davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX {$810.00}
Consumer complaint received 2024-06-17
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)

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2024-06-17
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 am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX Inquiry XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hi I am submitting this XXXX XXXX XXXX this isn't under any influence of anyone else and this is not a third party. The three major credit bureaus are showing low and inaccurate credit scores and reports for me in their systems. I have complained numerous times for them to fix the situation about fully inaccurate items. The problem has not been resolved by any of them. Before these items were placed I had a XXXX and now they show me at a score like XXXX, that is a major scary difference. Transunion paints me as an untrustworthy consumer from the stuff that they placed. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization on my accounts. I have modest but ok income. Something is wrong with these bureaus. I do not understand why they are abusing consumers .They kept lying telling me they disputed n its not reporting but it kept reporting this inaccurate information without my authorization. They refused or were unable to verify and remove the inquiries and it's been 60days and they record the calls and admitted they had my police report n ftc and affidavit. That was after attempting to contact Transunion more than 21 times. These companies are supposed to be protecting consumers. They need to be corrected and I wish they would listen. they are causing me XXXX  XXXX and stopping me from getting this job offer that I have which is horribly stressful PLEASE HELP im extremely frustrated. 


XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-17
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. (NY)

In accordance with a Fair Credit Reporting Act the list of accounts below has violated my federally protect the consumer rights to privacy and confidentiality under 15 USC 1681 1 ) XXXX : # XXXX, Has violated my rights. 
15 USC 1681 section 602a States I have rights to privacy.

15 USC 1681 section 604 ( a ) Section 2 it also States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any Consumer Reports containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the reports by more than 7 years.

15 USC 1681 s-2 ( a ) ( 1 ) a person should 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 USC 6802, i never receive the required opt-out notice at the time the account that is being reported ( they never give me the opt-out notice ) .i have a right to opt-out from any reporting of non-public info.
Consumer complaint received 2024-06-17
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)

I am writing with grave concern over the continued presence of fraudulent, inaccurate, and misleading entries on my credit report despite my numerous attempts to have them corrected. The existence of these erroneous items has severely impacted my life, causing immense stress and XXXX. I must emphatically reiterate that I am a victim of identity theft and never authorized or consented to having this information wrongfully associated with my name and credit file.
Consumer complaint received 2024-06-17
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)

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, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX - XXXX
Consumer complaint received 2024-06-17
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. (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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) 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.
Consumer complaint received 2024-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

After a thorough review of my credit report, I have identified the following inquiries that I did not authorize and request their immediate removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-17
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. (MD)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-06-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-06-17
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)

I received a dispute results letter dated XX/XX/year> that false inquiries were deleted from my TransUnion credit report. As of today those deleted results are still on my report. 

I also requested that a fraudulent flagship credit acceptance account be deleted and it came back verified. How can I trust that the proper steps were taken when TransUnion has violated my rights to delete incorrect information. 

The false inquiries and the XXXX XXXX XXXX account needs to be deleted.
Consumer complaint received 2024-06-17
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)

XXXX XXXX XXXX XXXX has continued to refuse to correct their inaccurate reporting to XXXX, XXXX, and Trans union although they are reporting status is current. I am not disputing the time or when I made those payments as that is my payment EXPERIENCE which is my private EXPERIENCE making a transaction between ME and XXXX XXXX XXXX XXXX which I did not give permission to share my EXPERIENCE with the above mentioned third parties. Furthermore, despite having been charged late fees to bring the account CURRENT by which payments are no longer XXXX or any days late but they continue to refuse to correct accounts to " PAID AS AGREED '' as it should be because it is " PAID AS AGREED or else I wouldn't still have physical possession of the vehicle. Account is Recorded and Reflects CURRENT so all moths should be CURRENT as well.
Consumer complaint received 2024-09-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I am writing to formally lodge a complaint regarding an erroneous collection account that has appeared on my credit report. I have reviewed my credit report in detail and have identified this account as inaccurate and potentially damaging to my credit profile. 

XXXX Accounts- Amount : {$750.00} Amount : {$490.00} Nature of Complaint : Incorrect or unverified collection account Explanation of Complaint : The collection account referenced above does not accurately reflect my credit history. I have no recollection of this debt, and I firmly believe that this account has been reported in error. I am unaware of any debt that would result in this collection, and I request that you investigate this matter thoroughly. 

While I do not possess specific documentation related to this account, I am entitled under the Fair Credit Reporting Act ( FCRA ) to have any inaccurate or unverified information removed from my credit report. As part of your investigation, I request that you verify the accuracy of this account with the original creditor. 

If the account can not be verified, I request that it be removed from my credit report immediately. The presence of this erroneous collection is unfairly affecting my credit standing, and I trust that this issue will be resolved promptly. 

Please provide me with the results of your investigation and an updated copy of my credit report once the investigation is complete. 

Thank you for your attention to this matter. I look forward to your timely response.
Consumer complaint received 2019-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

I received an email today from Capital One stating they were closing my card account ( XXXX ) for inactivity. I called them stating I did not want the account closed. The rep checked and said there was nothing she could do. She stated this was a new program and couldn't do anything about it. I asked why I wasn't notified about this before they closed the account and did not receive an answer other than this is a new program ... and she's just answering the phone. I don't understand how the consumer is not notified ahead of time to stop this from happening. Instead all I get is an email stating this is happening, nothing you can do. I inquired how was I supposed to use the account when they had not sent out new cards and she looked and it stated the card had been returned but not other info was in the account. She verified the address and it was correct so I'm not sure what the deal was. This has a detrimental impact on me and I'm told there is nothing I can do, they can not undo what they've done. My credit rating will take a hit because of their actions closing this account. They've made no attempt to contact me thru email ( they obviously have it ) before they did this.
Consumer complaint received 2024-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This has been a continuous, ongoing issue. On XX/XX/XXXX, and it includes TransUnion and XXXX, with XXXX being the main culprit for not removing inquiries after I notified them of them being unauthorized and reminded them of the police reports on file. 

I called XXXX to notify them that XXXX unauthorized inquiries on my credit report, I reminded them that I am a victim of fraud and that they have my police report on file. They told me to snail mail them a letter explaining the unauthorized inquiries, XXXX  affidavit listing the unauthorized inquiries with the police report number listed on it, and my driver 's license and social security card. They have prevented me from disputing anything online. 

Traumatized as a victim of fraud ( that took years to clear my name from ) as well as a victim of their XXXX data breach of my date, I told them I was not comfortable sending any document with my full social security number on it and they stated that they understood, but to send what I could. I complied and sent everything they required of me, including a copy of my XXXX card with the first XXXX numbers of my social security number blacked out. 

XXXX sent me a letter dated XX/XX/XXXX, demanding me to send a document with my full social security number on it. 

Again, not only can I not do that in good faith, but I sent more than enough information for XXXX to remove all of the listed unauthorized inquiries. I sent everything they asked for listed above, including a detailed XXXX affidavit and police report that they also have on file. 

Why would a company such as XXXX, who has underwent a databreach several times damaging the consumers demand that we send out entire social security number with the only option of snail mail, while not offering an option for secure uploads? They have prevented me from disputing online.
Consumer complaint received 2023-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transaction to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made based on a material misrepresentation of fact by me, relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.
Consumer complaint received 2024-08-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (VT)

I have been trying to get in contact with the loan provider MOHELA, to solve my problems about repayment, viewing my dues, and setting up an autopayment. I have only had a lengthy call that ended with no help, and a single ( 1 ) piece of mail that says I owe money. When I go online though, it says I owe nothing and my account is in good standing. I know I owe money, but when I go to the " Make a Payment '' tab, it doesn't let me make a payment! I thought I was in an auto pay since XXXX, but apparently I only made XXXX payment and that my account is not eligible for an auto pay set up.
Consumer complaint received 2024-06-17
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 express my deep concerns regarding the recent activity associated with my account. Specifically, I would like to address the investigation process and the lack of notification about the results. 

It has come to my attention that no real investigation was conducted into my dispute. Under the Fair Credit Reporting Act ( FCRA ), it is mandated that all credit reporting agencies must ensure the accuracy and completeness of the information they report. This includes conducting a thorough and reasonable investigation upon receiving a dispute from a consumer. As part of this process, the results of the investigation must be communicated to the consumer in a timely manner. Unfortunately, I have not been notified of any findings or conclusions from such an investigation. 

Furthermore, according to the Fair Debt Collection Practices Act ( FDCPA ), debt collectors must ensure that all information provided about a debt is 100 % accurate and must verify the debt upon request. Any failure to do so is a violation of my rights under these federal laws.

Given these circumstances, I am requesting a comprehensive review of my dispute, ensuring full compliance with the FCRA and FDCPA. I also request that all findings be promptly communicated to me, along with any supporting documentation that verifies the accuracy of the information reported on my account.

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitute a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621.

This item found within my credit reports is not related to any transaction that I made. I am alleging that a person or company, without my authorization, used my personal identifying information to apply for goods, services, or money and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me significant distress and defamation of my character.

Thank you for your immediate attention to this matter. I look forward to a prompt resolution.