davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-24
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)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX have 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 an account without my written instructions.
Consumer complaint received 2023-05-01
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Lockhart, Morris & Montgomery Inc. (MO)

In XX/XX/XXXX, I attended the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This seemed like an acceptable arrangement to me. 

However, XXXX terminated my employment for unknown reasons on XX/XX/XXXX, by email. Within minutes of receiving the termination notice, I contacted XXXX XXXXXXXX the driver manager that sent the notice, and asked for the reason for the termination. He never replied. There also was no response from XXXX human resources as to the reason of the termination. 

In the first week of XX/XX/XXXX, XXXX contacted me twice by phone to request I reimburse the company nearly {$6000.00} for training. I asked the first XXXX representative, who identified herself as XXXX, to stop calling me and send the demand for reimbursement in writing as I would respond in writing that I didn't feel I owed the debt. No written demands were received at this time from XXXX. 

The next caller a few days ago identified herself as being from XXXX XXXX in XXXXXXXX XXXX. I informed her that I had already told XXXX that I wanted the demand in writing and not to call. This representative informed me that she could call me because she was from another division of XXXX. Obviously, I don't agree with her assessment of the situation. At any rate, I again informed her to stop telephoning me and send me a demand in writing as I didn't feel I owed nearly {$6000.00} for training. 

A week later, this same person from XXXX XXXX called again. I informed her that a registered letter was sent to the Vice President and General Counsel of XXXX relating my position, objecting to the debt, objecting to any negative report to credit reporting agencies, and demanding XXXX and its agents stop calling, only contacting me in writing. 

On XX/XX/XXXX, I received a letter from XXXX XXXX saying I owed a debt of nearly {$6000.00} for XXXX XXXX XXXX. I responded with a letter providing the reasons for why I didn't feel I owed the debt and objecting to any negative report to credit reporting agencies. 

On XX/XX/XXXX, I received a letter from Lockhart , Morris & Montgomery, a collections agency in XXXXXXXX XXXX again demanding payment for the debt. On XX/XX/XXXX, it appears Lockhart , Morris & Montgomery have reported this debt to credit reporting agencies, resulting in a reduction of my credit score by XXXX, in violation of the Fair Debt Collections Practices Act. 

I feel XXXX XXXX XXXX and Lockhart , Morris & Montgomery are simply engaging in a systematic campaign of harassment in violation of the Fair Debt Collections and Practices Act.
Consumer complaint received 2024-04-30
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. (GA)

Company reporting inaccurate information on my consumer credit file. Making it extremely difficult to obtain the necessary essentials. It is the responsibility of the consumer credit agencies to provide information that is fair and equitable to me, the consumer. Per 15 usc 1681a Acurracy and fairness of credit reporting. 

Also it is in the Privacy Act of 1974 that state it is the duty of the company to provide disclosure to the individual, obtain written consent before reporting inaccurate and any information.
Consumer complaint received 2024-04-30
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. (OH)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-30
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. (SC)

I received the response to my complaint and I am unhappy. I have been violated as a consumer and all the company has to say is verified as accurate. I requested the method of verification and I also did not ask to verify these accounts. I reported that my rights were being violated and I was not provided any explanation about how USC 15681b have been violated. The following accounts need to be removed immediately. I did not ask for the accounts to be verified or validated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-30
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. (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  Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 2024-04-30
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'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX Balance {$480.00} XXXX XXXX XXXX XXXX  Balance {$73.00} XXXXXXXX XXXX XXXX  Balance {$19000.00} XXXX XXXX Balance {$2900.00} XXXX XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX  Balance {$5800.00} XXXX XXXX XXXX  Balance {$170.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXXBalance {$0.00} XXXX XXXX XXXXBalance {$0.00} XXXX XXXX XXXX Balance {$380.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$410.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (VA)

Now and then, I go to XXXX XXXX XXXX to obtain my credit report from all three credit bureaus : Equifax, XXXX, and XXXX. In the past, I never had an issue getting my credit report from all three, and the last time I was successful at getting all three was on XX/XX/year>. 

On XX/XX/year>, I attempted to get these three credit reports again. I successfully received my credit report from XXXX and XXXX, but when trying to get my Equifax credit report I received the following message, We've experienced an issue processing your request. We're sorry, we are unable to process your request at this time. You can try again later or call XXXX for automated assistance. You can also write to us at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. I tried numerous times, including today, XX/XX/year>, but I always get the same message. 

I then went to my portal directly at Equifax, XXXX XXXX XXXX XXXX XXXX While I can see my credit score, if I try to see anything about my credit report, I always receive a message that says, We are temporarily unable to complete this request. Please try again later. 

I have contacted Equifax about this at XXXX numerous times starting on XX/XX/year>. I called them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I am told each time that nothing on my credit report had changed so they will escalate my issue to the technical support team. 

It is important to note that on XX/XX/XXXX, I spoke with a gentleman who said he saw a pending item on my file that should not be there. He said it was a phone number that was in the wrong field. He did not say if it was my phone number or not. After speaking with his manager, the phone number was removed and there were no more pending items. I was told that would fix the issue, but it did not. 

While Equifax has offered to mail me my credit report, I should be able to access it online immediately like everyone else. I should not have to wait for snail mail every time I want to make sure the information Equifax has on my credit report is accurate. 

When I researched this issue online, many others had and continue to have this same issue. Some claim it is a split file issue, others say if they remove and put the credit freeze back on it corrects itself, and others give different suggestions. Overall, many have complained they brought this issue up to Equifax, but it has been 3 months, 6 months, 8 months, etc. with no resolution. Nobody knows the true way to fix this issue. 

A bigger problem is, which many have claimed, that lenders will now have trouble accessing ones Equifax credit file because of this issue and that will make it so one can not get additional credit, refinance their mortgage, etc. because of the lack of access to their Equifax credit file. 

I consider this to be a high priority, so if this may please be addressed and fixed ASAP, that would be appreciated. Thank you.
Consumer complaint received 2024-04-30
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. (CA)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-30
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. (TX)

Despite providing thorough documentation and adhering to the prescribed procedures, it is deeply concerning that the problem persists without resolution.

This recurring issue not only causes me significant inconvenience but also undermines my confidence in your organization 's ability to handle such matters competently and effectively. It is unacceptable that despite multiple attempts, the late open account remains unresolved, raising questions about the reliability and accuracy of your record-keeping processes.

I implore you to prioritize this matter with the utmost urgency and take immediate steps to correct the late open account entry on my record. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. With this, I am asking for your assistance to correct this account in my credit file : XXXX/DOFED XXXX Balance Owed : {$0.00}.
Consumer complaint received 2023-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (PA)

On XXXX there were fraudulent charges on my credit card in the amount of {$14000.00} and the funds were taken from my checking account on XXXX XXXX, XXXX that was linked to autopay for my credit card charges. I notified my credit card company about the fraud and I was reimbursed twice in error, once on XX/XX/XXXX with a paper check and once on XX/XX/XXXX with ACH reversal. On XXXX XXXX I received a bill from my credit card company for {$14000.00}. On XX/XX/XXXX my bank manager helped me get a cashiers check for {$14000.00} and I mailed it to my credit card company the same day certified mail, return receipt requested. The due date on statement was XX/XX/XXXX, and they received payment on XX/XX/XXXX. I was surprised when I received a statement in XX/XX/XXXX indicating I owed them {$110.00}. When I called them to inquire about the bill on XX/XX/XXXX I was told it was 3 days interest because they claimed I didnt meet the payment deadline. I then mailed them copies of all documents to prove I did indeed send payment on time on XX/XX/XXXX. I received another bill from them for {$150.00} since they tacked on late fee and additional interest charge with a due date of XX/XX/XXXX. 
I have called about this numerous times and they are only willing to waive a portion of the interest.
Consumer complaint received 2018-08-30
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. (NY)

Since XX/XX/2017 I have been disputing a XXXX XXXX XXXX account on my credit that I don't remember having. I have sent 3 separate letters and the credit bureaus responded stated that they verified that the account belong to me so I said fine, send me proof and to date they have not responded with any proof. They keep sending the same computer generated report which states that the account is verified.
Consumer complaint received 2023-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. Section 604 ( a ) ( 2 ) allows CRAs to furnish consumer reports in accord with the written instructions of the consumer to whom it relates. ( 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. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

Company responded STATUS Company responded on XX/XX/2023 RESPONSE TYPE Closed with explanation Company 's Response Due to this dispute, we have removed this account from the consumer 's credit report. The account is still open in our office. The consumer is free to contact our office to discuss what they believe is incorrect about this balance/account. 

Feedback provided STATUS Feedback provided on XX/XX/2023 Your feedback THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No ADDITIONAL COMMENTS This is still reporting on my credit report under XXXX XXXX XXXX I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS This is still appearing on credit report. Please delete from credit profile THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No ADDITIONAL COMMENTS Did not delete from credit report What happens now? 


Company agreed to delete still showing on my credit report has been over 14 days Still reporting on TransUnion under XXXX XXXX XXXX Last reported XXXX XXXX, 2023 XXXX XXXX XXXX  Last reported XXXX XXXX, 2023 XXXX XXXX XXXX Last reported XXXX XXXX, 2023
Consumer complaint received 2024-04-30
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)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-30
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX