davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-03
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. 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 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 informationisinaccurate.
Consumer complaint received 2023-12-09
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. (KY)

My car was stolen containing my ID and social security card on XX/XX/2023. Since then I have placed a fraud alert on all 3 credit bureaus. I provided a police report # which is XXXX and a Federal trade commission identity theft # which is XXXX. I had a lot of fraudulent inquiries and even a credit card account fraudulently opened. I have disputed all of this my problem is the credit bureaus have been refusing to remove them saying the inquiries were somehow verified. I have not applied for anything since XX/XX/2023 This is a ongoing situation that I have to keep going thru because whoever has my information keeps on applying for credit so as I check my reports and see them then I dispute
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. (FL)

inquires all need tom be removed from my credit profile it is hindering my ability to work. also false info.

15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and XXXX XXXX alerts ( a ) One-call fraud alerts ( 1 ) Initial alerts Upon the direct request of a consumer, or an individual acting on behalf of or as a personal representative of a consumer, who asserts in good faith a suspicion that the consumer has been or is about to become a victim of fraud or related crime, including identity theft, a consumer reporting agency described in section 1681a ( p ) of this title that maintains a file on the consumer and has received appropriate proof of the identity of the requester shall ( A ) include a fraud alert in the file of that consumer, and also provide that alert along with any credit score generated in using that file, for a period of not less than 1 year, beginning on the date of such request, unless the consumer or such representative requests that such fraud alert be removed before the end of such period, and the agency has received appropriate proof of the identity of the requester for such purpose ; and ( B ) refer the information regarding the fraud alert under this paragraph to each of the other consumer reporting agencies described in section 1681a ( p ) of this title, in accordance with procedures developed under section 1681s ( f ) of this title. 



XXXXXXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-08-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (LA)

First and foremost, XXXX codes 15 USC 161-states no credit is denied 12 USC 412-applications are letter of credit 15 USC 1637 credit plans are open ended 15 USC Trust Penalty 100,000,000 dollars for illegal activity 15 USC 1602g Investors ( Myself ) are the creditors 42 USC 408 Cant Ask for SSN its fraud Also see durable POA and Affidavit Fee Schedule recorded for my protection of rights ; File number XXXX, will enforce if necessary. 
This is in regards reference numbers : XXXX, XXXX, XXXX, XXXX, XXXX all were denials due to XXXX scores. According to Department of the Treasury Office of the Comptroller of the Currency, 12 CFR Parts 1, 16, 28, and 160 ; OMG Control Number XXXX which was provided to Chief Executive Officers of All National Banks, Federal Savings Associations, Federal Branches and Agencies, Department and Division Heads, and All Examining Personnel. Description of the Final Rules stated, 12 CFR parts 1, 16, 28, and 160, the OCC is amending the definition of investment grade to remove references to credit ratings and nationally recognized statistical rating organizations ( NRSROs ). Where appropriate, the final rules replace the references to credit ratings based standards of creditworthiness.

As a new silent investor in American Express who provided registered valuable security in which I am entitled to a mutual benefit from those eligible receivables. I request that you honor this fair exchange of value and that you correct these card denials into immediate approval. As stated in your prospectus and 4.1 exhibit form, XXXX # XXXX has turned my applications into receivables, which means XXXX XXXX XXXX sold all rights, titles, interest, and obligations, to the Trust, Outlined in Section 9.06. Acknowledgement and Agreement of the Seller. By execution below, the Seller expressly acknowledges and agrees that all of TRSs Right, title, and interest in, to, and under this Agreement, including all of TRSs Right, title, and interest in and to the Purchased Assets, may be assigned by XXXX to XXXX XXXX, by XXXX XXXX to the Trust and by the Trust to the Indenture Trustee, and the Seller consents to such assignments. 

XXXX XXXX XX/XX/2018 ( b ) ( Security Interests. Except for the conveyance hereunder, the Seller will not sell, pledge, assign or transfer to any other Person, or take any other action inconsistent with XXXX  ownership of, the Purchased Assets, or grant, create, incur, assume or suffer to exist any Lien for municipal or other local taxes of the Seller if such taxes are not then due and payable or if the Seller is then contesting the validity thereof in good faith by appropriate proceedings and has set aside on its books adequate reserves with respect thereto ), and the Seller shall not claim any ownership interest in any Purchased Asset and shall defend the right, title and interest of XXXX in, to and under the Purchased Assets against all claims of third parties claiming through or under the Seller.
Consumer complaint received 2024-06-03
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 ( XXXX ). 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 2023-12-11
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. (DE)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-10
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. (TX)

TransUnion XXXX XXXX To whom it may concern. 
I recently received a copy of my credit report and found that you are illegally reporting inaccurate information about me. The following alleged account is listed as a collection with a PAST DUE balance of {$150.00} with XXXX and {$100.00} with TransUnion and XXXX. Also TransUnion shows a different account number. This is illegally reporting in several ways. Nothing between the 3 credit bureaus is accurate and match up down to the late payments that should not be reporting on a charged off account because it is already late by default. But you have XXXX reporting a payment XXXX of 2023 then XXXX reporting that same month as a charge off. Then in XX/XX/2023 XXXX reports that the account is 150 days late and XXXX reports 120 days late. But again there should be no late payments on a charged off account. I have included the letter from the creditor stating that what they reported is accurate and that any problems after are the fault of the bureaus. I need this removed now. This is a direct violations of my rights and illegal. You are suppose to report 100 % accuracy and this is far from that. 
Account Name XXXX Account # XXXX This is a violation of the FCRA and is also in violation of requisite Metro 2 Compliance reporting standards. 
According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, therefore any information that is not true, accurate and verifiable is required to be removed. 
I demand you remove the inaccurate account immediately to avoid further persecution from the CFPB and Federal Trade Commission. Please send me an updated copy of my credit report snowing your compliance with all FCRA and Metro 2 Reporting requirements.
Consumer complaint received 2023-12-10
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. (TX)

on XX/XX/ i order a credit report and found some discrepencies of hard inquiries that i never authorized to be run on my credit and 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. 


list of accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 204 a section 2 : also states consumer reporting agency can not furnish an account with my written instructions.

15 u.s.c. 1681 c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information 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. 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-10
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. (TX)

on XX/XX/ I ordered a credit report to check on it and found several hard inquries that were not approved by me and 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. 


list of accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 204 a section 2 : also states consumer reporting agency can not furnish an account with my written instructions. 
15 u.s.c. 1681 c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information 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. 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Consumer complaint received 2023-12-10
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. (PA)

I am XXXX XXXX I am a natural person and this is me XXXX XXXX  submitting this dispute. This dispute is not being submitted by a third party. 

( XXXX, TransUnion, XXXX ) unlawfully placed Late Payments from creditors on my consumer report. These reportings were not verified as required by law and they are also false. I demand that each late payment reported on my account be changed to ok or paid as agreed. For your Review : Please also see the law below regarding my consumer rights, you are herby put on notice. 

15 U.S. Code 1681 ( a ) - Definitions ; rules of construction | U S Code | | U S Law | LII / Legal Information Institute XXXX 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) -Exclusions- Except as provided ( 3 ) the term consumer report does not include Subject 1681s- 3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681s- 2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of Information to provide accurate information 1 ) Prohibition ( A ) Reporting Information with actual knowledge or errors XXXX have aided this Unfairness by not verifying the accuracy. 
Again as previously stated that the law states that adding late payments to ones consumer report is against the law under my consumer rights. 
15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The following accounts are showing 30 day late payments. Please update these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-09
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. (WA)

My information was bought illegally because I was a victim of the XXXX XXXX XXXX. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data and XXXX has done nothing to help protect me either. I want all address and variations on names that are not on the attached documents of proof as well as any and all hard inquires. Please see attached
Consumer complaint received 2024-07-13
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. (NV)

DEAR, TRANSUNION I WOKE UP TUESDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF A CRIME... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX  XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX  XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX XXXX  IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX,
Consumer complaint received 2023-12-10
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. (FL)

On XX/XX/XXXX, I contacted TransUnion regarding the inaccurate information on my credit report. Despite my initial inquiry, I have not received a response to date. Below are the details of the erroneous information and the necessary corrections : The account in question, XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$610.00} ), was never late. I request that TransUnion rectify this misinformation promptly on my credit report.
Consumer complaint received 2023-12-10
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. (MA)

am writing to file a formal complaint against XXXX Bank for their alleged violation of XXXX XXXX XXXX, XXXX CFR XXXX, FDCPA XXXX, and XXXX XXXX XXXX XXXX XXXX. I believe that their actions have infringed upon my rights as a consumer and have caused significant financial and emotional distress. 

I entered into a credit card agreement with XXXX XXXX on XX/XX/22. However, since the inception of this agreement, I have encountered numerous issues that have left me deeply dissatisfied and concerned about their compliance with federal and state regulations. 

Firstly, XXXX XXXX has failed to provide me with clear and concise information regarding the collection, use, and disclosure of my personal information, as required by 15 USC 6802. Despite my repeated requests for a detailed explanation of how my personal information is being handled, they have been evasive and non-responsive. This lack of transparency raises serious concerns about the security and privacy of my personal data. 

Furthermore, I have reason to believe that XXXX XXXX has engaged in unfair and deceptive practices, in violation of 16 CFR 313.7. They have consistently misrepresented the terms and conditions of the credit card agreement, leading to confusion and financial harm on my part. Additionally, their customer service representatives have been unhelpful and dismissive when I have sought clarification or resolution for these issues. 

Moreover, XXXX XXXX has engaged in aggressive debt collection practices, which have caused me significant emotional distressThese actions are not only in violation of federal regulations, such as FDCPA 807,808,809, but also demonstrate a complete disregard for consumer rights and fair debt collection practices. 

Additionally, I believe that XXXX XXXX  's actions may also be in violation of MGL Chapter 93A section 2, which prohibits unfair or deceptive acts or practices in the conduct of any trade or commerce. Their failure to provide accurate and transparent information, as well as their aggressive debt collection practices, may constitute a violation of this state law.

In light of the aforementioned violations, I kindly request that the Consumer Financial Protection Bureau thoroughly investigate my complaint against XXXX XXXX. I believe that their actions have not only harmed me personally but may also be indicative of a broader pattern of non-compliance with federal and state regulations. 

I would appreciate your assistance in resolving this matter and ensuring that XXXX XXXX is held accountable for their actions. Please find attached copies of relevant documents, including the correspondence with XXXX XXXX, and any other supporting evidence. 

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

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LTD Financial Services, L.P. (OH)

I received a notice from LTD financial services to collect a debt of {$870.00} on XX/XX/XXXX from an apartment complex I haven't lived in since XX/XX/2022. There was never a notice I still owed money to this complex nor have they reached out in almost a year regarding any issues with moving out. I am trying to dispute this collection. Everything was up to date with rent upon move out and keys were returned.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I've been a victim of identity theft. My information was exposed to the public in the Equifax data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.
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. (TX)

I have repeatedly tried to obtain validation from the company of the debt showing owed with no response since XXXX. Dispute after dispute with no action. It is illegal through the FCRA to report different amounts owed to my credit file with no explanation. I have been hung up on over the phone and talked to very horribly when trying to obtain answers. I have visited the office as well and nothing comes of situation at hand except being told I have to pay the loan in full. Remind you, since the opening of the loan I had tried to make small payments and was denied because it was not the amount the manager wanted me to pay. I was turned away.