davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-11
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: Upstart Holdings, Inc. (CA)

I have sent two previous letters outlining certain errors and inaccuracies on my consumer reports. Ive also outlined many incomplete fields on my consumer reports which were set certified mail to the consumer reporting agencies. What dates and times did they contact you regarding my disputes? I am requesting a detailed respond to their methods to verify and rectify these inaccuracies and incomplete data being reported.

If you do not have the proper data to report/ furnish this information please delete this account since you have failed to do an investigation. You have also failed to do a re-investigation. Now I am requesting a detailed description of the investigation process by your company on the two separate disputes sent to the credit.

Below I will also outline with red circles outlining my consumer reports to show further inaccuracies and missing data/ incomplete information on my consumer report. Please delete/ remove these accounts if these inaccuracies cant be verified.
Consumer complaint received 2024-02-11
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. (MS)

I was reviewing my credit report and noticed multiple credit inquiries from companies I have never heard from or have done business with thus they would have no legal right to access my file. Further for the few companies that I have accounts with that they confirmed that additional credit inquiries were not initiated by them and they must be fraudulent. I asked them to remove them however they indicated that I would have to formally dispute them with the credit bureaus and to identify them as inquires that I never authorized or gave permission for my credit report to be pulled. To be clear this is a violation of federal law and this is very alarming that my credit file has been accessed without my authorization. Seeing as I already have a fraud alert on my file I am wondering how these inquires were even made as I was not contacted to give my authorization. 

The following inquiries are the ones identified that need to be removed IMMEDIATELY as I never applied for credit with these companies either on the date in question or at all and they did NOT have permissible purpose to access my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have attached a copy of my ID as proof of my identity.
Consumer complaint received 2024-02-11
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)

Currently violating : -The Privacy Act of 1974 ( 5 U.S. Code 552a ) -The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) -Laws Broken : Pursuant to Fair Credit Reporting Act 15 U.S. Code 1681a ( 2 ) reporting of excluded information ; 15 U.S. Code 1681b ( 2 ) furnishing consumer report under no permissible purpose ; 15 U.S. Code 1681c ( 5 ) reporting adverse information ; 15 U.S. Code 1681e ( B ) failure to follow reason procedures to assure accuracy of consumer report ; -Liability : Pursuant to Fair Credit Reporting Act 15 U.S. Code 1681n Civil liability for willful noncompliance Governing Law : This Letter of Intent shall be governed under the Fair Credit Reporting Act I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted.

My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : ***TransUnion 19 accounts listed below VIOLATES Privacy Act of 1974 ( 5 U.S. Code 552a ) : XXXX 35 accounts listed below VIOLATES Privacy Act of 1974 ( 5 U.S. Code 552a ) : XXXX 42 accounts listed below VIOLATES the Privacy Act of 1974 ( 5 U.S. Code 552a ) and VIOLATES The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) : You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.

See attachment of detailed transactions Thank you
Consumer complaint received 2022-08-13
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. (TX)

To Whom It May Concern : I Consumer Dye am writing this letter in an effort to remove inaccurate information that has been falsely placed upon my credit report. The following information placed on my file has seriously burdened my consumer credit worthiness, credit standing, credit capacity, character, general reputation and personal characteristic. Pursuant to the Fair Credit Reporting Act,15 U. S. C. 1681 ( b ) it is imperative that credit bureaus maintain and report accurate information. The above account was classified as a discharge, therefore XXXX XXXX, XXXX was compensated for the alleged loss through tax credits. Thus, this information should be removed IMMEDIATELY. In addition, XXXX XXXX, XXXX has violated the FDCPA by sending incomplete debt collection validation information. Alleged Creditor : XXXX XXXX XXXX Alleged Account Number : XXXX Alleged Debt : {$2900.00} Alleged Date Opened : XX/XX/XXXX Alleged Date Closed : XX/XX/XXXX Alleged Third Party Creditor : N/A Violations : The above account does NOT follow the FDCPA 12 CFR 1006.34 ( c ) ( 1 ), FDCPA 12 CFR 1006.34 ( c ) ( XXXX ) ( i ) - ( v ) :34 ( c ) ( 2 ) ( ix ), FDCPA 12 CFR 1006.34 ( c ) ( XXXX ), FDCPA 12 CFR 1006.34 ( c ) ( XXXX ) and is in violation. By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my credit report. In addition, please send an updated/revised credit report to me after these accounts have been deleted. Your prompt attention to this matter is greatly appreciated. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-07-13
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. (AL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have reached out to all three bureaus and placed a Fraud Alert on my Credit File. I have also contacted both the bureaus and the Creditors individually to no avail. I have filed an FTC Identity Theft Report. Awaiting dispute decisions.
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion 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 need to investigate and corrected 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE WERE NOT AUTHORIZED I do not recognise these inquires
Consumer complaint received 2022-07-13
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)

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 write them ask them to prove it because it wasnt me they havent, in 6 months, I have note and disputed it with all three credit companies an asked them to do the same thing no reason why it still there.
Consumer complaint received 2023-05-20
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: Westlake Services, LLC (WA)

Loan appeared on my XXXX report an account had been opened for a car loan with : Westlake Services Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I contacted Westlake Financial on XX/XX/XXXX and informed them and provided all my my personal information and they reported no account was open under my ssn, name, phone, etc.. 

I made a dispute with XXXX on XX/XX/XXXXXXXX Dispute # XXXX. 

Results were obtained on XX/XX/XXXX indicating account was verified. 

On XX/XX/XXXX, I called Westlake Financial again and informed them again and they again asked for all my info and denied there was an account including one ending in the alleged account XXXX is reporting. They stated they would open a dispute on there end. 

On XX/XX/XXXX, I made another dispute with XXXX dispute # XXXX and informed them again of my attempts to dispute with Westlake Financial. Results are pending, however, I fear the same results will appear based on my prior attempts to resolve this.
Consumer complaint received 2020-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (SC)

CheckR background information reported my license as suspended, and incorrect violations to XXXX. I recently purchased a vehicle on XX/XX/XXXX and obtained insurance. I never received any notification of suspension. From XX/XX/XXXX til XX/XX/XXXX, I hadn't driven or owned a vehicle for there to be any violations on. I first obtained employment with XXXX in XXXX of XXXX and would appreciate not having to deal with actions as a result of incorrect information, that could jeopardize my further employment. My license was renewed on XX/XX/XXXX, and expires on XX/XX/XXXX.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
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. 

Account name : XXXX XXXX Acct # XXXX 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.

15U.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. 

These inaccuracies are stopping me from getting a house for my family and car for kids.
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. (IN)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
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
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

Subject : Update of Personal Information - XXXX XXXX XXXX [ Date ] TransUnion XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Sir/Madam, I am writing to request an update to my personal information in your records. My name is XXXX XXXX XXXX, and I currently reside at : XXXX XXXX XXXX XXXX XXXX, IA XXXX I would like to confirm that I have no previous valid addresses. Therefore, please ensure that my credit profile reflects this accurate information. 

Should you require any further details or documentation to process this update, please feel free to contact me at [ XXXX ] or [ XXXX ]. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-03-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OH)

On XX/XX/2023 I received a payoff quote of XXXX and gave approval for lender to withdraw funds from my account to pay off mortgage. On the following day XX/XX/2023 the funds were withdrawn from my account. I originally called and was told they couldnt find the documentation. When I foolowed up from my original request they found the payoff quote but unsure why payment withdrawn from account was not applied as payoff. Again i contacted Mr Cooper mort servicer they stated they didnt have documentation needed to correct payoff. On XX/XX/2023 documentation and proof of payment was sent and received by Mr Cooper mort. I have been told since XX/XX/XXXX then it would be corrected in a week of two. It is now XX/XX/2023 and Mr Cooper has not completed the payoff or released my title. They have continued to send statements, late payment notices and have made negative reports against my credit. I do not seem to be any closer to a resolution. I have sent them the payoff quote and bank statement showing funds withdrawn. If needed can be resent.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am constantly receiving promotional and preapproval letters in the mail even though I have opted out of receiving any type solicitation from companies that I don't wish to do business with. Eligibility information contains account numbers, names and address. ( 12 CFR 1022.20 ( b ) ( 4 ) ). Direct mail is listed with other examples of how solicitations can be done. According 12 CFR 1022.20 ( b ) ( 5 ), solicitation is the marketing of a product or service initiated by a person, such as a financial institution, that is intended to encourage consumers to purchase or obtain products or services. A pre-approved letter is done after accessing ones consumer report to see certain financial information which I have not granted my consent to have. These actions violate my personal nonpublic information ( personal identifiable financial information ( 15 U.S.C. 6809 ( 4 ) ). A pre-approved letter is intended to encourage a consumer to obtain a company 's product and services, hence pre-approved, instead of pre-qualify which authorizes a soft inquiry to create an offer. They always send correspondence that says Under the Terms and Conditions When we solicit you for an account or from time to time thereafter we may offer special terms in connection with your account. Per 15 U.S.C. 6802 ( a ) ( b ), The credit agencies have failed to send me any form of notices giving the opportunity to opt out of any access they are giving others, more specifically their affiliates that they are allowing access to my non public personal information. As to the claim that my credit score isn't affected, that is wholly untrue as every soft pull takes away a point. In addition when my SSN is hit for any type of inquiry and I do not receive anything in return, that is securities fraud because the company is trading on the secondary market with my information that is being sold to them.
Consumer complaint received 2022-07-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (PA)

I got a card in the mail from Truist Client Center XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX saying I had opened an account ending in XXXX. I never opened an account with this bank. I called them and they wont do anything about it unless I give them my full social security number ; which I refuse to give them based on security concerns and I dont know how they got an account set up in my name & address.
Consumer complaint received 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CO)

Amazing how if I PAY experian {$19.00} a month, I can freeze my credit bureau with the click of a button but if I don't want to pay, now they suddently " can't verify me '' and I have to mail, yes MAIL, a letter ( those are still a thing? ) with my driver 's license, my birth certificate, a utility bill, AND a W2??? But if I pay {$19.00}, suddenly, they don't need those things anymore. Hmmm, seems a little corrupt, don't you think?
Consumer complaint received 2022-07-13
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. (WA)

I, XXXX XXXX, am stating that XXXX, Experian, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX Experian, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, Experian, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, Experian, XXXX credit report : XXXX XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, Experian XXXX XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, Experian, XXXX are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, Experian, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, Experian, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.