davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-10
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. (GA)

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

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-31
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$7200.00} XXXX XXXX XXXX Balance : {$9600.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$140.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX  XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-08-20
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: EQUIFAX, INC. (TN)

XXXX  XXXX  XXXX XXXX XXXX 2023
XXXX XXXX XXXX XXXX 2023
XXXX XXXX XXXX XXXX 2023
XXXX XXXX XXXX 2024
XXXX XXXX XXXX XXXX 2024
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kovo (MD)

Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent Kovo Inc you furnished alleged transaction on my { XXXX, XXXX } that you identified as late. 
15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report. 
You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports. 

The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( 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.

In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.

15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.

A creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date. 
Do not rely to me stating that you are furnishing accurate information because we both know your not. 
Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).

If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2. You have 10 Calendar days from the receipt of this notice to provide the required information or delete the transaction you have listed as late : { List Late Payment account/s } XXXX XXXX _________________________________ Without Recourse UCC 1-308
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XX/XX/XXXX : Account Name : XXXX XX/XX/XXXX : Account Name : XXXX XXXX XXXX XXXXXX/XX/XXXX : Account Name : XXXX XXXX XXXX XXXX XX/XX/XXXX : Account Name : XXXX XXXX XXXX XXXX XX/XX/XXXX : Account Name : XXXX XX/XX/XXXX : Account Name : XXXX XX/XX/XXXX :
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I settled the balance of loan in agreement with XXXX XXXX. I was told over the phone that if I paid and settled the debt that the account would no longer be reported onto my credit report. They have not honored the agreement even after cashing the cheque sent to them from me. They cashed the check and sold the debt in it's entire balance to XXXX XXXX agency. They both are reporting the debt in it's full balance as an open collection.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This serves as an official letter, and I am choosing to opt out of the XXXX XXXX XXXX XXXX. I want to permanently opt out of XXXX, XXXX, XXXX, and TransUnion, and provide to businesses that send firm ( preapproved/prescreened ) offers of credit or insurance. I also want to remove my name from the list for firm offers of credit or insurance.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with 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 XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/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 : Also states a consumer reporting agency shall not furnish an account without 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 items 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 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from 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 XXXXXX/XX/year>
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My requests to correct and remove false and inaccurate information on my credit report keeps getting denied and/or disregarded. As a consumer, I know I have rights and that very right is being violated with what these companies are reporting on my credit that are not the maximum possible accuracy. It's hurting my credit score and impacting my life negatively.
Consumer complaint received 2023-10-31
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. (CA)

This a formal complaint that there is inaccurate and incomplete credit information. I am distressed that that the information included in my credit report profile, and have failed to maintain reasonable procedures the operations to assure, maximum possible accuracy in the credit reports that are published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore needs to be re-investigated. I respectfully request to provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from my credit report as soon as possible : XXXX XXXX Bankruptcy Reference # : XXXX. The item listed is entirely inaccurate and incomplete, and as such represents a very serious error in the reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes. FCRA 15 USC 1681
Consumer complaint received 2023-04-03
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: KP ASSET CONSULTING LLC (CA)

XX/XX/2023 spoke with KP asset consulting for a claim from XXXX XXXX, the representative claimed to be a federal agent. Also on this date and many others KP asset consulting has called and harassed my sister, mother and neighbors, from their location specialist who goes by XXXX.
Consumer complaint received 2023-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2024-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I opened a Bank of America checking account on XX/XX/year>. I received a virtual card so I went to deposit {$770.00} in cash to their outdoor ATM. During the deposit they atm gave an error message saying it wasnt going to return my cash or deposit I needed to contact the number on the receipt. I went inside BofA and they said they couldnt help to call customer service. I called to make the claim they said they would credit the account temporarily and they have not. It has been almost 7 days and Ive called every other day without a resolution even when escalated to managers. They refuse to credit my account with the cash amount I put in their atm. I am upset and frustrated as this was my car payment and its now past due and could be taken away as I am going through a financial hardship right now and that was the only money I had for my bill. No one has cared or helped I just get the run around and I am tired of it.
Consumer complaint received 2023-10-31
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. (TN)

In accordance with the FCRA, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 inaccurate items on my credit report are due to ID Theft, ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
This has been reported via police report and FTC Affidavit of ID Theft. True Name ID Fraud was listed on my credit report after I found out, but for some reason now they show up under collections. This is prohibiting me from getting my credit score back to Pre-ID Theft which was a XXXX. After all this fraudulent activity and reporting, it is low XXXX and has caused damage to me and my business as well. Reports show that fraudulent account was opened XX/XX/XXXX, XXXX in my attached report it shows that they were 'assigned ' over a month before the open date!
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or rectify the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-20
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. (MS)

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 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (SC)

XXXX, XXXX, Equifax have all violated my privacy of student loan information, reporting it to public on credit reports without getting consent, giving it to third parties. Also, there are false indications on my credit report from all 3, I have attahced XXXX under the XXXX loan stating that I was making payments with that loan. I never made any payments. I am protected under The Family Educational Rights and Privacy Act Of 1974.
Consumer complaint received 2023-10-31
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. (MD)

Dear Sir/Madam, I am writing to file a formal complaint against XXXX, a consumer credit reporting agency, for their failure to comply with the request to block all items related to identity theft under section 605B of the Fair Credit Reporting Act ( FCRA ). 

In XXXX, I submitted a formal request to XXXX to block all items pertaining to identity theft within four business days as stipulated under section 605B of the FCRA. This was in response to incidents of identity theft that have affected my credit report. However, despite the legal obligation and the time-sensitive nature of the request, XXXX has failed to take the necessary actions within the specified timeframe. 

This delay in action from XXXX has placed me in a precarious position, exposing me to potential financial risks and further damage due to the unresolved issues related to the identity theft. I have made multiple attempts to contact XXXX to expedite this process, but to no avail. 

I am seeking the intervention of the Consumer Financial Protection Bureau to address this matter promptly and ensure that XXXX complies with the legal obligations set forth in the FCRA. I urge your office to investigate this non-compliance and take the necessary actions to enforce the provisions of the FCRA, thereby protecting consumer rights and preventing further harm due to the negligence of XXXX. 

Enclosed with this letter are copies of all relevant correspondence, including the initial request made to XXXX, as well as any additional documentation deemed necessary to support this complaint. 

I kindly request that the Consumer Financial Protection Bureau take swift action in investigating this matter and take the appropriate steps to rectify the non-compliance exhibited by XXXX. Your prompt attention to this issue is greatly appreciated. 


Thank you for your attention to this matter.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Affirm Holdings, Inc (FL)

Id like to file a complaint against Affirm for Credit Discrimination violating my rights Pursuant but not limited to 15 USC 1681a, 15 12 CFR 1002 and 15 U.S. Code 1691. Section 16 of the Federal Reserve Act says that while applications are graded they can not be denied. Moreover, Affirm continued to violate me According to 15usc1681n they were willfully non-compliant because I notified them of the previous violations and they refused to fix the issues.

As a federally protected Consumer, I have been constantly denied an extension of credit by Affirm on multiple occasions which caused me very much undue stress and emotional damage for being treated less favorable than other applicants. I submitted an application to extend credit several times ( dates will be attached ) which Affirm continued to deny. As you may be aware, an adverse action against a consumer is against Federal law. Pursuant to 15 USC 1691 ( a ) ( 3 ), I have been violated. I have the right to credit under the Truth In Lending Act 15 USC 1602 ( f ). I understand what a credit card is and that I used my credit card to credit transactions, pursuant to 15 USC 1602 ( 1 ). Also, the constant denials to extend my credit was made partially or wholly based on discriminatory evidence and that by law a credit denial is fraudulent under UCC 15. 1611 due to negative remarks, inaccuracies and discrepancies that Affirm have reported against me.

Furthermore, Affirm proclaiming an adverse action against me is an unauthorized use of my credit card from which, I received no benefit, pursuant to 15 USC 1602 ( p ).

Additionally, subject to the requirements referred to in subsections ( b ) and ( c ) of 15 USC 1691, states it shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction.