davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
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: Bread Financial Holdings, Inc. (DC)

The consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ) And Via The privacy act of 1774, my federally protected consumer rights to privecy and confidentiality as be violated 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 It also states a consumer reporting agency can not furnish a account without my written instructions. I am now opting out of any, and all authentication i the consumer may have given the Company written, and unwritten, verbal and nonverbal Via ( 15 USC 1602-1605 protection of public personal information ) this concern is not to verify or update any information The Account Ended in # XXXX  is marked on my report as a charge off that is now considered a certificate of indebtedness that is now considered income by the IRS also income can not be reported to ones consumer report. Also Via 15 USC 1681B Permissble purposes indicates that information should be 100 % accurate the account has inaccurate dates, and payments history the law also states it is illegal to report transaction history via USC 1681 A section 2
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XXXX XXXX, 2024, I sent a certified letter to the XXXX requesting detailed information regarding the investigation with results. No documents were received but, credit report was updated as " verified ''.
Consumer complaint received 2024-06-10
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. (PA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-06-10
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. (AR)

I've viewed a copy of my credit report and noticed today that they're multiple inaccurate and authorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and my credit report.
Consumer complaint received 2024-06-11
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. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-10
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. (GA)

Transunion, XXXX, & XXXX continue to report the account XXXX  XXXX Account # XXXX incorrectly. This XXXX XXXX account is reporting as a charge off but that is incorrect. Neither consumer agency has provided me with any evidence that they did a reasonable investigation to prove this account was indeed charged off. Financial institutions are insured by the FDIC so they do not take a loss and the contract is a security which bankrolls their business operations including the consumer agencies because they are paid to furnish deceptive information. Each consumer agency is listed in the New York stock exchange because they securitize consumer information but they do not suppose to have our private financial information. Unless each consumer agency proves the information they are furnishing is accurate I will sue,
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NY)

LexisNexis claims to offer a " Public Records Products Suppression Policy and Process. '' It's available here XXXX XXXX XXXX XXXX LexisNexis indicates individuals may submit suppression requests online and does not indicate how else ( if at all ) individuals can make a request. 

Unfortunately, the link LexisNexis provided is dead. It does not work. 

LexisNexis can't even be bothered to maintain a working website so that individuals can opt out from LexisNexis sharing all the private information it collects on them. 

I've attached a PDF of the broken link and a PDF of the initial site.
Consumer complaint received 2023-04-22
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: Experian Information Solutions Inc. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-06-10
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. (NC)

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX  Account name : XXXX  XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX However, they stated everything was complete and accurate which it is not and needs to be resolved. 

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

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

15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (CT)

I received a Text message from Radius Global Solutions stating a debt for collection had been submitted to them. If I did not contact them an adverse report would be submitted to credit reporting agencies. I have not contacted them suspecting a scam. Additionally, I filed a Fraud Alert with all 3 credit agencies. Text messages were received on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have paid my debts in a timely manner and maintained an XXXX credit rating for several years. The alleged debt is not mine.
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (FL)

On XX/XX/XXXX, I noticed my daughter 's credit card was being charged fraudulently, so I started the dispute process with Apple. The rep asked me to look over the rest of the charges on her card to ensure we got them all. I noticed a recurring charge of {$14.00} from XXXX that we did not notice, and the representative add the charges to the dispute. She had me check my XXXX account to make sure there were no services we mistakenly signed up for. There was not any on my account. The dates for these charges were XX/XX/XXXX until XX/XX/XXXX. There were numerous of other fraudulently charges that kept coming thru even after they supposedly reset her card. Finally, on XX/XX/XXXX I received an email from Apple stating that XXXX showed proof the charges were valid, and they were removing the provisioning credits for the XXXX charges. I called immediately and spoke with a representative asking what proof was provided. He said he did not know ; they are not allowed to see it. I said put a supervisor on the phone. How are you going to tell me you can not provide me with what proof XXXX provided to validate the charges. The supervisor told me they were unable to see the information. She would have to request the information be provided from XXXX and I should receive it in the mail in 7 days. Because of the continuous fraud attempts, I had to ask them again to reissue her another card number, because the old one was still receiving charge attempts. I never received anything in the mail, I texted today XX/XX/XXXX asking where the information is and was told they have to request it and send it to me in email. I keep getting the run around. All I would like is the information provided by XXXX. At one point the representative on the call even suggested that I call XXXX. I asked why I should call the merchant ; they can not search charges with my credit card number. This whole process has been a nightmare!
Consumer complaint received 2024-06-10
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. (TX)

I have reviewed my consumer reports and noticed that I had late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to their best ability with maximum accuracy. I have never been late on payments for the accounts that I have included in the PDF. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to be paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see the PDF attached.
Consumer complaint received 2024-03-06
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Healthcare Finance Direct LLC. ()

I ordered aligners from XXXX XXXX XXXX ( Creditor ) with Health Care Finance Direct as the payment processor, the first set of aligners came and they cut my inner cheek, i made a complain and they sent a new set of aligners but those were wrong too. I had a video conference call and sent multiple pictures, then they sent another set and those were worst than the first. So i booked an in person scan, i was told aligners will be shipped but that day XXXX XXXX XXXX  sized global operations and that was the end of that. 

Now I am told I will be sent to collections even though i have sent email correspondence of this account to XXXX processor Healthcare Finance Direct. I am told to keep making payments for aligners i never received to a company that has filed for bankruptcy.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to file a formal complaint against TransUnion, a consumer reporting agency, for their failure to conduct a reasonable investigation into disputed items on my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I mailed a dispute letter to TransUnion via XXXX certified mail, tracking number # XXXX XXXX XXXX XXXX XXXX XXXX, explicitly requesting an investigation into inaccuracies present on my credit report. Additionally, I disputed incorrect personal information listed on my report. In order to assist TransUnion in verifying my identity and address, I included essential documents such as a copy of my photo ID, social security card, and a recent bill displaying my current address. 

Despite these efforts and the legal obligations outlined in the FCRA, TransUnion has failed to conduct a reasonable investigation into the disputed items on my credit report. Instead, I received a response from TransUnion dated XX/XX/XXXX, stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

The FCRA clearly mandates that if a consumer disputes the completeness or accuracy of any information within their file at a credit bureau, the bureau is legally obligated to conduct a reasonable reinvestigation to verify the accuracy of the disputed information. TransUnion 's failure to fulfill this fundamental requirement constitutes a violation of my consumer rights. 

Enclosed with this complaint is a copy of the dispute letter sent to TransUnion, along with XXXX mail proof of delivery and TransUnion 's response, serving as undeniable evidence of my attempt to rectify these inaccuracies.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MD)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, DEPT OF ED Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX  Date of Inquiry XX/XX/XXXX
Consumer complaint received 2024-03-12
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION (FL)

I am writing to file a complaint against Credit Acceptance Corporation regarding their reporting practices and deceptive loan terms. Despite not providing qualifying documents to me like contracts or bills of sale, they've reported verified accounts on my credit report. This violates my rights under the Fair Credit Reporting Act ( FCRA ) and leaves me unable to verify the accuracy of the reported information. I have contacted this company on XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX/XXXX. And now again regarding this matter. I am unable to purchase a home due to this company reporting on my credit. 

Furthermore, Credit Acceptance Corporation 's actions appear to breach the Consumer Financial Protection Act of 2010 ( CFPA ) by misrepresenting key loan terms, taking advantage of consumers ' lack of understanding, and assisting dealers in deceptive sales practices. This company is hurting my credit score tremendously and putting me in a financial hardship to provide for my family. 

Under Section 15 U.S.C 1681 Law of the FCRA there should not be any damages on my credit report. Which is a defamation of my character. I have the right to request the Consumer Financial Protection Bureau to investigate this matter promptly and take necessary action to protect consumers like myself. I seek permanent injunctive relief, damages, and civil penalties as warranted.
Consumer complaint received 2024-03-10
Product: Credit 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: BARCLAYS BANK DELAWARE (MA)

XX/XX/2021 multiple charges totaling XXXX plus interest and fees for a grand total of XXXX I have made multiple calls to the credit card company and also the collection agencies involved with no results. These charges were made WITHOUT my permission as I was in another place at the time of all these purchases Not my charges!
Consumer complaint received 2019-06-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: ENCORE CAPITAL GROUP INC. (OH)

On my XXXX Credit report shows a charged off account of {$1200.00} from XXXX XXXX. I had called several phone numbers starting off with the number that was provided on my credit report. I spoke with XXXX at XXXX and she stated she could not locate an account for me and told me to call Collections at XXXX and I spoke with XXXX. She also could not locate this account and she transferred me to another department and I spoke with XXXX and he told me to call XXXX XXXX at XXXX. I spoke with XXXX and she said the account was due to a charge off from XXXX XXXX where I was a co-signer for a former Fiance. XXXX told me that the account was sold to Midland Credit and I would need to call them and follow up on making payments and/or settlement. I called XXXX and no one answered and the voicemail was full and couldn't take anymore messages. The final number I called was XXXX Midland credit management and spoke with XXXX and he could not locate my account or find out where it was. I have exhausted several attempts to settle this debt for {$1200.00} and no one can seem to find my account or accept payment. I don't know how to settle this debt or how to locate it.
Consumer complaint received 2024-06-10
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)

First of all XXXX keeps taking my score down and Im paring all my creditors on time as agreed. XXXX recently took my credit score down XXXX points. Ever since I opened a XXXX XXXX XXXX XXXX my credit score has decreased by the XXXX. 

XXXX reasoning for this low score is very contradicting.. XXXX, Trans Union , XXXX are affecting peoples ability to qualify for decent housing and transportation, which affects peoples ability to earn a living. 

Its a shame how my credit score is being decreased in such large numbers in such short period of time. Reaching out to these credit reporting agencies to no good. They continue to side with the merchant. Lets face it, they stand to make money if you feel forced to monitor your credit. This is so unfair. I feel like more than just my credit rights are being violated by all three agencies. 

Please see emails from XXXX inviting to apply with XXXX XXXX. Only emails I received from XXXX are emails trying to encourage me to take loans and sign up for their membership plan, advertisements, money marketing. See attachments One thing about resolution, you cant get it from these credit reporting agencies. No resolution abd no cooperation. Its senseless referring consumers back to them. Who is regulating them to be sure they are updating information and being fair, not deceptive and negligent.