davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-30
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. (UT)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX ( Original Creditor : 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have made serveral attempts to resolve my issue with XXXX XXXXXXXX XXXX in regards to validate the account, not the balance. I havent received know payment history or any verfication that the account is accurate and/or beloning to me. I 'm willing to assume ownership only if they provide me with sufficient evidence that this account was truly mine and proof of the payment history verifyng the amount owed is correct. I 'm concerned that this account may not belong to me, and/or the reporting to XXXX, XXXX and Transunion may be inaccurate. In complaince with FCRA 623 ( a ) ( 8 ) ( D ) and acting regulations published at 74 Fed Reg 31484 ( XXXX XXXX, XXXX ), this notice includes. Basis of disputed : On XXXX acct # XXXX shows no payment history, only charge-off history.Open date XXXX/XXXX/XXXX, last updated XXXX, charged-off XXXX with last payment dated XXXX/XXXX/XXXX. Transunion shows last payment dated XXXX/XXXX/XXXX and a close date of XXXX/XXXX/XXXX with no payment historyXXXX XXXX shows only the only a open date XXXX/XXXX/XXXX with no payment history only a charge-off history. My question is how are the bureaus completing an investigations without updating the account with payment history, only a stating that it 's valid.
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: EQUIFAX, INC. (PA)

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identi theft!! Please delete these items as soon as possible!

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 und 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. 

Account Name : XXXX XXXX XXXX
Consumer complaint received 2023-08-28
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. (GA)

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

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

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX XXXX Balance : {$7100.00} ; XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX  Balance : {$1600.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX  Balance : {$250.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX  Balance : {$90.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX  Balance : {$190.00} ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/year>, while reviewing my credit report from XXXX, XXXX, and TransUnion, I discovered several unauthorized hard inquiries. These inquiries were made without my consent or knowledge and may negatively impact my credit score.

Actions Taken : Notification to Credit Reporting Agencies : In accordance with the Fair Credit Reporting Act ( FCRA ) USC Code 1681i, I have submitted disputes to XXXX, XXXX, and TransUnion. I have requested a thorough investigation into the unauthorized hard inquiries and the prompt removal of these inquiries from my credit report. 
Direct Contact with Companies : I have also directly contacted the companies associated with the unauthorized hard inquiries to inform them of the unauthorized nature of these inquiries and request clarification. This action aligns with the requirements outlined in the Fair Credit Reporting Act ( FCRA ) USC Code 1681s-2 ( a ).

Additional Information : Relevant USC Codes : Fair Credit Reporting Act ( FCRA ) USC Code 1681i : Procedures for Reinvestigation of Disputed Information Fair Credit Reporting Act ( FCRA ) USC Code 1681s-2 ( a ) : Responsibilities of Furnishers of Information to Consumer Reporting Agencies CFR Codes : 12 CFR 1022.43 : Duties of furnishers of information to consumer reporting agencies regarding the accuracy and integrity of the information furnished
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: EQUIFAX, INC. (TX)

This company was involved in a data breach. My information was confirmed as affected in their system. However i provided them with information indicated that my information was involved in a scam in XXXX yet they neglected to acknowledge my documentation. Aside from that the breach itself violates privacy and securities laws and are against the data protection act. I do not feel secure with the lack of security they have with my information. my personal information was breach and potentially leave the possibility of identity theft In the future. I do not feel safe and id like to acknowledge my concerns with the company. And at the least would like to be accommodated with ensuring the security of my privacy.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

There is an account on my credit report from a gym called XXXX, XXXX XXXX XXXX XXXX. The information states the I had an account with this gym and that it was not paid. I never had a membership at this gym and never signed up for any membership at this gym. The account is not mine. I have sent letters to all three credit bureaus as well as the collection agency explaining that these accounts are not mine and they have still not removed the incorrect information.
Consumer complaint received 2024-05-30
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)

As per FCRA 605B, any incorrect accounts should be removed from my credit report. Could you please review the documents? Some listed accounts have inaccuracies, such as incorrect amounts and dates.
Consumer complaint received 2023-06-03
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: HCFS Healthcare Financial Services of TeamHealth (TX)

ARS ACCOUNT RESOLUTION has continued to put an account on my credit report. I have no idea what it is for, nor have I received any mail from this collection agency. It was opened on XX/XX/XXXX. It now shows on my report as a collection account stating {$1.00}, XXXX past due as of XX/XX/XXXX. I have disputed the account through experian and attempted to reach out to the collection agency for supporting documentation. I am now reaching out to your company for some support. 

Thank you kindly.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Midwest Acceptance Corp. (MO)

I noticed some unauthorized inquiries on my credit report. According to the FCRA section 605B it is illegal to report information on my credit report without my permission. 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
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NCB Management Services Inc. (AL)

According to the Fair Credit reporting ACT 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " it is the policy of the Congress that each financial system has an affirmative and continuing obligation to protect the privacy of it's customers and to protect the security and confidentiality of those customers ' nonpublic personal information. Furnisher of information to credit agency is a financial institution by definition under title 15 USC 1681 section 604 section 2 states " in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructionsof the consumer to whom it relates. '' Furnisher of information to credit agency the financial institution and the consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information or my written consent. Any and all consent to XXXX, XXXX, Furnisher of information to credit agency whether it be verbal, nonverbal, written, implied, or revoked is USC 6802 ( b ) ( c ) states that " a financial institution may not disclose non-public personal information to a non affiliated third party unless -- the consumer is given of explanation of how the consumer that nondisclosure option. Furnisher of information to credit agency never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( d ) ( 5 ) states " except as authorized under subsection ( b ) 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 antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. code 168s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX  and XXXX  are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that a consumer may exercise the right to opt out at anytime. I am opting out of your reporting services.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My account with XXXX  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 in those account to be removed.

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. 


XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


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! 

Delete the late payments from my consumer reports
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

A credit card account from XXXX that had been " charged off '' suddenly appeared on my credit report in XXXX. It was a card that I was legally only an authorized user on, and my ex-husband was the primary. Per our divorce decree, I am not legally or financially responsible for any credit cards ( open or closed ) that I wasn't the primary user on. This card has never appeared on my credit report before, and because it was " charged off '' after him not paying it for the last 2 years, it suddenly appeared on mine. The account has been closed for almost 2 years and was sent to collections. XXXX has said they are unable to remove my name from the account because it has already gone to collections. And I have disputed the account with both XXXX ( it was immediately approved and dropped ) and Equifax ( disputed 3 times and faxed my divorce decree documentation, but they have denied the request to remove the account ). I am trying to apply for a loan, and the fact that this account suddenly appeared instantly dropped my credit score by almost XXXX points, and my loan has been denied due to this " charge off '' account. I desperately need this card to be removed as soon as possible from the Equifax credit report, as I have full custody of my XXXX children and receive no child support from their father. If removed, I would be able to get a loan approved.
Consumer complaint received 2020-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (PR)

According to Regulation Z ( Thruth in Lending Act ) my rights as a consumer have been violated. Regulation Z indicates that the banking institution in this case Citibank must send a notice of changes in the terms of the account 45 days before this applies to credit cards, revolving accounts, Heloc, etc. This institution reduced 2 credit cards without any notice as stated by Thruth in Lending Act (  TILA ) 45 days before so the client decides to evaluate the change and decide whether to keep the account or cancel it, Citibank carried out an illegal or discriminatory practice. This had an adverse effect on my credit. 

Accounts that did not comply with Regulation Z. 
XXXX XXXX XXXX XXXX From XXXX it was reduced to XXXX, lowering my score since when I did this practice without prior notice 45 days before as stated in the regulatory requirements of a 50 % increase to 99 % of use of the credit, the same happened with the XXXX XXXX XXXX XXXX of {$1500.00} which was the credit limit they lowered it without notice to {$900.00}. I hope I resolved this crass error because I will climb to the last consequences. XX/XX/XXXX THE EMPLOYEE ATTEND ME XXXX XXXX BALANCE NOW {$990.00} PREVIOUS LIMIT {$2000.00} NOW LIMIT {$1000.00}. FOR THE STATEMENT OF XX/XX/XXXX ( XX/XX/XXXX TO XX/XX/XXXX ) I REALIZED THAT CITIBANK HAD REDUCED MY CREDIT FROM {$1500.00} To {$900.00}. I DID NO RECEIVE ANY NOTIFICATION AND BEFORE MAKING THIS COMPLAINT, CALL CUSTOMER SERVICES XXXX XXXX # EMPLOYEE # XXXX. THEY SAY THAT THEY DO NOT KNOW THE REASONS
Consumer complaint received 2024-05-30
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)

After reviewing my credit report I found that there were multiple late payments on my credit report that the creditor has been unable to verify them or provide documents proving I made late payments. Any reporting late payments or derogatory status is a direct violation of consumer law 15 USC 1681a ( d ) ( 1 ) this information is providing negative information it must be removed without validating these facts. 
Credit account XXXX XXXX XXXX XXXX I never gave written consent for these late payments to be reported under 15 US Code 1681b
Consumer complaint received 2024-06-28
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: Experian Information Solutions Inc. (NY)

I am formally disputing and requesting the correction of inaccurate data on my credit report regarding late payments. It is crucial that this account is corrected to accurately reflect the payments and that any erroneous information is rectified promptly. 
In cases where delinquency is reported, I insist that the payment date be appropriately reflected to cover the delinquent period. Any reported late payment was rectified by making a payment within a reasonable time-frame. Therefore, I expect the credit report to accurately represent the payments made, without any indication of missed or late payments. 
Regarding the account : XXXX XXXX XXXX
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

The following accounts are incorrect, and they are adversely affecting my livelihood. 

XXXX XXXX XX/XX/XXXX, XXXXUnauthorized Inquiry XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX