davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-19
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. (IL)

I am filing this complaint because TransUnion has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to ensure the maximum possible accuracy of my credit report and to conduct a reasonable reinvestigation of disputed information, as required under Section 611 ( 1681i ). 
On XXXX XXXX XXXX I received a credit report from TransUnion, reference number # XXXX, which includes an account from XXXXXXXX XXXX XXXX XXXXXXXX ). While the account was marked as " updated, '' significant discrepancies remain unresolved. These inaccuracies negatively impact my credit profile and compromise the integrity of my credit report. 
The following discrepancies have been identified : Date Opened : Inconsistent dates. TransUnion reports XX/XX/XXXXXXXX while XXXX and XXXX report XX/XX/XXXXXXXX 
High Credit Amount : Discrepancies in the high credit amount. TransUnion and XXXX report {$2600.00}, while XXXX reports {$2500.00}. 
Credit Limit : Inaccurate credit limit. TransUnion and XXXX report {$2500.00}, while XXXX reports {$0.00}. 
Payment Status : Differences in the " 60 days late '' status reported across the bureaus. 
Last Reported Date : Dates do not match. 
Date Last Active : Inconsistent dates. TransUnion reports XX/XX/XXXX, while XXXX and XXXX report XX/XX/XXXXXXXX 
Date of Last Payment : Variation in reported dates. TransUnion and XXXX report XX/XX/XXXXXXXX while XXXX shows XX/XX/XXXXXXXX 
Despite these discrepancies, TransUnion has failed to : Provide a detailed description of the procedures used to verify this information. 
Identify the name, address, and telephone number of any person or entity contacted regarding this account. 
Present any documentation bearing my signature to validate the reported information. 
Additionally, TransUnion has relied on automated systems, such as e-OSCAR, for verification, which is insufficient for a thorough reinvestigation under the FCRA. I also filed a formal complaint with the Federal Trade Commission ( FTC ) regarding this matter, identified as FTC Report Number XXXX, to further document TransUnions non-compliance. 
Impact of the Issue : These unresolved inaccuracies are damaging my credit score, harming my financial reputation, and causing significant stress and financial hardship. TransUnions negligence has created barriers to accessing financial products on fair terms, undermining my ability to manage my finances effectively.
Consumer complaint received 2023-11-06
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)

In accordance with the Fair Credit Reporting Act XXXX XXXX has violated my rights. 

Under 15 U.S.C 1681 Section 602 states I have the right to privacy.

Under 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.

Under 15 U.S.C 1666b : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed immediately!
Consumer complaint received 2024-10-11
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: EQUIFAX, INC. (KS)

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 2024-10-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

On XX/XX/year> I received a copy of my credit report and found some accounts that I don't recognize being reported to my credit file which is making my credit report inaccurate. I have contacted these companies and asked what their procedures are if someone is going through a data breach and is experiencing Identity theft. I explained I have been going through ID theft for several years and unauthorized accounts are being reported to my credit file every other year. I was told I needed ID theft affadavit which I will attache here. The latest data breach has come from Equifax. I also filed complaints with BBB and the Attorney general for consumer protection. 


XXXX XXXX XXXX XXXX. 
Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquires not authorized : XXXX XXXX  Miscellaneous, XXXX XXXXXXXX
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: Experian Information Solutions Inc. (NV)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2024 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

EXPERIAN, XXXX, and XXXX is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreements to show full ownership of the accounts and also other documents so I XXXX review to see if they are actually accounts that belongs to me.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Helbing Law Group (NM)

I have paid over {$12000.00} to this company for a service that at first was provided. Since my final payment in XXXX this company has not honored in finishing their agreement to settling 3 accounts. Once I finished my part of the arrangement and I fully paid, suddenly I became the easiest to ignore. I have called, emailed, used the webpage contact us, and my login access page. All attempts from me to contact anyone of authority to finish their side and resolve my 3 accounts have been fully ignored. I have had no success in getting this company to honor their end and finish settlements. In phone calls to this company, I have even had individuals claim they could not see details ( dates ) and even so much as they can not send me to another person for assistance ( while others can do both ). This company worked hard when I was making active payments and then I had them fully paid off in XXXX. Now conveniently since XXXX and early XXXX this company has done nothing to finish their side of the commitment and finish the resolution process on 3 accounts. Now this company not only has taken over {$12000.00} from me but they have NOT done the service I paid for, and they have worked to actively ignore me on all my communication attempts to get them to finish what they have been paid to do.
Consumer complaint received 2023-09-28
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)

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed immediately!
Consumer complaint received 2024-10-05
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

I have requested that XXXX  provide me with a 1099-C The company has reported the debt as charged off and has not provided me with a cancellation of debt notice. They continue to refuse to provide me with this information when they are reporting on my credit report that the debt is charged off, which means they have written off the debt on their taxes which means I am due a 1099-c.
Consumer complaint received 2023-11-06
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc. (VA)

On XX/XX/XXXX there was a debt collection owed in my name for {$250.00} for " XXXX '' internet services through eastern account system. This was an internet provider that I had used when I lived in Georgia from XX/XX/XXXX- XX/XX/XXXX. In XX/XX/XXXX I cancelled my internet plan and turned in my equipment and from that date to XX/XX/XXXX I was stationed in XXXX XXXX. I have never received any formal notice from the company or the debt collector that I owed this amount of {$250.00}. I used my banks credit score checker to see that I have never had any bad remarks on my records for years, this wasn't until I applied for my XXXX XXXX card in XX/XX/XXXX and saw that I was denied due to my FICO score being too low. While my banks credit score shows I was in the clear however, FICO showed a debt of almost 3 years unpaid. Since this discovery I paid the debt off immediately and tried to dispute the case through XXXX I have waited almost a month for the results to find out there are no changes to the report. I called Eastern Account System and told them the situation and since they told me I paid the debt there was nothing they can do about it. I believe this is unfair and unjust due to the fact that there was never any action taken for these companies to reach out to me. No phone call, email, or a mail to any of my addresses on my credit record. I called to see if I can dispute this case off of my credit report and they told me there is nothing they can do for me. I am writing this because I feel this is not fair, I have done everything to pay my bills and my credit cards off on time and this unpaid debt of 3 years is not a mistake of my own but the debt collector and the internet companies lack of communication with me. I can not show physical proof that these companies haven't reached out to me because there is no physical evidence whatsoever except for the case I created through XXXX.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) 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 XXXX XXXX XXXX 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 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 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 2023-11-06
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

I had auto pay set up to pay my account in full every month. My due date is the XXXX. On XX/XX/2023 paid {$1000.00} through my XXXX XXXX account online and the other remaining {$2500.00} was set up to be paid through my XXXX account automatically in XX/XX/2023 Synchrony only withdrew {$1500.00} and then charged me XXXX in interest! I called and attempted to make phone payments on XX/XX/2023 and XX/XX/2023 for some reason they were not able to put the payments through so I went online and just did it that way with no issues. I tried to get the finance charge reversed and they refused to do it so at this time I have closed all cards associated with their bank resolution I'm looking for is a credit of {$42.00} in finance charge that should not have been charged because of their error.
Consumer complaint received 2023-11-06
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: Experian Information Solutions Inc. (GA)

XXXX as well as XXXX 2023 An formal request for validation of the following inaccurate items on my credit file was requested from Experian, XXXX and XXXX XXXX These company 's has violated my rights under FCRA 15 U.S.C 1681 Section 604 A. 15 U.S.C 1681s - 2 ( A ) ( 1 ) 611 ( A ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.
Consumer complaint received 2023-11-06
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

i found these accounts on my credit report when i was trying to buy a vehicle and i was surprised cause i dont have any credit on my report i dont know where they came from 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 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, other than records of convictions of crimes which have dates the reports by more than XXXX XXXX U.S.C.1681s-2 ( a ) ( 1 ) A PERSON SHALL NOT FURNISH ANY OIONFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON knows or has reasonable cause to believe that the information in inaccurate please remove it from my 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 XXXXXX/XX/XXXX
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: Experian Information Solutions Inc. (FL)

There is information that on my consumer report that is a result of identity theft. 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 to 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.
Consumer complaint received 2022-10-27
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. (MO)

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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.