davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-11
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. (FL)

I did NOT ASK FOR ANY INVESTIGATION A COMPLAINT was filed XXXX XX/XX/2023 for FCRA VIOLATION. 

I asked them to provide me ( the consumer ) my written consent to sell my personal information to a third party. They has failed to provide that information. 

THEY HAVE NONE. 

Again, I HAVE A RIGHT TO PRIVACY. 

TransUnion is willfully exercising deceptive means by responding to conduct a investigation that was NOT asked of them to DEFLECT their Violation. 

THEY ARE IN VIOLATION. 

15 U.S. Code 1681n - Civil liability for willful noncompliance a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o - Civil liability for negligent noncompliance TransUnion BEEN PUT ON NOTICE. 

I look forward to seeking Counsel for the violation.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX According to the IRS, This XXXX XXXX credit card is canceled, forgiven or discharged and it is taxable income to me, they refused to send me Form 1099-C, " Cancellation of Debt, '' for this debt that was withdrawn and written off, This debt collector has not provided me proper debt validation for this aege debt. Please delete this from my credit report.
Consumer complaint received 2023-08-04
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. (AZ)

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.
Consumer complaint received 2023-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 USC1681. 
these accounts XXXX XXXX XXXX XXXX XXXX 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  15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A section2 : It also states that a consumer reporting agency can not furnish 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 iteams of information Any other adverse item of information, other then records of convictions of crime which antedates the report by more then seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shaqll not furnish any information relating to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate.

15 U.S.C 1681i-5- reinvestigate
Consumer complaint received 2022-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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, has violated my rights. 

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 2024-06-04
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)

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 Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-11
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. (TN)

Hoping this message finds you well. I am reaching out today to provide a follow-up, as within the next 15 days, I will be updating my credit reports. I am conveying this message to ensure that you have successfully addressed the removal of all the items listed in this complaint, as well as those outlined in my previous communication dated XX/XX/XXXX. Additionally, I have re-attached my FTC Report # XXXX for your reference. Please review the listed items for removal for each bureau : XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , TN XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX **********TRANSUNION********** XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX {$590.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This debt collector XXXX has not provided me proper debt validation for this aged debt. Please delete this from my account.
Consumer complaint received 2019-06-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (MD)

Comenity Bank personnel call me once or twice day regarding another individual. They do not contend that I owe them money. Rather, they claim I am a secondary contact number for another. 

I have asked them to stop calling my number on three separate occasions. Each time I do so they falsely state they have never been asked to cease calling. 

The person who called this morning, Sunday, XX/XX/XXXX at XXXX XXXXXXXXXXXX. identified himself as Mr. XXXX and left a callback number of : XXXX, ext. XXXX.
Consumer complaint received 2019-04-29
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OK)

I had broken a lease in 2016 due to someone breaking into my apartment. That person lived in the same complex. I notified the police and they came out and didnt an investigation. I shortly after moved out. I am now having this apartment company put collection info on me. In Oklahoma all you need to do to break a lease is have your livelihood jeopardized or in danger. They ( XXXX  ) are reporting that I accrued this {$1500.00} in damages and other fees which is a fictitious lie. They are actually trying to get the three months rent. I have disputed this 3 times with Experian to no avail.
Consumer complaint received 2023-12-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to express my deep frustration and dismay regarding your continuous denial of my legitimate identity theft claim. Despite providing clear evidence, including a Federal Trade Commission ( FTC ) Identity Theft Report ( Report # XXXX ) and a police report from the XXXX XXXX Police Department ( Report # XXXX ), you persist in violating my rights by refusing to acknowledge and address the fraudulent accounts on my credit report. It has been over a year since I initiated this dispute, and the fact that it remains unresolved is not only unacceptable but also a direct violation of multiple laws governing consumer rights and fair credit reporting. I am left with no choice but to bring this matter to your attention and issue a final warning before pursuing legal action. Your refusal to take appropriate action not only disregards the evidence I have presented but also demonstrates a willful violation of the Fair Credit Reporting Act ( FCRA ) and other applicable laws. I demand, in no uncertain terms, that you promptly and thoroughly investigate my identity theft claim and take immediate steps to delete the fraudulent accounts from my credit report. Accounts : XXXX XXXX XXXX and XXXX XXXX.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NY)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2023-08-04
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: 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. 

Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX 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 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (UT)

I froze my credit reporting with all three large agencies. XXXX of them I was able to unfreeze easily. Experian provided a pin to unfreeze my account, however when trying to unfreeze my account, my SSN #, nor my birthday are recognized by the system. I am also not able to recover my user name through Experian system. I wrote to them to request a pin, however I am not able to enter the system to use the pin. When calling customer service now, I am unable to discuss or get help from anything besides the AI, and this is completely unhelpful and recommends I do the steps I have already completed. 

Bottom line, I am unable to freeze my credit score, because Experian website does not recognize me, and I can't communicate with a person to fix this.
Consumer complaint received 2024-07-08
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. (MD)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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.

These are the inquiries which should be off from report.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

In accordance with The Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) sections states : no consumer reporting agency may make any consumer report containing any of the following item of information, other than records of convictions of crimea which antedates the report more than 7 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 2024-07-24
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

When I attempted to use my card on XX/XX/XXXX at a coffee shop XXXX XXXX XXXX and it declined. Then I used my other credit card with them which was declined as well. I immediately contacted BOA customer service and I was informed that both accounts were closed. I did not authorize or request this. I contacted customer service by phone and they gave me a different phone number for billing then billing said that a different department handles this and gave me a different phone number. Everyone I spoke to on the phone confirmed that all my payments were made on time so they didn't know why the cards would be closed. I was not informed in advance or afterwards why the accounts were closed. I could not get a hold of the number that was provided and they stated that they sent out a letter but I never received one. They agreed that my payments were made in time and could not provide a lawful reason on why the accounts were closed. I informed BOA that they need to perform their fiduciary duty and open they accounts. They refused ansbarated that they can not do this.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2023-08-04
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)

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX  Balance : - XXXX XXXXXXXX XXXX  Balance : - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$10.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$27000.00} XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Balance : {$290.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XX/XX/XXXX