davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-23
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. (MD)

The Fair Credit Reporting Act, specifically under 15 USC 1681 Section 602 ( a ), emphasizes the importance of consumer reporting agencies such as XXXX and XXXX handling their significant responsibilities with fairness, impartiality, and a respect for consumers ' privacy rights. As a consumer, I hold the right to ensure my personal information is not indiscriminately shared, a right supported by 15 USC 6801, which mandates financial institutions to honor their customers ' privacy and protect their nonpublic personal information.

Under this regulation, the entities furnishing information to credit agencies are recognized as financial institutions. Additionally, 15 USC 1681 Section 604 ( a ) ( 2 ) explicitly states that consumer reports can only be furnished under specific conditions, XXXX being the explicit written consent of the consumer involved. Therefore, without my written authorization, Trans Union, XXXX, and the information furnisher do not possess my consent to distribute my information. 

I hereby revoke any form of consentbe it verbal, non-verbal, written, implied, or otherwisepreviously granted to Trans Union, XXXX, and the information furnisher regarding the sharing of my personal information. Moreover, according to 15 USC 6802 ( b ) ( c ), a financial institution can not disclose nonpublic personal information to third parties without informing the consumer of their right to opt-out, which I was not made aware of.

Furthermore, 15 USC 1681C ( a ) ( 5 ) restricts consumer reporting agencies from reporting any adverse information older than seven years, except for criminal convictions. The accounts in question are adverse items being reported without my consent, violating this stipulation and have been included in a FTC Identity Theft report provided to both XXXX and Trans Union XX/XX/year>. This neglect not only compromises my financial integrity but also directly contravenes 12 CFR 1022.3, which defines identity theft as a fraud committed using another person 's identifying information without authority. Furthermore, XXXX and TransUnion 's inaction breaches 15 USC 1681e 's Compliance Procedures, specifically sections A and B, which mandate consumer reporting agencies to ensure the maximum possible accuracy of the information in their reports.

In addition, 15 U.S. Code 1681s2 ( A ) ( 1 ) prohibits furnishing consumer information to reporting agencies if it is known or suspected to be inaccurate. 

Trans Union and XXXX 's failure to adhere to 15 U.S. Code 1681e, which requires the maintenance of reasonable procedures to prevent violations and limit report furnishing to authorized purposes, demonstrates a lack of compliance with these regulations. Also, as per 12 CFR 1016.7, consumers have the perpetual right to opt out, which I am exercising now by opting out of your reporting services.
Consumer complaint received 2023-05-31
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX ACCT # 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 a account without my written instructions
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: The Aligned Company DBA Extra (CA)

To whom it may concern, this account was never past due this was a subscription that was paid for the yea beginning XXXX, it was reported as negative on my account as of XXXX, when I noticed it was being reported negative I contacted the credit agency and closed account along with a dispute that ended in my favor however the negative months pushed my credit down XXXX points and the months of XX/XX/22 and XX/XX/22 still remains on report. I have attempted to contact extra numerous amounts of time with no answer I have sent letters with no response, I think this should be resolved by erasing negative remarks. 
Thanks in warm regards XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX i have never had an account with this Company and they are reporting on my report along with the original Creditor who is XXXX XXXX they are bout reporting the same information at the same time so on my report it looks like i owe them along with XXXXXXXX XXXX also the account with XXXX XXXX has been over 8 years old but this company is now reporting it as a new account... 

XXXX XXXX has updated and remove from my transition credit report and i need them to remove it from my EQUIFAX AND XXXX
Consumer complaint received 2023-05-31
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. (TX)

In Accordance with the Fair act XXXX  XXXX Account # XXXX, has violated my rights/ 15 U.S.C 1681 Section 602 A states i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C1681 168b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late for any reason.
Consumer complaint received 2023-05-29
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. (FL)

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. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, DEPT OF EDUCATION / 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. 

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 2023-06-01
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. (OH)

n accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat d payment on a credit card account under a ppen end consumer credit plan as late for XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-03-23
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. (RI)

I revoked all past and future consent for XXXX to report this account on my consumer report and they are still reporting the account despite my dispute to Opt out of reporting. Same goes for XXXX and Equifax.
Consumer complaint received 2023-06-20
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Called my father on multiple occasions, telling him that I owed debt as well as what the debt was for. I am not a XXXX and my father is not listed on the account in question.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

For the credit account XXXX  XXXX XXXX, there are inaccuracies for this account across all the 3 credit report which is in violation FCRA section 1681e ( b ). I am asking that this account be removed from my Transunion and XXXX accounts for this violation.
Consumer complaint received 2023-05-30
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: Experian Information Solutions Inc. (NY)

I am requesting again in regard to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (IL)

XX/XX/2024 I requested a pay to delete I was told that they do not do pay to delete due to the credit fair act they are required to report correct and accurate information I advised them that the information on my account status was not accurate This account is closed It is a debt and on the account it has open and I request it for them to delete it for the inaccuracy
Consumer complaint received 2024-03-25
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)

I currently have Bankruptcy that is reporting on my credit and has been for a while. A XXXX  XXXX and a XXXX  XXXX. I have been disputing for almost a year and has had no results. It keeps coming back verified with no proof that it is mine. I have had XXXX XXXX dispute this information With No results from that as well Because they claim it is where they are getting the information from But there is NO Bankruotcy on my XXXX XXXX.
Consumer complaint received 2023-04-18
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. (IL)

I recently reviewed a copy of my credit report and noticed the following information regarding to be in error. The Fair Credit Reporting Act XXXX IS REPORTING A BALANCE THAT IS INCORRECT NOR DO I HAVE KNOWLEDGE OF XXXX XXXX XXXX for {$1500.00}. As of XX/XX/2023 2023
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (OH)

n accordance with the Fair Credit Act XXXX XXXX XXXX XXXX Last reported XXXX XXXX, 2023 {$14000.00} XXXX XXXX {$3700.00} Open balance {$320.00} XXXX XXXX XXXX XXXX XXXX {$0.00} Reported XXXX XXXX limit {$4000.00} XXXX  Last reported XX/XX/2023 {$200.00} Reported balance Credit limit {$3500.00} Reported balance Credit limit {$4000.00} XXXX Last reported XX/XX/2023 {$200.00} Reported balance Credit limit {$3500.00} 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 a account without my written instructions
Consumer complaint received 2024-03-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I formally request the removal of an inaccurate account from my credit report, as I did not provide consent for its creation or usage, and I have enclosed the necessary documents to support this claim.
Consumer complaint received 2024-03-25
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. (NC)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2023 ADVISING OF ACCOUNTS AND REQUESTING VERFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-XXXX I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Consumer complaint received 2023-06-01
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. (FL)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for ( XX/XX/2022 & XX/XX/2022 ). Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the fair credit reporting act, under 15 U.S.C 1681s-602 it states I have the right to privacy and this creditor has violated my rights. 15 U.S.C s-604 ( a ) s-2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666 ( b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

CARES Act Covid 19 Bill S 3548 provides guidance to lenders to provide a guaranteed deferment to consumers for one year. The extension " Accommodations '' was not given to me during the Covid -19. During a Declared National Emergency I was discriminated against and my credit to be impaired. 
Regulations Reg B Billing Code : 48-AM-P Bureau of Consumer Financial Protection 12 CFR Part 1002 Equal Opportunity ( Regulation B ) ; Discrimination on the Bases of XXXX Orientation and Gender Identity The Bureau of Consumer Financial Protection ( Bureau ) is issuing this interpretive rule to clarify that, with respect to any aspect of a credit transaction, the prohibition against XXXX discrimination in the Equal Credit Opportunity Act ( ECOA ) and Regulation B, which implements ECOA, encompasses XXXX XXXX discrimination and gender identity discrimination, including discrimination based on actual or perceived nonconformity with sexbased or gender-based stereotypes and discrimination based on an applicants associations. 
Violations : CARES act, Reg B, Privacy, UDAAP, FDCPA, FCRA, Fair Lending Laws.
Consumer complaint received 2023-08-02
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance Owed : {$560.00} ; XXXX XXXX  XXXX Balance Owed : {$11000.00} ; XXXX  XXXX Balance Owed : {$1100.00}.
Consumer complaint received 2024-06-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NC)

In 2023, Citi Bank reduced my credit limit twice with no missed payments and minimum payments made. As a result, my credit score dropped significantly. In XXXX of 2023, I did a balance transfer to reduce the amount of the CitiCard in half and pay more towards the balance to reduce the debt. Again, CitiCard reduced my credit limit which again impacted my credit score. I called to ask why and sent a letter and was told verbally and via letter I could ask for a credit limit increase and stating to them this was an unfair practice of reducing the limit which impacts my credit utilization which in turn impacts my credit score. In XXXX of 2023, I requested a credit limit increase per the letter sent to me from Citi and was denied the increase stating my monthly mortgage payment was not provided which I had updated in the app the prior month. Since then I have been working on paying the card completely off. 

Yesterday, I received a letter from XXXX XXXX  XXXX stating they have made the decision to reduce my credit line after reviewing my credit history, economic and loss trends and consumer reports. My credit score is a direct reflection of the the credit limit decrease by CitiCard and now XXXX XXXX XXXX who have both impacted my utilization scoring. All of my accounts have been paid on time with more than the minimum and I have paid off two cards within the last 90 days totaling more than XXXX. 

If I am one person who has had this happen to them twice, just imagine the others who are in the same position being negatively impacted for utilizing credit and paying them off. My husband has had the same happen to him and has closed all of his credit accounts to avoid this and went into debt relief which should not have had to happen in paying a off the credit cards. This is unfair and malicious. If the end goal is to keep us all in debt just say that. Can someone please take a serious look into this and assist the little people.
Consumer complaint received 2023-05-29
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. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

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 XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2017-07-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (TN)

I have been working with my mortgage company on a request to modify the mortgage. I 've submitted financials and the request several times I 've spoken with 3 servicers trying to save my home. My mother XXXX a year and a half ago from XXXX and I 'm her son that is living in the property. I recently received a property foreclosure notice from XXXX XXXX XXXX stating my property is going to be sold in a property foreclosure sale XXXX XXXX,2017. Please, Please, Help. The letter I received to validate the debt did not show my servicers were three deferent servicers I have not received the foreclosure notice from the servicers as stated on the letter.
Consumer complaint received 2022-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

XX/XX/2022 i made a payment of {$460.00} and the money came out of my bank account that night, the next morning I am showing no available credit I call capital one and ask what is going on they say that are holding the money to make sure it comes out of my bank, informed already passed pending and money is out of account
Consumer complaint received 2020-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc. (CA)

" See if you're approved for XXXX XXXX without impact to your credit score. '' Got this from Experian who I thought was my custodian for my credit rating. 

I applied and my FICO score was IMPACTED! 

Contact XXXX XXXX but no reply.