davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-04
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 understand I am the only person writing this with no help from a 3rd party.I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge. As per the regulations outlined in the Fair Credit Reporting Act ( 15 USC 1681 ), it is imperative that consumer reporting agencies, such as XXXX and XXXX and Transunion conduct their responsibilities with fairness, impartiality, and utmost respect for the privacy rights of consumers. 

As a consumer, I am entitled to ensure the confidentiality of my personal information, as reinforced by 15 USC 6801, which underscores Congress 's stance on financial institutions ' obligation to safeguard customer privacy. Entities providing information to credit agencies, classified as financial institutions, fall under this directive. The Accounts in question are as followed XXXX XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, According to 15 USC 1681 section 604, a consumer reporting agency may furnish a consumer report only upon the written instructions of the concerned consumer. XXXX, XXXX and Transuion and any financial institution furnishing information to credit agencies lack my explicit consent or written authorization to do so. Therefore, any form of consent, whether verbal, non-verbal, or implied, is hereby revoked.

Furthermore, 15 USC 6802 mandates that a financial institution must inform consumers of their right to opt out of disclosing nonpublic personal information to third parties. However, I was never notified of this option by the furnisher of information to credit agencies.

Moreover, according to 15 USC 1681C, consumer reporting agencies are prohibited from including adverse items of information in consumer reports without authorization. This account being reported without my consent violates this provision.

Additionally, under 15 U.S. Code 1681s2 ( A ) ( 1 ), it is unlawful for any entity to furnish inaccurate information to consumer reporting agencies, and XXXX  and XXXX and Transunion fail to maintain reasonable procedures as required by 15 U.S. Code 1681e.

Furthermore, according to 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any time, a right I am now exercising.

Therefore, I demand that XXXX XXXX and Transunion and any financial institution involved cease the reporting of my information immediately.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-10-03
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)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-10-03
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)

I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.
Consumer complaint received 2023-05-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This was not sent inadvertently or by any other person than me ; I am a consumer by law, and thanks to XXXX 's misuse of my information during a data breach, some of the accounts and things on my credit report are not completely true. That improper handling of my credit profile was unethical.
Consumer complaint received 2023-03-12
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. (IL)

In accordance to the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 Section 6 States, I have the right to privacy.

15 U.S.C. 1681 Section 602 A, Section 2, I also state, a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NE)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Consumer complaint received 2023-10-03
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. (OH)

XXXX accordance with the Fair Credit Reporting act XXXX Account 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 a account without my written instructions
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

i disputed a paid and closed case to experian to be removed it was paid and closed with no balance however a few days later it updated to a balance of XXXX wich is incorrect because this case was closed 4 years ago and paid and experian has the documentation and information from the courts the experian dispute document number is XXXX
Consumer complaint received 2023-04-21
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: Experian Information Solutions Inc. (LA)

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 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

I got an email concerning a loan. Saying I was denied. I never applied for this. When I called the company the dob was different. As well as the ss number. I checked my credit report equifax not XXXX and my former name was applied above My present married name.also the address XXXX XXXX was listed I have never lived there. This email came on the friday.today I notice in my email asking for confirmation using my previous name of XXXX XXXX. For a different company. My legal name is XXXX. XXXX. I called the credit agency and they are asking for my zip then my ss number I am not giving this over the phone to an unknown. This is a recording asking for this info. Is this customary not a good practice at all. I am very uncomfortable about giving out my info. I want a fraud alert on my credit report do not know how to do this. Would like some guidance. My name is XXXX XXXX XXXX hope to hear from someone soon
Consumer complaint received 2022-12-08
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. (CT)

EQUIFAX has FAILED TO EXERCISE THEIR GRAVE DUTIES under the FCRA. They have been put on notice on XXXX and HAVE NOT ACTED ACCORDINGLY and removed the demanded accounts from my reputation. It has been more than 45 days and NOTHING has changed. EQUIFAX has not shown ANY REGARD AND RESPECT to I the consumer and to the CFPB and continue to act on their own free will and harm my reputation. I demand EQUIFAX to DELETE the requested information by following FCRA guidelines and taking more than 45 days to respond with anything!!!! EQUIFAX has caused me to lose faith in the banking system due to their negligence and disregard to Federal Law and I the consumer. QUIFAX has stated that the social security card and id I provided for verification was not sufficient to verify me. This is in fact a STALL tactic and EQUIFAX is simply not trying to exercise their GRAVE DUTIES under the FCRA
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Army and Air Force Exchange Service (CA)

XXXX, XXXX, XX/XX/2023 In 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 instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2023-10-03
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)

Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.
Consumer complaint received 2023-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

I always paid on time, and this giving me anxiety, I neves XXXX paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2023-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2023-10-03
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

I have received several American Express prepaid gift cards as a bonus from my employer. I have used the cards successfully in the past at many online stores including XXXX, as well as in my XXXX XXXXXXXX XXXX 

A few months ago, the cards started getting declined everywhere. I have tried multiple stores where I have shopped previously, including XXXX who called me and were not able to get the card to go through. 

I get an error when I try to use the card in my XXXX XXXX account as well, when it worked previously. 

I still have XXXX XXXX XXXX  remaining on the cards and have not been successful in using the balance. The cards are digital gift cards, so I do not have a physical card I can use in stores.
Consumer complaint received 2023-07-27
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. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-10-03
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Westlake Services, LLC (GA)

In XXXX of XXXX, Westlake Portfolio started sending notifications to submit payments in regards to my auto loan with my lienholder US Auto ( sales ) LLC. Westlake Portfolio states that they have the contract from my lienholder to accept payments and to take over contractual agreements that were bonded with US Auto ( sales ) LLC. When I spoke with Westlake Portfolio ; representatives that I would speak with would state that Westlake Portfolio were only available to collect payments and they were not able discuss any contractual terms. Since that time Westlake Portfolio has been calling and demanding payments for my auto loan with US Auto sales. XX/XX/ XXXX my vehicle was stolen from my home, I called Westlake Portfolio to inquire about my GAP insurance and I was told that they were not able to discuss anything with me about my coverage. I have also tried asking Westlake Portfolio about having my title which was stated to me they do not have. On XX/XX/2023 Westlake sent a wrecker to my home with a digital order of repossession. Westlake Portfolio sent me a certified document stating that my car was going to be sold at an auction. Westlake is also demanding payments for the vehicle I no longer have possession of.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Avant Holding Company, Inc. (TX)

XXXX Name : XXXX XXXX XXXX XXXX XXXX, XXXX Tx XXXX Email XXXX XXXX To whom it may Concern You are in Direct Violation of The Fair Credit Reporting Act ( AVANT LLC/WEB BANK & XXXX XXXX has violated several of my rights. 
15 U.S.C 1681 section 602. A. Clearty states that I have the right to privacy.

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

15 U.S. C 16668 : A creditor may not treat a payment on a credit card open-end consumer credit plan as late for any purpose.Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2022-12-08
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. (FL)

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.
Consumer complaint received 2022-12-08
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. (CA)

Upon CFPB complaint completion on XX/XX/2022, Creditor and Consumer agreed to delete account. Dispute was opened with TransUnion to delete account and pertinent documents were uploaded for validation. XXXX deleted account, TransUnion DID NOT delete account and closed the dispute. I called multiple times and they just want to open another dispute, which is ridiculous! This is a USC 1681i - Procedure in case of disputed accuracy AND 15 USC 1681i ( 5 ) ( A ) ( i ). 15 USC 1681 states that I have a right to privacy. 




XXXX XXXX XXXX XXXX  Account # XXXX
Consumer complaint received 2023-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK (NC)

Discover Card refuses to call back or respond. I have complained here about at least XXXX separate, different issues and they automatically close all my complaints saying they are duplicates even when they aren't. I call and they claim they can't help me because it's the wrong department and they have to transfer me, but either they disconnect me, they transfer me to a line that is closed and automatically hangs up, or they claim their computer system is down and someone will call me back. This has been going on for XXXX years now and not a single person has called me back or responded to an email not once. Discover is stealing money from people by adding charges to their accounts and they refuse to give consumers a chance to get it fixed by blocking all lines of communication. This is absurd and needs to be stopped right away. It should also be noted that I have had XXXX fake charges on my account in XXXX year 's time and they refuse to respond, claiming ANY dispute is the same as a previous one.
Consumer complaint received 2024-04-04
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. (MI)

This company is breaking the law by reporting a charge off on my account. I asked him to update his account multiple times I will not stop. I will take legal action against this company.15 USC 1681b consumer law violating my rights
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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.