davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I have identified inquiries, collections, and accounts on my consumer report that has been furnished without my written consent, instructions, or permissible purpose which is considered identity theft. Please see attachments for police report case number, ID for identification verification, and copy of credit card bank statement for additional identification verification. There is 2 ID Theft reports listed due to not having enough space.
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

According to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, section 602 ( a ), consumer reporting agencies must carry out their duties with fairness, impartiality, and respect for consumers ' privacy. Equifax, XXXX, and XXXX are consumer reporting agencies bound by these principles. As a consumer, I am entitled to ensure my private information is safeguarded, supported by 15 U.S.C. 6801, which obligates financial institutions to protect customers ' nonpublic personal information.

15 U.S.C. 1681, section 604 ( a ) ( 2 ), states that consumer reporting agencies can only furnish a consumer report with the consumer 's written instructions. Neither Equifax, XXXX, XXXX, nor any financial institution providing information to these credit agencies has my explicit written consent to share my information. Therefore, any previous consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 

15 U.S.C. 6802 ( b ) ( c ) mandates that financial institutions can not disclose nonpublic personal information to third parties without giving consumers the option to opt out. I was not informed of my right to opt out by any information furnishers. Additionally, 15 U.S.C. 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information older than seven years in a consumer report, except for criminal convictions. The adverse item reported on my account without my consent violates this regulation.

15 U.S.C. 1681s-2 ( A ) ( 1 ) ( A ) prohibits furnishing information to a consumer reporting agency if it is known or believed to be inaccurate. Furthermore, 15 U.S.C. 1681e requires consumer reporting agencies to maintain reasonable procedures to avoid violations of section 1681c and limit the furnishing of consumer reports to permissible purposes. 

Equifax, XXXX, and XXXX are not adhering to these procedures. Under 12 C.F.R. 1016.7, I am exercising my right to opt out of their reporting services.
Consumer complaint received 2024-10-20
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. (MO)

I never signed a contract or any kind of financial agreement with XXXX XXXX. Ive asked multiple time for a valid contract to be provided to me with my signature. However XXXX was only able to provide with with documents from the previous financial company XXXX. XXXX forged my signature and created a new agreement without my consent or knowledge. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, | presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists 18 USC 1028A was also violated as well as law 15 USC 1681b
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IL)

I have tried many disputes to have these claims properly investigated as they were unauthorized charges. The original creditor and the credit reporting bureaus have all ignored my pleas to go deeper into these fraudulent charges. XXXX, Equifax, and XXXX have displayed unfair practices by not properly investigating and continuing to report fraudulent information on m credit report. The original creditors have since then charged off these amounts and continues to report as a derogatory mark on my credit reports. I owe no balances to this company after paying them off in XX/XX/year>. I called them and requested they do a proper investigation as I didn't use any more credit for these accounts. My request was never granted and I have been disputing with this company for a very long time now. I was aware of the data breaches with Equifax, XXXX, XXXX, and XXXX but I didn't think to check my report because I didn't see any changes or red flags with the companies that reported breaches. I also didn't think these breaches would cause changes or unauthorized use of accounts that were on my credit report. The several calls I placed to the original creditors back in 2022 solved absolutely nothing. I even tried disputing the inaccurate information through the payment history showing that none of the information from all three major credit bureaus match across the board. That alone should have prompted the deepest investigation possible. I have now involve the FTC and attached documents for the original creditors and credit report agencies. I have been treated unfairly and my consumer rights have been blatantly violated. The stress from all of this is weighing very heavy on my mental well being. To have to go through great lengths to have serious negative derogatory information to remain on my credit report that's causing me to not qualify for any thing that I apply for. I am so scare to unfreeze my credit reports because I don't want to deal with something like this ever again. At this point, I don't care how high my XXXX XXXX gets this time, I will not give up until all the inaccuracies have been removed. I will never use my credit to apply for anything else every again because it's too stressful to deal with disputing fraud that never gets properly investigated.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have tried many disputes to have these claims properly investigated as they were unauthorized charges. The original creditor and the credit reporting bureaus have all ignored my pleas to go deeper into these fraudulent charges. Transunion, XXXX, and XXXX have displayed unfair practices by not properly investigating and continuing to report fraudulent information on m credit report. The original creditors have since then charged off these amounts and continues to report as a derogatory mark on my credit reports. I owe no balances to this company after paying them off in XX/XX/year>. I called them and requested they do a proper investigation as I didn't use any more credit for these accounts. My request was never granted and I have been disputing with this company for a very long time now. I was aware of the data breaches with XXXX, XXXX, XXXX, and XXXX but I didn't think to check my report because I didn't see any changes or red flags with the companies that reported breaches. I also didn't think these breaches would cause changes or unauthorized use of accounts that were on my credit report. The several calls I placed to the original creditors back in 2022 solved absolutely nothing. I even tried disputing the inaccurate information through the payment history showing that none of the information from all three major credit bureaus match across the board. That alone should have prompted the deepest investigation possible. I have now involve the FTC and attached documents for the original creditors and credit report agencies. I have been treated unfairly and my consumer rights have been blatantly violated. The stress from all of this is weighing very heavy on my mental well being. To have to go through great lengths to have serious negative derogatory information to remain on my credit report that's causing me to not qualify for any thing that I apply for. I am so scare to unfreeze my credit reports because I don't want to deal with something like this ever again. At this point, I don't care how XXXX XXXX XXXX XXXX gets this time, I will not give up until all the inaccuracies have been removed. I will never use my credit to apply for anything else every again because it's too stressful to deal with disputing fraud that never gets properly investigated.
Consumer complaint received 2024-10-22
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)

XXXX XXXX XXXX XXXX XXXX XXXX for FCRA and FDCPA Violations To Whom It XXXX Concern, I am writing to formally file a complaint against XXXX, XXXX, and TransUnion for their ongoing delay tactics and failure to take responsibility for violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Despite my repeated attempts to resolve my concerns regarding the inaccuracies within my credit report, I have experienced significant distress due to the lack of accountability from these agencies. The credit bureaus have engaged in incessant postal correspondence requesting identifying information, citing an inability to locate my credit file. This is particularly frustrating as I have consistently provided the same information through both online platforms and over the phone, which they acknowledged without any resolution. 

Furthermore, it is essential to clarify that my disputes are not related to issues of identity fraud, but rather stem from abusive tactics and what I perceive as gross negligence in handling my credit information. The lack of timely and appropriate responses, combined with the continued use of delay tactics, has caused me significant harm. 

If these issues are not addressed promptly, I will consider seeking further action to protect my rights under federal law. I kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigate these matters urgently and take appropriate action against these agencies for their violations. 

Thank you for your attention to this matter. I look forward to your timely response. 

Sincerely, [ XXXX XXXX ]
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IL)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-10-22
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. (NC)

I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS BEING REPORTED THAT I HAVE NO KNOWLEDGE OF, NOR DID I GIVE PERMISSION TO BE FURNISHED TO MY CREDIT REPORT. 

I'VE CONTACTED THE CREDIT REPORTING AGENCIES REQUESTING THESE ACCOUNTS BE VERIFIED AND THEY ARE UNVERIFIABLE. THESE ACCOUNTS BEING REPORTED TO MY PROFILE ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN CREDIT. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX, a XXXX XXXX XXXX XXXX XXXX, sold away it's right to collect payment from me and service any account I had with them but they are still reporting an account on my consumer reports showing I still owe them money. This is fraud! Attached is proof my contracts/agreements with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and eventually deposited and securitized within a XXXX. Therefore, XXXX XXXX does not have a legal right to collect payment from me nor have an account in my name unless it is an account representing an amount THEY OWE ME. This is extortion according to 18 USC 892 since my reputation was harmed and they attempted to steal the vehicle by which they no longer had a legal claim to. Also, with the attached proof, the XXXX  and tax office removed XXXX XXXX as a lienholder on the vehicle title, therefore, there should not be any existing amount owed to XXXX XXXX.
Consumer complaint received 2024-10-22
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. (PA)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-10-22
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. (MA)

This account was charged off on the following date ( XXXX ) since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. a charged off account should NOT include an active payment history. this is inaccurate information falsely manipulates the statute of limitations. you failed to investigate this account properly and your neglect has violated my rights. Iam demanding a deletion of the following account : XXXX
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I received a notification from both experian and transunion that my mortgage was 30 days delinquent ( XXXX ). My wife and I pay the mortgage, on time, every month and XXXX was no different. I called our mortgage company ( XXXX ) who said they had no record of us not paying and didn't understand why this had been reported but I was to put in writing/email them with the issue and they would look into it. Its been over a month and I've had no response. The delinquent account has been taken off my credit report ( it seems anyway ) but my credit score has not gone back to its original number. It dropped from XXXX to XXXX. Also, my wife 's credit score was completely unaffected which makes this even more baffling.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-08-31
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. (CO)

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this companies that I think ilegally reporting in my credit profile that affects my life being tortured financially.

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY.

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately!

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Consumer complaint received 2024-10-22
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. (FL)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-10-22
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. (ME)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!