davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-02
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. (SC)

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 items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance : {$240.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$540.00} ; XXXXXXXX XXXX XXXX XXXX  Balance : {$13000.00} ; XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$6200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$390.00} ; XXXX XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$710.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$310.00} ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  ; XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] SSN : [ XXXX ] | XXXX : [ XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT NEED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX ]
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (IL)

Reporting Transaction history is illegal 15U.S.Code1681b-Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report uder the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.They need your written consent to add any thing to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L90321 ( 82Stat.146 ) which is law law that backes the code is even stricter as it states that any agency can only get your report in response to are quest by the head of a State or local child support enforcement agency ( oraState or local government official authorized by the head of such anagency ) 15U.S.Code1681c Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), 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. No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation 12CFR1022.3 Definitions Identity theft means afraud committed or attempted using the identifying information of another person without authority.Anything added to your report without your written consent could be considered Identity theft 15U.S.Code1681c2-Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumeridentifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The agency continue to blatanly violate these and other regulations
Consumer complaint received 2023-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NJ)

On XX/XX/23 I paid off my visa in full leaving a XXXX balance. On XX/XX/23 I was charged {$37.00} on a XXXX balance. I called for an explanation and was told first they didnt receive my payment prior to the charge, which was incorrect since I paid in full 12 days prior to the interest charge, then I was told it was because I did not pay my card in full for two separate months in a row. When I asked what purchase the interest was being applied to there was no answer just repeated that I did not pay in full two months in a row. I advised I wanted to cancel my card. They then Replied that they would no longer help resolve the issue if I cancelled my card.
Consumer complaint received 2023-08-19
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: Experian Information Solutions Inc. (SC)

Subject : Complaint Regarding Illegitimate Collections on XXXX, Experian, and XXXX Credit Reports To Whom It May Concern, I am writing to file a formal complaint against [ XXXX XXXX XXXX ] and [ XXXX XXXX  XXXX ] for posting the same illegitimate collection on my XXXX, Experian, and XXXX credit reports. I believe that these actions are in direct violation of several laws and regulations governing the collection of debts, as well as my consumer rights. 

[ XXXX XXXX XXXX ] and [ XXXX XXXX  XXXX ] have both reported a collection account that I strongly dispute. Notably, these two creditors are attempting to collect on the same debt, which is misleading and damaging to my creditworthiness. I have attached copies of my correspondence with both creditors, demonstrating my efforts to rectify this situation. 

The actions of [ XXXX XXXX XXXX ] and [ XXXX XXXX  XXXX ] appear to be in violation of the following laws and regulations : 1. Fair Debt Collection Practices Act ( FDCPA ) : These creditors are engaging in unfair and deceptive practices by double-reporting the same debt. Section 807 of the FDCPA prohibits debt collectors from using false, deceptive, or misleading representations, including those that falsely represent the character, amount, or legal status of any debt.

2. Fair Credit Reporting Act ( FCRA ) : The repeated reporting of the same illegitimate debt by [ XXXX XXXX XXXX ] and [ XXXX XXXX  XXXX ] is a violation of the FCRAs accuracy and integrity requirements ( Section 611 ). It has caused significant harm to my credit score and overall financial well-being.

3. Consumer Financial Protection Bureau Regulations : [ XXXX XXXX XXXX ] and [ XXXX XXXX  XXXX ] have violated Regulation V, which implements the FCRA. This includes their failure to conduct a reasonable investigation into the accuracy of the information they reported and their disregard for my rights as a consumer.

4. Deceptive and Unfair Trade Practices Acts ( State Laws ) : Their actions may also be in violation of state consumer protection laws, including those related to deceptive or unfair trade practices. 

I believe that [ XXXX XXXX XXXX ] and [ XXXX XXXX XXXX ] have infringed upon my consumer rights by unlawfully posting inaccurate and duplicate information on my credit reports. This has had a detrimental impact on my ability to secure loans, housing, and other financial opportunities. I request that the Consumer Financial Protection Bureau investigates this matter thoroughly and takes appropriate action to hold these creditors accountable for their actions. 

I appreciate your attention to this matter and hope for a prompt resolution. 

Thank you for your assistance in addressing this issue and ensuring that my rights as a consumer are upheld.
Consumer complaint received 2023-08-19
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. (NC)

Hello I have a TWIN Brother they keep getting everything switched up on both of are credit files we are 2 different people I have reached out to all the companies pertaining to the incident.
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2023-08-19
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. (GA)

keep getting denied for anything that I apply for and it's being forced. That's a form of Identity Theft and consumer discrimination. Transunion is also using bots to interfere with my online activities and not allowing me to obtain my credit reports so I can go fourth with my disputes. 
XXXX characters of XXXX used About you Are you filing this report for someone else?
Consumer complaint received 2023-08-19
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. (OR)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-08-19
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. (OR)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-08-19
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. (AL)

Account name # : XXXX XXXX XXXX # XXXX Balance : {$1500.00} Date : XX/XX/2020 Account name : XXXX XXXX date : XXXX XXXX Account name : XXXX XXXX XXXX has violated my rights 15 U.S C 1681 section 602 A. States I have the nght to privacy 15 U.S.C 1681 Section 604 ASection 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 ) Aperson shall not furnish any information relating to a consumer to any consumer reporting agency fi the person knows or has reasonable cause to believe that the information is inaccurate.
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: EQUIFAX, INC. (MD)

This is the several time I've complained about being a victim of identity theft. You must remove/block the items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$860.00}, XXXXXXXX XXXX
Consumer complaint received 2024-04-02
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. (IL)

The existence of this account has caused me significant XXXX, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2023-08-17
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: LCI Acquisition Inc. (CA)

XX/XX/2023, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 2023-08-07
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: EQUIFAX, INC. (PA)

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 16 XXXX XXXX
Consumer complaint received 2022-11-28
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)

There is an account that was not verified and still being reported on my report, FCRA states accounts must be verified or removed. XXXX XXXX XXXX XXXX needs to be deleted immediately.
Consumer complaint received 2023-08-19
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

I sent a letter and FTC report regarding fraudulent and unknown things on my credit report to this day over 39 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 39 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the extreme amount of stress you caused me financially and the ability to provide to my family. My information has been impacted by the recent XXXX data breach and XXXX have gotten compromised by the breach.
Consumer complaint received 2023-08-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MO)

Hello, I had my federal student loans serviced through fedloan. When I graduated in XXXX from grad school, I attempted to start making payments in XX/XX/XXXX when I started my first career, but was told by XXXX that I can not make a payment until XXXX of XXXX due to my payment date not being active yet. Even though I called over a dozen times between XXXX XXXX thru XXXX of XXXX, I was told the same thing that my loans are not in repayment yet. This deceptive information caused me to delay payment and caused unnecessary interest to add to my loan balance. The main reason I was asking to make payments before my official start of loan repayment was due to being employed and wanting to get ahead of additional debt. Unfortunately, I was young and inexperienced with the loan process so I felt like fed loan was acting in my best interest, but now I can see that was not necessarily the case. 

The next issue occurred around XXXX when I completed my annual income based repayment application for fed loan XXXX My application was processed by fed loan and I received a monthly payment of ~ $ XXXX mo XXXX on my application. At first I was confused by this decease as in the prior year I was paying over $ XXXX mo. I had no change in income/ employment status, so I again called fed loan over a dozen times to inquire why this occurred. I was informed that I fell below the poverty line based on my application information. I explained that must be inaccurate as I did not have a change in status and was making ~ $ XXXX year. The fed loan reps told me there is nothing that can be done and most loan holders want to have the lowest payment. Again, due to my lack of knowledge on how the loan process worked, I took fed loan as acting in my best interest. 

Fast forward to present day, I have educated myself on the loan process and that fedloan willfully provided inaccurate information that caused my loan to ballon in size due to several years of interest being added to my overall debt balance. A balance that should have been less if I was provide accurate information about my loans. 

I am hoping that someone can assist me in holding them accountable for this deceptive practice as I like many account holders was relaying on fed loan to act as an advocate for me.
Consumer complaint received 2019-03-23
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 — Investigation took more than 30 days
Company: Colony Brands, Inc. (AR)

XXXX ONCE AGAIN HAS VIOLATED THE FCRA, FALSELY REPORTING 4 INVALID RETAIL ACCOUNTS BY COLONY BRANDS, XXXX XXXX, XXXX, XXXX XXXX. XXXX  XXXX. THEY ARE REPORTING THESES IN RETAILATION FOR SUING THEM FOR ROBO CALLINGS CONSUMERS.
Consumer complaint received 2021-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Neon Newco Corporation (OK)

My circumstance deals with my government covid relief money XXXX was deposited on my netspend account card.. I had checked my balance several times prior to this waiting for it too be deposited because i am about to lose everything.. 
Because of the balance checks they froze my account.. Needing from me 3 forms of id and my w2 forms ... I have done XXXX XXXX XXXX XXXX XXXX and I feel as if i am being discriminated because of that.. My Id was recenetly lost and I do not have the money to get that.. And how will i produce W2s from my time in prison?? I have the same phone number i have the same address and the same name and ability to state my mothers maiden name and my pin and ss number.. I have talked to them 3 times and every time they give me more stuff i have to come up with.. I am trying to stay calm.. but i have fines to pay and im trying to get my life together.. They shouldnt have the right to keep my money for checking my balance in anticipation..
Consumer complaint received 2024-04-02
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. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.