davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-19
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: Experian Information Solutions Inc. (NJ)

ONLY NAME THAT SHOULD APPEAR : XXXX XXXX Multiple incorrect addresses showing on my credit profile XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Incorrect information : Most Recent Employer Employer Name XXXX XXXX XXXX Previous Employer Employer Name XXXX XXXX XXXXIn addition : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX *** duplicate inquiries : XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance to the fair credit reporting act the above stated companies have violated my rights XXXX15 U.S. Code 1681s602a-Section 1- I have the right to privacy -15 U.S. Code 1681s604a-Section 2-It also states a consumer reporting agency can not furnish an account without my written permission
Consumer complaint received 2019-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Back in XXXX of XXXX my credit union, XXXX XXXX, notified me that they no longer wished to do business with me and that they were closing my accounts. I had a checking, savings, credit card with {$500.00} limit and a line of credit for {$1000.00}. I asked them how i was going to pay my loans off if they were closing access to my online accounts. They said not to worry about it and that they would take of the loans, and they didn't want to have anything to do with me. They made me sign a contract about the loans being paid off by them if I agreed to never seek to do business with them again. They denied me any way to pay off the loans and then 3 years later in XXXX of XXXX they report my loans as being charged off, leaving 2 big red C-Os on my credit file. I contacted XXXX XXXX in XX/XX/XXXX about the problem and asked them to fairly report what happened. They failed to do so instead they moved the charge off date to XX/XX/XXXX. 

XXXX XXXX XXXX is the party that ended the banking relationship with full knowledge that I owed on 2 loans, they denied me access online to pay my loans off. I tried in good faith to pay the debt.
Consumer complaint received 2022-04-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC. (FL)

On XX/XX/2022, I received a bill from Ally Auto Financial stating that I owe {$630.00}. When I receive a bill I normally remit the coupon and send it back but also when I look at my contract I notice there's no relationship between me and Ally. The contract is between XXXX and Ally. After I remit the bill and send it back to Ally the refused to accept the remittance coupon unless they are made in certified funds such as a cashier 's check, money order or payment through a third party such as XXXX XXXX or money gram. I sent a Conditional Acceptance stating the laws on what are certified funds according to XXXX XXXX. They restricted my account & marked it as fraud. According to the laws when they refuse the remittance coupon that is considered a discharge to the extent of the mount of the tender of the obligation. I received notice on my Credit Report that there are 2 late payments. Which I never gave them permission to report my information.
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

I applied for a smart cash loan through with XXXX XXXX XXXX  by phone several days ago and was approve for {$1200.00} and per he money was applied to my account. On yesterday I applied for a unsecured loan of {$2000.00} online and did not receive any information back showing a application was submitted or pending. I called XXXX XXXX XXXX  this morning XX/XX/21, spoke to gentleman in the Retail Lending Department. He stated the system denied my application but he stated that I met the criteria for a unsecured loan and he was going to present it to the department that make the decision and someone will give me a call. I waited hours for a call and decided to call back to check the status an hour before closing. I called XXXX XXXX and request to speak to a Supervisor in the Retail Lending Department. I spoke to a Representative name XXXX ( Im not sure if thats the correct spelling ) but she had asked for my social security # and transferred me to a Supervisor name XXXX. Per XXXX the loan was denied for credit. I asked what does that mean because I have a credit score over 700 and have been approve recently for loans. I even ask if I could provide documents showing that my student loan & Auto loan was paid in full recently. Per XXXX, Experian is reporting no credit score. I asked how is that possible when I received loan approvals from other Lenders including the loan they had just given me. Per XXXX she can inform the lending department that have documents but she doubt that she will overturn the decision. XXXX did not give any loan # s or application # s for the loan that was denied. I have the loan # for the smart cash loan that was approved earlier this week.
Consumer complaint received 2023-06-27
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. (NC)

I sent a letter of dispute to XXXX, Transunion, and XXXX on XX/XX/2023. I explained that the account for XXXX XXXX was reporting incorrectly. The account was charged off and keeps reporting as being updated each month. All 3 bureaus came back stating the reports were updated without providing me with the proof or documentation used to validate the account.
Consumer complaint received 2024-03-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Each of the listed companies below have not given any written disclosures or contracts to sign or agree to terms of reporting to my consumer report and/or paying any debt. The companies also have not sent any verbal or written documents informing me of any debt and the companies are as listed : PORTFOLIO RECOVERY XXXX {$730.00}
Consumer complaint received 2022-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VT)

On XX/XX/2022, a credit inquiry was made to Bank of America for an XXXX  XXXX XXXX XXXX credit card. I did not apply for the card. Whoever did apply had my personal information, including correct Social Security Number, addresses, birthdate, etc. Bank of America did not approve the application, flagged it as suspicious, and sent me a letter notifying me. I called them to confirm it was fraudulent. They suggested I also call XXXX and XXXX. The inquiry did not show up with XXXX but did with XXXX. XXXX will remove the inquiry and told me to report the application to the police or FTC. 

I am of course concerned for my credit but much more concerned about this sensitive data being " out there '' and I will pursue actions to prevent it from being used, including placing fraud alerts with my banks and credit bureaus and am considering placing credit freezes. This is very annoying, and I hope FTC can help prevent further issues. 

Thank you for your time and efforts.
Consumer complaint received 2022-04-19
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: Park Hill Holdings (MA)

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 U.S.C. 1681. 

XXXX ( XXXX  ) XXXX XXXX XXXX CORE LOGIC XXXX SAFERENT SOLUTIONS 1

5 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 an account without my written instructions.
Consumer complaint received 2022-04-19
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. (MA)

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 U.S.C. 1681. 

XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX SOLUTIONS 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 an account without my written instructions.
Consumer complaint received 2017-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (FL)

This account has been disputed and despite my case the company has been unreasonable in correcting the accuracy of data but have instead added more inaccurate data. There has even been an offer to pay it off completely by having my bank take over the loan so as to not have continued issues with credit bureau reporting, and provide an agreement to update the data accordingly, but communications have been ignored.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I earnestly request the removal of this entry from my credit report as it is not mine and appears to be fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about its impact on my creditworthiness. I implore you to conduct a thorough investigation and promptly rectify this error by removing this inaccurate information from my credit profile.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CT)

Apparently and unfortunately I have an adult son with the same first and last name. He has confirmed that he in fact obtained services from a XXXX company in XXXX. I knew absolutely nothing about his personal or professional business with this company as I live in the State of Connecticut. I had an impeccable credit score until one day my wife and I received a collection notification in XXXX stating that I owed over {$3000.00} to XXXX XXXX XXXX for a debt owed to The XXXX XXXX XXXX. I never received a single bill or credit application alert. I tried to explain to all three entities ( Credit Bureaus plus the collector and the agency directly ) that that was impossible since I did not have any XXXX taken at any point with this company. The agency did confirm that the person they conducted business with was was younger than I. No assistance was provided and they still haven't guided me on what steps need to be taken to have them report the remove this charge that doesn't belong to me. XXXX did an " investigation '' which did not resolve the matter and refuse to provide any additional assistance. 

I had my credit profile locked during this time, so I'm not sure how this even happened. I am also completely baffled with trying to figure out how the debt was even originated. ( i.e credit, general bill, use of SSN etc. ) None of which was explained to me. I would like to report fraud on my report and I will take whatever legal actions necessary if this matter is not corrected.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/2023 I sent a letter to all 3 Credit Bureaus requesting to have my personal information updated. I received updated copies of my reports and the incorrect information is still being reported.
Consumer complaint received 2022-04-19
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: EQUIFAX, INC. (WI)

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 XXXX 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 an 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-19
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. (WI)

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. Convergent Account # 1234, 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 an 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. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-19
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. (NY)

I have been waiting for a late payment to come off my report for 60 days its been almost 90 days, the Creditor of my account sent a letter out XX/XX/XXXX and there is still no change of the account, This late payment is ruining my life. The creditor has requested that the XX/XX/2021 must be accurate to paid on time. I have attached my license and the letter from the Creditor
Consumer complaint received 2022-04-19
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: EQUIFAX, INC. (NY)

I have been waiting for a late payment to come off my report for 60 days its been almost 90 days, the Creditor of my account sent a letter out XX/XX/XXXX and there is still no change of the account, This late payment is ruining my life. The creditor has requested that the XX/XX/2021 must be accurate to paid on time. I have attached my license and the letter from the Creditor
Consumer complaint received 2024-04-20
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 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, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX OF XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX Section XXXX A States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information.Any adverse item of information, other than records of convictions of crimes which antedated the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2023-06-27
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. (ND)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and removed from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-19
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 am writing to dispute the following information that is on my report. I have contacted the companies XXXX, Transunion and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Social, ID, Identity Theft report
Consumer complaint received 2022-04-19
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX  acct # XXXX 30 day late payment, XXXX XXXX acct # XXXX 60 day late payment, XXXX XXXX acct # XXXX, XXXX XXXX acct # 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 an account without my written instructions.
Consumer complaint received 2022-04-19
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: Experian Information Solutions Inc. (MO)

I sent a dispute letter to all 3 credit bureaus telling them that specific hard inquiries were not authorized and should be deleted. It has been over 30 days and I have not heard anything back and the items haven't been deleted