davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-12
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. (PA)

Dear [ Credit Reporting Agency ], I hope this email finds you well. I am writing to bring to your attention some unauthorized inquiries that I have discovered upon reviewing my credit report. After contacting the respective creditors, it became evident that they have no evidence or proof of my initiation of these inquiries, nor do they possess any written authorization from me. Furthermore, they have failed to provide any permissible purpose for these inquiries.

In light of the aforementioned circumstances, I kindly request that you immediately delete these unauthorized inquiries from my credit report. As per Section 604 of the Fair Credit Reporting Act, specifically 15 U.S. Code 1681b, consumer reporting agencies are only permitted to furnish consumer reports under specific circumstances, one being when a legitimate business need for the information exists in connection with a business transaction initiated by the consumer.

Additionally, as outlined in 15 U.S. Code 1681i, Paragraph ( 5 ), in case of inaccurate or unverifiable information, the consumer reporting agency is obliged to promptly delete such information following a reinvestigation. Given that the inquiries in question are unauthorized and can not be verified, I kindly request their immediate removal from my credit report.

The unauthorized inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I appreciate your prompt attention to this matter and I kindly request that you keep me updated regarding the progress of resolving this issue. Please do not hesitate to reach out to me if any further information or clarification is required.
Consumer complaint received 2023-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SinglePoint GI (TX)

This company, General Revenue Corporation is going against the law and reporting a debt in my name that not only doesn't belong to me, but they also have not provided any documents with my signature attached as requested as well, and they have received my information from a third party, which was shared without my consent!!! I also did not pay any debt with this company as they stated! This company does not even have my correct information. 

General Revenue Corporation stated that they received my personal information from a third party, in which I did not consent and/or give any permission to do so! I have never given consent to share any of my personal information to anyone and my personal information has been shared to report something to my name! This is against the law and General Revenue Corp should not be reporting anything on my name since they do not have any consent to do so from the third party that they stated they received my information from.

**The general rule under the Privacy Act is that an agency can not disclose a record contained in a system of records unless the individual to whom the record pertains gives prior written consent to the disclosure.

** A. The No Disclosure without Consent Rule No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). 

This company, nor the third party company, ( XXXXXXXX XXXX XXXX ), has not been given consent from myself to share my personal information, which is a breach and dangerous. I request that this be taken off of my record, as it is against the law!
Consumer complaint received 2023-07-13
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: JPMORGAN CHASE & CO. (FL)

The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-02-12
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. (GA)

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

Account Name : XXXX  Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:13348 Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 2020-05-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (MO)

I Filed a dispute on or around XX/XX/XXXX through Experian Credit Bureau to verify debt with signature on original signed contract, proof of debt for collection companies : XXXX XXXX XXXX  and XXXX XXXX XXXX. 
As a result of the dispute both companies remained on my credit and Experian stated this : The company that reported the information has certified to Experian that the information is accurate ... ... .... 

I have not viewed any contract signed by me that verify this is my debt. Experian OR either collection agencies has not sent original contract, itemized receipt or any documentation other than a bill to me. I tried to dispute these two companies again on XX/XX/XXXX and Experian denied me from disputing, asking me to upload new or different information. How can I upload any new information when I am simply asking for the company to verify I owe the debt that is staining my credit report. Now this will just sit on my credit and I am constantly getting phone calls and hang ups from these collection agencies and I dont even believe I owe these people or question the amount they are asking for. Please HELP!
Consumer complaint received 2024-02-12
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. (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 XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 2020-05-23
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I purchased a XXXX  building under the 504 SBA plan with Wells Fargo. On XX/XX/2020 I submitted a request for deferment due to financial impact of COVID19. To date, WF continues to tell me that my request is in queue and that they do not have a date as to when my request will be addressed. On XX/XX/2020, WF fraudulently debited a double mortgage payment from my account and has not refunded this money, creating further financial impact to me and my XXXX. I would greatly appreciate your assistance with these matters. Thank you
Consumer complaint received 2022-07-13
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: SYNCHRONY FINANCIAL (MD)

In accordance with the Fair Credit Reporting act XXXX, PAYPAL, SYNCB/AMAZON PLCC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 can not furnish a account without my written instructions.
Consumer complaint received 2022-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SD)

I've called all these companies and told them I never applied for or tried to open a account with them and I never authorized a hard inquiry from them. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-02-12
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. (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 : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 2022-07-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2018-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Riverwalk Financial Corporation (SC)

On or about XX/XX/ 2015 I received some document in the mail stating that i purchased a vehicle which i had no knowledge of, from the above mention company ( XXXX ). At that time I started my own investigation, I went to XXXX Police Department regarding credit fraud. After receiving my police report I went to the speak with the finance department at the dealership ( XXXX  ) where the finance Manager stated that I was not the person that signed the documents for the purchased of a vehicle in front of him. I spoke back with -- date XXXX and they assured me that everything will be taking care of. 
XX/XX/XXXX I received another letter from a miscellaneous company stating that I owe {$14.00}, XXXX for a vehicle that I never saw, purchased, and I never wanted it for that matter.They state that the money is due within ( 30 ). 
In conclusionI feel that when someone takes advantage of your credit you should not be responsible and should be conforsated for the heartache and pain.
Consumer complaint received 2023-03-06
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: ALLY FINANCIAL INC. (FL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 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 an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card or loan an open-end consumer credit plan as late for any purpose. 15 USC 1681a ( 2ai ) states under exclusions, the report contains information solely as to transactions or experiences between the consumer and the person reporting.

I have reached out to both companies in hopes of resolving the matter with no success. All accounts are paid as agreed.
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Consumer complaint received 2024-02-12
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. (MI)

Upon reviewing my consumer report, I have discovered that there are still unauthorized inquiries present. Despite my previous communication with TransUnion requesting a reinvestigation, the issue remains unresolved to this day. 

XXXX 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

TransUnion 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report
Consumer complaint received 2022-07-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WI)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2020-05-23
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: Global Lending Services LLC (GA)

*According to my most recent credit report, XXXX  and XXXX  are currently reporting that I applied for credit with the companies that I'm not aware of. I did not grant them authorization to review my credit report.
Consumer complaint received 2024-02-12
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. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, Account # XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Consumer complaint received 2023-06-29
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: EQUIFAX, 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 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 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AL)

I mailed out three dispute letters with FTC numbers, police report documents, and a list of fraudulent inquiries on XX/XX/2023. The inquiries have not been removed from my credit report as of yet.
Consumer complaint received 2024-02-12
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. (WA)

I just reviewed my consumer report and found that there are still unauthorized inquiries. I already communicate to TransUnion requesting for reinvestigation unfortunately the issue remains unresolved to this day. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2022-07-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (DE)

Hi there. My name is XXXX XXXX. Email : XXXX. Contacting you regarding my PayPal case ( XXXX ). 
PayPal transaction ID : XXXX Transaction Date : XX/XX/2022 Transaction Amount : {$1000.00} USD Case was closed without refund and I can't work with PayPal or seller. Before i opened case on PayPal, I have opened return request on XXXX and return was delivered successfully back to the seller on XX/XX/XXXX. As return was delivered back to the seller one of XXXX representative told me that refund was issued and case was closed in my favor, but i have not received any refund notification and after this i have opened case on PayPal. Order was returned with XXXX and signature confirmation was included. I've added all documents on case. Surprisingly, On XX/XX/XXXX XXXX representative told me that refund was issued but i have not received any refund notification. After this ive opened case on PayPal. I received defective item from the seller and i let them know regarding this problem and once return was accepted it was shipped and delivered back to the seller successfully more than 19 days ago. Ive uploaded return tracking information and additional proof of delivery from XXXX. Return was completed with XXXX XXXX service where signature confirmation was included. Case was closed and i have not received my refund. I have contacted PayPal about case resolution but I have not received any response. I wasted my money and item as it was returned. Seller not responding me, nor PayPal. Need your help to fix my problem. Thanks