct # XXXX which I voluntarily CLOSED which acct is listed as CLOSED on its web page but my acct is still inaccurately reported as OPEN on my Experian, XXXX and XXXX XXXX credit reports despite my CFPB disputes. In fact, on XX/XX/2023, Experian sent me a report stating XXXX XXXX XXXXXXXX XXXXOutcome : Remains - The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. My account is CLOSED and continual reporting of my account inaccurately as OPEN and false certifications constitutes willful violations of the FCRA and Metro 2 compliance protocols subjecting violators to {$1000.00} statutory damages per willful violation. Kindly reinvestigate and either promptly report my account as CLOSED at consumers request or permanently delete my account and block access to the violating furnisher. The FCRA and Metro 2 protocols require prompt and immediate mid cycle reporting an account as Closed when requested by the consumer by phone or otherwise. False certifications and sloppy investigations shall not be tolerated. Similarly, as if XX/XX/2023, my XXXX and XXXX XXXX reports continue to inaccurately report my account as OPEN.
Consumer complaint received 2022-10-28
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. (MD)

On XX/XX/2022 I sent an Investigation letter to each credit bureau, telling them to verify that the accounts below are 100 % accurate and to remove anything that's inaccurate. After receiving their findings, I then sent out a Reinvestigation letter with the tracking # : XXXX to TransUnion on XX/XX/2022. Instructing them to re-investigate and remove this inaccurate information from my credit report. 

Accounts : XXXX  > Account # : XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX  > Accunt # : XXXX XXXX XXXX XXXX Patient First XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX Hard/Soft Inquiries : XXXX XXXX XXXX XXXX They stated that the accounts were verified, but how is that possible if the Open Date is inaccurate, the Date Last Active is inaccurate, and the Date Last Reported is inaccurate. According to the FCRA everything must be 100 % ACCURATE. I also have the credit report showing the inaccuracies. 

They did did not do a proper investigation according to the FCRA : 15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews w/ neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

The credit bureaus violated my given rights numerous times under 15 USC 1681 : In accordance with 15 U.S.C 1681 Section 602 A : I have the right to privacy.

In accordance with 15 U.S.C 1681 Section 602 ( A ) ( 2 ) : A consumer reporting agency can not furnish an account w/o my written instructions.

In accordance with 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 2022-10-28
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: EQUIFAX, INC. (GA)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXXXXXX Balance : {$15000.00} ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX XXXX XXXX XXXXXXXX Bankruptcy Reference # : XXXXXXXX XXXX XXXX XXXX  Bankruptcy Reference # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXXXXXX XXXX XXXX XXXXXXXX Bankruptcy Reference # : XXXX XXXX XXXX XXXX  Bankruptcy Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-12-12
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. (PA)

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 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 2020-10-01
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: Experian Information Solutions Inc. (MI)

I sent multiple certified letters over 60 days ago and still have yet to receive any sufficient results upon the errors on my credit report. As a consumer I feel like I am being mislead and taken advantage.