davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-08
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. (MD)

TransUnion Credit Bureau XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX Subject : Formal Dispute - Multiple Unresolved Disputes and Violation of FCRA Sections 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ) ( A ) Dear TransUnion Credit Bureau, I am writing to express my extreme frustration and disappointment regarding the repeated disputes I have submitted to TransUnion concerning an account with XXXX XXXX XXXX, XXXXXXXX XXXX XXXX and XXXX XXXX. Despite my consistent efforts to clarify that I do not owe this debt, TransUnion continues to verify the debt inaccurately, which constitutes a blatant violation of the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ) ( A ).

I have submitted multiple disputes regarding this account, clearly stating that I do not own this debt and providing comprehensive evidence to support my claim. This evidence includes a report to the Federal Trade Commission ( FTC ) [ Attach FTC Report ] outlining my grievances. It is crucial to note that this issue has persisted despite my diligent efforts to rectify it. 

The violations of the FCRA are as follows : 1. **FCRA Section 611 ( a ) ( 1 ) ( A ) : ** TransUnion has failed to conduct a reasonable investigation into my disputes. Instead, you have repeatedly verified the disputed account inaccurately without proper due diligence.

2. **FCRA Section 611 ( a ) ( 5 ) ( A ) : ** TransUnion has not provided me with written notice of the results of your reinvestigation into my disputes within the legally mandated timeframe. 

I demand that TransUnion initiates an immediate and comprehensive investigation into the XXXX XXXX XXXX account, considering the multiple disputes I have submitted and the supporting documentation, including the attached FTC Report. This investigation should result in the removal of the account from my credit report, as it is in violation of my rights under the FCRA. 

I expect a written response within 30 days of receipt of this letter, outlining the actions taken to rectify this situation, or I will be left with no option but to pursue legal remedies and seek damages for the continued violations of my rights. 

TransUnion must address this matter urgently and with the utmost seriousness. Failure to do so will have legal consequences and severe reputational implications. 

Sincerely, [ XXXX ] [ Enclosure : FTC Report, proof of delivery ]
Consumer complaint received 2018-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have been disputing accounts on my consumer credit reports every thirty days since XX/XX/2018. I have requested verification and each time they respond verified ; I have requested method of verification and each time they respond with verified ; I contacted each account, and each business has responded by stating their records do not indicate any dispute and/or investigation from any credit bureau has ever taken place ; ignoring and/or overlooking each of my requests and unable and/or unwilling to comply with consumer rights and Federal Law.
Consumer complaint received 2023-09-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (GA)

US AUTO SALES went out of business recently. Without my knowledge or consent they refinanced my car and gave my loan to a different party. They edited my credit information and said Ive only paid on my loan since XXXX of this year XXXX. I first got the car in XXXX of last year XXXX. Due to the company filing bankruptcy the property is legally mine, but they are making me pay their debt to a debt collection agency, Westlake Portfolio Management. Earlier this month, they double charged my credit for the vehicle making my auto loan XXXX. They then closed my original loan with US Auto Sales with my payment history and transferred it into debt collections. I was informed by Westlake Portfolio that there is nothing I can do and just pay it or they will repossess my car.
Consumer complaint received 2017-05-12
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (GA)

Please accept this letter as a formal request to review and adjust my student loan payment. I am now a retired  XXXX  from a  XXXX   XXXX   XXXX  and my retirement income is less than  $ 500/mo.  after my health insurance is deducted. This alone, makes a {$750.00} payment to  Navient  impossible.
Consumer complaint received 2023-01-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (MS)

Per certified mail tracking, It's been 2-3 months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General, and FTC
Consumer complaint received 2023-08-31
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: Experian Information Solutions Inc. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-12-24
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)

Hard inquiries not authorize XXXX XXXXXXXX. I have never apply for any of these companies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A  second hard inquiry occur without my authorization XXXX XXXXXXXX XXXX  using Transunion credit report. 

XXXX XXXX pulled a second hard inquiry XXXX XXXXXX/XX/XXXX. I open a business account XXXX XXXXXX/XX/XXXX for the first time. However, I called within a week for a credit increase limit customer service did not advise me that it would create a second hard pull. This hard inquiry has cause me huge drop of XXXX points from my Transunion. I have contacted several times XXXX XXXX XXXX to see if they can delete this hard inquiry since customer service did not advise me that it would create a second hard inquiry but they just kept ignoring my request. I still doing business with them and so far so good but this hard inquiry has cause me a delay in getting business fund for my company.
Consumer complaint received 2023-09-23
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.15U.S.C1681 section 602 A. States I have the rights to privacy.

15U.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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2023-12-24
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. (NV)

The corporation has Violated The Privacy Act of 1974 as well as the terms and conditions of our agreement pertaining to its initial privacy notice. 

The Consumer has respectfully entrusted the corporation with a certain level of expectation that the financial records would be maintained safely, securely, and in good faith. 

The corporation has repeatedly, on a monthly basis disclosed non public personal information, including personal records and personal transaction history, to multiple non-affiliated third parties for marketable services such as XXXX, TransUnion, XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, etc. This has negatively affected the consumers ability to attain credit and services for Personal family and household usage. 

Although the consumer has received the initial privacy notices, the consumer receives the goods monthly the corporation has failed to deliver notice to the consumer of the ability to opt out of the sharing of non public transaction history on account to non affiliated parties of the Agreement. 

Please See all violations below 5 U.S.C. 552a ( b ) 16 C.F.R. 313.10 ( a ) ( 1 ) ( ii ) - Limits on disclosure of non-public personal information to nonaffiliated third parties.

16 C.F.R. 313.10 ( a ) ( 1 ) ( iii ) - Limits on disclosure of non-public personal information to nonaffiliated third parties.

16 C.F.R. 313.10 ( a ) ( 3 ) ( i ) - Limits on disclosure of non-public personal information to nonaffiliated third parties.

12 CFR 1016.10 ( a ) ( 1 ) ( ii ) - Limits on disclosure of nonpublic personal information to nonaffiliated third parties 15 U.S. Code 1681b ( b ) ( 1 ) ( A ) ( ii ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( b ) ( 2 ) ( A ) ( i ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( b ) ( 2 ) ( A ) ( ii ) - Permissible purposes of consumer reports 12 U.S. Code 3403 ( a ) - Confidentiality of financial records
Consumer complaint received 2024-04-21
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. (CO)

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines XXXX XXXX XXXX XXXX XXXXXXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data. 
My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter. 
Here are the specific legislative and regulatory grounds for my request : 1. **15 U.S.C. 6802** - Mandates explicit consent for financial information disclosure, including a clear option to opt-out. 
2. **16 CFR 313 ( Privacy of XXXX XXXX XXXX ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure. 
3. **15 U.S.C. 1681** - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files. 
Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights. 
Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Consumer complaint received 2023-05-03
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. (CA)

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see this account is removed from my account. It is fraudulent & is impacting my ability to gain credit. 

XXXX XXXX XXXX Opened XX/XX/20 XXXX {$0.00}
Consumer complaint received 2023-12-24
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)

XXXX XXXX XXXX.Account XXXX, Date Opened XX/XX/2023. XXXX, Account XXXX, Date Opened XX/XX/2023. I have included attachments and laws to show how these accounts are violating the law. Please review laws and attachments of the errors. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

****I DEMAND THE PROCESS AND PROOF OF YOUR INVESTIGATION****
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXXXXXX approved me for a secured card in which they took the funding out of my account. Now that they have took my money and open the account they froze the account to do extended verification on my record without giving me anything that makes sense I thought that I was already approved for the card and they came in froze the card just a couple days ago and now that they have had me sign extra verification form it has start putting all type of alerts on my account about fraud alerts and extended verification personal statements and some other items that have just impacted my credit monitoring credit reporting XXXX XXXX  has now hurt my credit monitoring more than it has tried to open and impact my credit by opening the card I dont know what the XXXX is going on with this company, but it is adding new alerts to my XXXX credit monitoring every XXXX day several alerts I called XXXX and they act like they dont know what the XXXX is going on and they the only freaking company that I have open any type of credit with recently and I literally didnt start getting alerts on my credit monitoring until yesterday, which is the day that they have me signed his XXXX consent for extended verification to be stated for the record in this complaint, that if this has any type of negative impact on my credit, or my credit monitoring, I will be immediately filed the lawsuit against XXXX card. And for them to lock the XXXX car right before XXXX XXXX is a XXXX and XXXX XXXX thing to do for a company. If they were going to lock my XXXX car, they shouldve done it prior to when the card was issued or before letting me open the XXXX card.
Consumer complaint received 2023-09-23
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Happy Money, Inc. (TN)

The day my loan was funded, I made a payment of {$500.00} the same day. It was not applied to my loan immediately. The payment of {$500.00} was to go directly towards principal and it never was. Thus, I have been over paying interest this entire loan. I will make a payment days earlier than my due date and the interest paid remains the same as if I waited the day the payment was due. 

As a result, I have overpaid interest over hundreds of dollars. Please apply payments the day they were submitted and recalculate the principal and interest. Overall, I should owe less.
Consumer complaint received 2023-09-23
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. (NC)

On XX/XX/XXXXI requested XXXX to send either validation of this alleged debt or proof of contact with wet ink signature. They responded on XX/XX/ with a brief response that read a 1099-C was not issued because the debt was not canceled or forgiven. They only acknowledged a very small portion of what was asked of them. I have no knowledge of this account and would like proof of me signing for such a contract and the terms. They do not have my consent to furnish innacurate accounts on my consumer report and this has resulted in pain and suffering and defamation and denial for credit. I would like them to stop invading my privacy and cease all communication and delete the file from my report immediately.
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have diligently corresponded with XXXX, XXXXXXXX XXXX TransUnion, highlighting numerous inaccuracies in my consumer credit profile, including erroneous late payment reports. TransUnion XXXX XXXXXXXX is reporting inaccurate payment history to my consumer report. XXXX is not reporting the same information that Transition and XXXX is reporting inaccurate concerning a XXXX XXXX XXXX XXXX. This account is paid off in full and no late payments should be reporting to my consumer credit profile concerning this account. Below I have attached documents as proof. 

Under the Fair Credit Reporting Act ( FCRA ), explicitly outlined in 15 USC 1681, consumer reporting agencies are mandated to handle their responsibilities with fairness, impartiality, and profound respect for consumer privacy. As a consumer, I am inherently entitled to safeguard my private information, a right supported by 15 USC 6801, which underscores the obligation of financial institutions to uphold customer privacy and protect nonpublic personal information. 

The entities providing information to credit agencies, known as " Furnishers, '' fall under this definition of financial institutions. According to 15 USC 1681, Section 604 ( a ), any consumer report furnished by these agencies should strictly adhere to the written instructions of the concerned consumer. I assert that XXXX, XXXXXXXX XXXX  TransUnion, as the Furnishers of information to credit agencies, have no right or written consent from me to furnish my information. All forms of consent, be it verbal, non-verbal, written, or implied, are hereby revoked. 

Moreover, under 15 USC 6802 ( b ) ( c ), financial institutions can not disclose nonpublic personal information to THIRD parties unless consumers are given an explanation of how to exercise their nondisclosure option. The failure to inform me of this right by the Furnishers is a notable omission. Additionally, according to 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies are prohibited from including adverse information without proper authorization. This inclusion, without my consent, violates the law.

Furthermore, as per 15 U.S. Code 1681s2 ( A ) ( 1 ), agencies are prohibited from furnishing inaccurate consumer information knowingly. XXXX, XXXXXXXX XXXX TransUnion should maintain reasonable procedures, as mandated by 15 U.S. Code 1681e, to prevent violations and limit the furnishing of consumer reports. Reporting transaction history without permissible purpose is illegal per this code.

Lastly, 15 USC 1681 ( c ) states that no adverse items, besides the conviction of CRIMES, should be on the consumer credit profile, and any item that is a derogatory mark is not allowed into the consumer reports. This is a violation, and anything added to the consumer report without written consent could be considered identity theft according to 12 CFR 1022.3.