davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge. 

In accordance with the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX section XXXX ( a ), it is mandated to ensure that consumer reporting agencies conduct their duties with fairness, impartiality, and a respect for my right to privacy. As a consumer, I am entitled to safeguard my private information, as supported by XXXX XXXX XXXX, which emphasizes the obligation of financial institutions to uphold customer privacy and confidentiality. 

Pursuant to XXXX XXXX XXXX section XXXX ( a ) ( XXXX ), consumer reporting agencies such as XXXX and XXXX and Transunion are only permitted to furnish consumer reports with the explicit written instructions of the concerned consumer. However, I have not provided any such consent for them or any furnisher of information to credit agencies to share my information. The Accounts in question are XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, XXXX XXXX XXXX ( b ) ( c ) stipulates that financial institutions can not disclose nonpublic personal information to nonaffiliated third parties without informing the consumer about their right to opt out of such disclosures. However, I have not been given this option by the furnisher of information to credit agencies. 


Moreover, XXXX XXXX XXXX ( a ) ( XXXX ) prohibits consumer reporting agencies from including adverse information in consumer reports without authorization. Yet, this account is being reported adversely without my consent, violating the law. 

Additionally, XXXX XXXX Code XXXX ( A ) ( XXXX ) mandates that information furnished to consumer reporting agencies must be accurate, while XXXX XXXX Code XXXX requires consumer reporting agencies to maintain reasonable procedures to prevent violations of FCRA sections and to limit consumer report furnishing to permissible purposes. However, XXXX and XXXX and Transunion are not adhering to these standards. 

Lastly, XXXX CFR XXXX affirms the consumer 's right to opt out at any time. Therefore, I am choosing to exercise my right to opt out of your reporting services.
Consumer complaint received 2020-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (WI)

I placed a total of 3 balance transfers in the month of XX/XX/XXXX. Two of those transfers were charged a 4 % fee and a 0 % interest rate. Those were of the amount of {$1500.00} and {$800.00} dollars. The third transfer was for 3.99 % with a 3.99 % rate. The XXXX percent balance transfers were completed on XX/XX/XXXX and are to expire on XX/XX/XXXX. The 3.99 transfer was completed on XX/XX/XXXX and is to expire on XX/XX/XXXX. I was told my payments would pay off the earliest balance first. 
Last month I looked at my statement and I see I have paid almost the whole 3.99 % balance while I have a majority of the XXXX percent balance left. After this month, I will be forced to have the balance revert to my current 18.24 % rate when my 3.99 rate was not set to expire until XXXX of next year. I contacted Discover along with a supervisor and all they did was lower my APR for only new purchases to 16.24 %. 
This is an unfair business practice as they are going to collect much more interest this way.
Consumer complaint received 2018-08-16
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: EQUIFAX, INC. (NY)

We are having a huge credit score problem. 

Two months ago, I hired a new nanny for my children. We added a credit card for her under our XXXX XXXX account for food and household expenses. Our understanding was that our liabilities would not show up under her name. In face, we were told so by XXXX XXXX. 

Two months later, my nanny 's credit score was completely ruined : It went from XXXX to XXXX in a matter of days. We always pay off our credit card each month and have never missed a payment. One month, we had a high balance mid-month which showed up on our nanny 's credit report ... even though it was under our names and not her name. 

I called XXXX XXXX to explain the issue. She is an extremely responsible person who had a XXXX credit report. How could her credit be ruined because of my balance ( which again, was not an outstanding balance and was paid on time )? 

XXXX XXXX again explained that she should not assume the liability and that they will issue a " deletion report '', which will delete our credit card information from her credit report. 

However, when we contacted the credit agencies, they said that her credit score will not go back after the deletion report. There is simply nothing that they can do. 

This is extremely unfair that a responsible, hard working person 's credit score can be ruined in such a manner. These balances were never under her name. More over, we were always in good credit standing because we paid this balance off on time. 

This type of random, aggressive credit score punishment has a major repercussion for her life. She can not rent an apartment or take out loans for other important things in her life. She is a responsible, hard working person who takes care of XXXX young children every day. This is extremely unfair and a failure of the system.
Consumer complaint received 2023-09-21
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. (CT)

I personally do not know this information but it is in my report damaging my status, please remove this soon, this is a mistake XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am unaware of the mentioned inquiries, and I respectfully urge you to address this matter promptly. Supporting documents have been enclosed for your reference. Kindly conduct an investigation into the matter and take appropriate actions for its resolution.
Consumer complaint received 2024-04-11
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. (LA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a XXXX party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

TO WHOM IT MAY CONCERN. 
I am writing to let you know that I recently received a copy of my credit report that your company publishes. I have disputed before and you all failed to block/delete and provide proof of validation for these accounts that do not belong to me. 
Upon review of my credit report, I found several items that are inaccurate or questionable. The numerous accounts in question are attached to my identity theft report. All the accounts are not mine and I am a victim of identity theft. Please respond within the time allotted to the FCRA for identity theft laws. 
Therefore, I am requesting that you please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the XXXX segments of the XXXX XXXX requirements including The Header Record, containing XXXX fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing XXXX fields, which provides the specific account information for me, The Trailer Record, containing XXXX fields, which summarized the data submitted to your bureau specific to my file. 
Under the Fair Credit Reporting Act, XXXX XXXX. XXXX, I am expressing my right to demand that you disclose your compliance with XXXX XXXX and disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

On XXXX and XX/XX/2024, I requested mailed correspondence regarding the removal of the collection account for XXXX XXXX XXXX, and I also sent a letter on several occasions, verifying my full name address and requested that any other information that is posted that is NOT my current information be removed.
Consumer complaint received 2023-07-18
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX XXXXXXXX
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

My personal statement reflects my unwavering commitment to ensure accurate and fair representation of my financial history. Under the fair credit reporting act, I advocate for the removal of inaccurate or outdated charge offs listed in this form from my credit report. I believe in the upholding my rights to accurate credit reporting fostering financial transparency and demonstrating responsible financial management. The accounts listed in this report should not be reflected on my consumer report as they violate my rights as a federally protected consumer according to 15 US code section 1681-E 1681-I and 1681S-2. I've request a thorough investigation into these discrepancies and prompt removal to uphold the integrity of my credit report and my consumer credit history
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Report Act XXXX, XXXX, XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602 A, States I have the right to privacy. 15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. This account reported twice on Transunion, and based on my knowledge I don't owe this debt collector. 
Legal action will be taken if you failed to re-investigate this account and provide the accurate information.
Consumer complaint received 2023-11-01
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. (MS)

With the ongoing {$11.00} XXXX dollars settlement, being filed against TransUnion. Like the other victims, I also feel like TransUnion has been giving out inaccurate credit reports and perpetually violating my rights. I've suspect that I'm a victim of identity theft, because TransUnion didn't lock or close my account during the violation. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (TX)

On XX/XX/2018, I submitted a complaint through CFPB ( XXXX ) to have a late payment from Discover removed from my credit reports. After the submission, I was informed by Discover that they would remove the late payment from all credit reports and I would be reimbursed for the late fees ( see attached documents ). After a couple months, I contacted a XXXX XXXX XXXX to inquire about the removal because it still showed on my credit reports that there was a late payment. He stated that it would be resolved in the next month or so. On XX/XX/2018, I checked my official credit reports to still see the late payments on my XXXX   and XXXX reports ( see attached documents ). I called XXXX XXXX last week and left a message explaining the situation but received no response.
Consumer complaint received 2024-02-04
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)

Have submitted several disputes via Trans Service Center online and have remained unsuccessful. 

Ive now had the original creditors state that theyve requested TransUnion remove derogatory information and inaccurate reporting from file and still unsuccessful.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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.

has violated my rights. Or a 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 2024-04-11
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WV)

This erroneous late payment on my account is causing me considerable distress, especially considering my history of punctual payments. I implore you to rectify this error promptly by removing it from my account, as it does not accurately reflect my payment habits.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

please investigate. please update late payment on this account to paid on time or paid as agreed. please see attached. 15 usc 1666b- timing of payments 15 usc 1681g -, I am expressing my right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning this account listed above that you are reporting in my credit report. If you do not have any documentation in your files to verify the accuracy of this disputed account then please update late payment or paid as agreed. immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). please UPDATE ALL LATE PAYMENTS ON THIS ACCOUNT TO PAID ON TIME... i did not give permissible purpose/ did not given written instructions to furnish this on my consumer report. 1681b ( a ) ( 2 )
Consumer complaint received 2023-10-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (MO)

I had routine physical lab services for a XXXX XXXX XXXXXXXX XXXX performed in a physicians office that had covered without question by isame nsurance previously fact Additionally, ,there was 12 to 18 month gap in communication from time of service until notification by provider of balances due. 

There was an extreme back up in communications by all parties that prevented timely discussion, objection, and resolution
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX of XXXX a letter was sent to the 3 different credit bureaus. 

ACCOUNT ( S ) OPENED BY IDENTITY THEFT : XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  + XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Consumer complaint received 2023-04-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC (GA)

The alleged original debt was from XXXX for collection of services on an account that had been closed prior. The debt was assigned to Sequium Asset Solutions , LLC in 2022. I immediately contacted Sequium Asset Solutions, on XX/XX/2022, in writing to provide proof that the account had been closed on XXXX informed them that the servicer XXXX XXXX  ) was trying to collect for services not rendered after the date of the closed account. I provided email confirmation of the closed account. Instead of responding to my request to correct the mistake, Sequium did not respond and instead assigned the alleged debt to XXXX XXXX XXXX On XX/XX/2022, I contested the debt again with Convergent. I did not receive a response. Now, it seems as though XXXX has assigned the item to XXXX XXXX. XXXX XXXX has NOT provided me with any necessary paperwork to date. 

I was alerted to this through my credit bureau. I am again contesting the validity of the debt and request prompt action in correcting the mistake. 

Each company has reported incorrectly to multiple credit bureaus. I request help and demand that each company correct their records AND work to remove any derogatory marks created on my credit report as a result. I also request confirmation that the matter is closed.
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, 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. (CA)

I've sent my dispute letter XX/XX/2022 stating that my Fair credit reporting act rights had been violated ( 15 US 1681, 1681b ) and that 1681n -the civil liability law states that my damages {$1000.00} per violation. 
I spoke to several representative ex- XXXX XXXX ( supervisor ) Even though I was calling regarding the file # they issued # XXXX they did not acknowledge my rights were violated over 60 days has past.
Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Your company is continually violating my privacy as a protected consumer. I have made multiple attempts to resolve this matter. I was denied my basic right of privacy without any regard. I am attaching a letter that contain some inaccurate information on my consumer report.
Consumer complaint received 2023-11-01
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: EQUIFAX, INC. (CA)

All that Equifax did was update the report saying that XXXX XXXX XXXX reported this alleged debt. I am still to get any information of the creation or this alleged debt, when it was created, who the retail merchant was or anything. 
If this is a debt from a vendor that I already paid off through another collection agency, this company is providing no information to be able to verify this and I feel that Equifax is not asking for all the information to be able to remotely make a connection like this.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-04-21
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX XXXX, Capital One Auto Finance and Credit card service been supplying XXXX XXXX, XXXX, XXXX and XXXX with harmful and negative information on me for over three years. These event are choosing me to loose sleep, develop XXXX hair loose, XXXX XXXX XXXX, waking up with night sweats, est. There has to be a clear reason that companies are attacking single minority women to the point that they weather me XXXX  instead of just following guidelines with the FDCPA and the IRS the CONSUMER. Please help inn this matter because I being attacked. There are several CHARGE OFFS and enough is enough I need the title to my XXXX XXXX please.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.