davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-14
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. (LA)

I am submitting a complaint in reference to this company knowingly reporting inaccurate information data. XXXX XXXX credit profile is affected by these penalties this looks SUSPICIOUS AND DECEPTIVE ; I demand proof " TO SEE '' VALID Authorization/ Proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I XXXX XXXX legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq.

I AM MAINTAINING A CAREFUL RECORD ON MY COMMUNICATION WITH YOUR COMPANY.

15 U.S. Code 1681- Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

When a collection agency purchases a debt, they can not re-age the account to restart the clock, if this is not a practice used by XXXX XXXX XXXX then disclose all records tangible items, including emails, reports, and data, as well as answers to written questions and oral testimony to the contrary Since Federal laws override state statuary and 3rd party violations have occurred that means 18 U.S. Code 371 - Conspiracy to commit offense or to defraud United States has also been activated because of previous or prior insurance agreements in place and not disclosed and that also relates and brings up 18 U.S. Code 1001.After this account was placed in collections, did the alleged original creditor sell the debt or did it assign the debt, and how would it be known, If the correct validation is not attached just a statement with a debt collectors and an alleged creditors letterhead attached, proof is needed.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Re : Dispute of Inaccurate Account Information ( Account Name : XXXX XXXX XXXX, Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I am writing to address the inadequate response I received regarding my previous dispute concerning the above-mentioned account on my Equifax consumer report. 

In your response, you stated that, The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. Account # - XXXX The results are : WE VERIFIED THAT THIS ITEM BELONGS TO YOU. THIS ACCOUNT HAS BEEN UPDATED. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ADDITIONAL INFORMATION *STATUS DATE *BALANCE DATE. I find this response to be both perplexing and unacceptable for several reasons. 

Firstly, how can Equifax state that the account was " verified '' when the requested documentation to substantiate the account 's legitimacy was never furnished to me? I have yet to receive any proof that verifies this account as mine or any of the information associated with it. In addition, XXXX XXXX XXXX responded to my complaint via the Consumer Financial Protection Bureau ( CFPB ) by stating that the account has been placed in a restrictive status from further collection. Please find the respective documentation attached to this letter.
Consumer complaint received 2024-08-11
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. (CA)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-08-11
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. (FL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year> XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/year>
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MO)

I recently purchased A copy of my consumer credit report and learned that I have many unauthorized hard inquires hurting my consumer credit report. I did not authorize ANYONE to MIS-REPORT or fraudulent use my social security number for any purpose or matter without my written consent please have every inquiry removed immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Consumer complaint received 2024-08-11
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. (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 Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX - Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Bankruptcy is not mine, and the credit bureaus won't delete them. They all said they verified it through XXXX. XXXX says they got the information from XXXX, but XXXX says they don't supply information to third-party sources. So how is it verified if it's mine if the source doesn't supply the information? Given that XXXX  does not provide information to third-party sources, the verification process by XXXX and the credit bureaus does not meet the " reasonable procedures '' standard required by the FCRA 15 U.S.C. 1681.So if XXXX and the credit bureaus can not verify the bankruptcy through a reliable and accurate source ( since XXXX  does not provide this information to third parties ), they are required by law to delete it from my credit report.
Consumer complaint received 2023-10-09
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. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2024-08-11
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. (TX)

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 Number : XXXX : Balance : {$0.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$6500.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$1400.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$350.00} Account Name : XXXX : Account Number : XXXX : Balance : {$240.00} Account Name : XXXX  : Account Number : XXXX : Balance : {$630.00} Account Name : XXXX  : Account Number : XXXX : Balance : {$1800.00} Account Name : XXXX XXXX : Account Number:XXXX  : Balance : {$1200.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 XXXXXX/XX/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.

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 2024-08-11
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. (AL)

XXXX XXXX is showing closed on my credit report for XXXX, Transunion, and XXXX. 
XXXX is showing closed on my credit report on XXXX only. 

According to 15 USC 1681 ( b ), I have not provided XXXX, Transunion, or XXXX with written consent to furnish or obtain my information regarding XXXX XXXX. As such, their reporting of this information is in violation of the FCRA. 

According to 15 USC 1681 ( b ), I have not provided XXXX with written consent to furnish or obtain my information regarding XXXX. As such, their reporting of this information is in violation of the FCRA.
Consumer complaint received 2024-08-11
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. (TX)

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 Number : XXXX : Balance : {$0.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$630.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$940.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$490.00} Account Name : XXXX XXXX XXXXXXXX : Account Number XXXX XXXX XXXX Balance : {$140.00} Account Name : XXXX : Account Number : XXXX : Balance : {$670.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$1200.00} Account Name : XXXX : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX : Account Number : XXXX : Balance : {$370.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$2800.00} Account Name XXXX XXXX XXXX XXXX : Account NumberXXXX : Balance : {$450.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$290.00} Account Name XXXX XXXX XXXX XXXX  : Account Number : XXXX : Balance : {$400.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$580.00} Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$1400.00} Account Name : XXXX XXXX XXXX Account Number : XXXX : Balance : {$880.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 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 2024-08-10
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)

In accordance with the fair credit reporting act ( XXXX XXXX ) ( account # ) XXXX, has violated my rights 15 USC 6802 which states a company can not furnish an account without my written permission, they did not have my permission to report an account even after I settled the account and paid it off. 15 Usc 1681b, 18 USC 10282A being they sold my information to a credit without my permission.
Consumer complaint received 2024-08-10
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. (AL)

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 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Identity theft. The consumer reporting agencies commit fraud everyday by keeping adverse information on consumers credit reports even after written consent was established to be removed. They play games with you on the phone and on the internet when you request removal and delay consumers on purpose then pretend like nothing wrong was done and no law was broken. XXXX, TransUnion and XXXX all need to be under investigation for identity theft for millions of consumers.
Consumer complaint received 2024-08-12
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (FL)

I will be attaching emails that show after I was emailed about the debt, it was paid the next day, and the following payments were made. the amount of XXXX is still incorrect. It states this collection was open XX/XX/year> and my last payment was in XXXX, so it doesn't make sense. Also, the date of XX/XX/XXXX is incorrect, this collection emailed me on XX/XX/XXXX trying to collect the debt.
Consumer complaint received 2024-08-11
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. (TX)

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 Number : XXXX : Balance : {$110.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$690.00} Account Name : XXXX XXXX Account Number : XXXX : Balance : {$18.00} Account Name : XXXX XXXX XXXX : Account Number XXXX XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$9300.00} Account Name : XXXX : Account Number : XXXX : Balance : {$5200.00} Account Name : TXXXX XXXX XXXX XXXX  Account Number : XXXX : Balance : {$460.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$990.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 XXXXXX/XX/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.

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 2024-08-14
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: General Motors Financial Company, Inc. (CA)

I leased a vehicle from XXXX XXXX on XX/XX/year>. XX/XX/XXXX, I hadn't received any information about my account to make a payment. I contacted GM Financial and they had no record of my lease but had my old car that I'd traded in still under my name. I messaged XXXX XXXX the same day at XXXX and received a response at XXXX that they were passing the issue to management. Over the last 3+ weeks, I've gone back and forth with the dealership about signing a new lease that they said was required because GM Financial rejected the original one due to accounting errors. They have continued to run my credit over and over again for no reason, impacting my score and not all of the credit reporting agencies will remove repeat hard inquiries. I need help with this and to ensure this doesn't happen again. The new leases they sent all had mistakes and changed information until I demanded all of the numbers match the original agreement. This is absolutely not okay. I have less than 30 days before my temp tags expire and I'm not sure I'll have my registration in time.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX {$3800.00} unauthorized account reporting to my credit report XXXX XXXX {$3400.00} unauthorized account reporting to my credit report XXXX XXXX XXXX {$530.00} unauthorized account reporting to my credit report.