davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (ND)

I am writing to express my continued frustration and disappointment regarding the ongoing failure to remove fraudulent items from my account, despite multiple attempts and escalating complaints. Despite my persistent efforts and cooperation, the fraudulent charges persist, causing significant financial and emotional distress. 

The persistent presence of fraudulent charges on my account not only undermines my confidence in your organization 's ability to protect its customers but also reflects poorly on your commitment to addressing fraudulent activity promptly and effectively. 

XXXX a thorough investigation into the origin and nature of the fraudulent charges. 
Promptly remove all unauthorized charges from my account and ensure the reversal of any associated fees or penalties. 
Provide a detailed account of the steps taken to address the fraudulent activity, including an explanation for the persistent delays in resolution. 
Implement stringent security measures to prevent similar incidents from occurring in the future. 
I emphasize the urgency of resolving this matter expediently to restore my faith in your organization and safeguard my financial interests. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-12-29
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. (GA)

Auto Loan # XXXX XXXX XXXX XXXX XXXX account reported as a CHARGOFF/ COLLECTION with derogatory remarks as a bad debt and balance due of XXXX 

This account is still open and in good standing with XXXX XXXX XXXX XXXX 

Title 15 U.S.C 1601 states I have a right to privacy. XXXX XXXX XXXX XXXX has violated my rights. 
Title 15 U.S.C 1608 states I have a right to fair credit reporting. 

I HAVE PREVIOUSLY contacted the buraus to investigate this inaccuracy and the request was deemed frivolous.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I'd like to express my concern regarding the slow progress of the investigation into my dispute, despite my previous escalation. I was advised to wait for 30 days for the investigation, but there has been no progress thus far. I am disputing and requesting the removal and update of an inaccurate late payment on my credit report, which is tarnishing my creditworthiness.I want to emphasize that this late payment is inaccurate and does not represent my credit history correctly. I have consistently maintained a positive payment history with the mentioned creditor, and there were no late payments during the disputed period. The presence of this inaccurate late payment on my credit report is negatively affecting my creditworthiness and financial standing. I am dedicated to maintaining a favorable credit history, and this reporting error is causing unwarranted damage to my credit reputation. Here is the account I want to be updated : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

privacy and confidentiality under 15 USC 1681. 

Account name : # ending in XXXX ( XXXX XXXX ), Account name : # ending in XXXX ( XXXX ), Account name : # ending in 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-01
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 discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC. (FL)

I have multiple medical debts on my credit score with XX/XX/XXXX and XX/XX/XXXX. I did not give permission for my medical files to be released this is a HIPPA violation and I will be taking legal action if not removed. On top of that I did not receive any notice of debt. 4 collections through XXXX, 1 collection with Wakefield, 5 collections through XXXX  on XX/XX/XXXX. 1 collection through Wakefield on XX/XX/XXXX, and 1 collection with XXXX XXXX, 4 collections through Wakefield on XX/XX/XXXXI am disputing all of these on legal grounds
Consumer complaint received 2022-12-29
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-01
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. (TX)

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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX : {$270.00}, XXXX XXXX XXXX XXXX : {$9600.00}
Consumer complaint received 2022-12-29
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. (FL)

I XXXX XXXX noticed a couple of accounts that does not belong to me and the addresses these accounts are linked to are also not mines.I contacted these creditors multiple times and these incorrect items are still on my report.I file an identity theft report stating that I was a victim of identity theft.I have documents attached also with the report.15 u.s code s 1681c-1 I XXXX XXXX the consumer had given multiple identity theft reports and also placed a security freeze. Also there were a name brench posted on my report also attached.the accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-29
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: NAVY FEDERAL CREDIT UNION (MA)

WITH REGARD TO ANY DISCLOSURES OF ANY ALLEGED DEBT OBLIGATION BETWEEN ANY FINANCIAL INSTITUTION, CLEAR AND CONSPICUOUS DISCLOSURE AT THE TIME OF ESTABLISHING CUSTOMER RELATIONSHIP MUST BE PROVIDED. I HAVE NOT ESTABLISHED/CONSENTED TO OR WAS PROVIDED CONSENT OF SUCH DISCLOSURE NOR WAS PROVIDED ANY NOTICE THAT COMPLIES WITH SECTION 6803 OF TITLE 15 WHICH OPTS OUT ANY DISCLOSURE OF ANY NONPUBLIC PERSONAL INFORMATION AS DEFINED BY 15 USC 6809 ( 4 ) TO ANY NONAFFILIATED THIRD PARTY. 

XXXX HAVE AN OBLIGATION WITH RESPECT TO THE DISCLOSURE OF PERSONAL INFORMATION. PER The Gramm-Leach-Bliley Act I HAVE THE RIGHT TO THE NONDISCLOSURE OF NONPUBLIC PERSONAL INFORMATION. THIS AGENCY IS ACTING AS A NONAFFILIATED THIRD PARTY ON BEHALF OF FINANCIAL INSTITUTIONS AND HAS ACQUIRED NONPUBLIC PERSONAL INFORMATION WHICH I HAVE IDENTIFIED AS FRAUD AND THE FCRA VERIFIED THE INFORMATION AS ACCURATE. SUCH ACTIONS ARE UNLAWFUL. I HAVE NOT AND DO NOT CONSENT VERBALLY OR WRITTEN TO SUCH FURNISHING OF INFORMATION TO MY CONSUMER CREDIT REPORT. I WISH TO OPT OUT OF ANY NEGATIVE, FRAUDULENT AND DEROGATORY INFORMATION FURNISHED ON MY CONSUMER CREDIT REPORT AND DEMAND THE CRA DO AS REQUESTED TO ENSURE MY REPORT IS FAIR, ACCURATE IN MY EQUITABLE INTEREST AND WITH REGARD TO MY CONFIDENTIALITY. I DEMAND TO OPERATE/EXERCISE THE NONDISCLOSURE OPTION OF THIS ACCOUNT WITH RESPECT TO MY RIGHTS. 

ANY TRANSACTION/AGREEMENT DONE IN PRIVATE BETWEEN ANY FINANCIAL INSTITUTION PERTAINING TO ANY DISCLOSURE OF NONPUBLIC PERSONAL INFORMATION WHICH IS SOLD TO ANY NONAFFILIATED THIRD PARTY AND USING SAID INFORMATION WITHOUT CONSENT IS FRAUD. NO CONSENT FOR SUCH ACTIONS WERE EVER GIVEN EXPLICITLY WRITTEN OR VERBAL. I HAVE DISPUTED AND DEMAND SAID INFORMATION BE REMOVED/OPT OUT OF FURNISHING SAID DATA. ANY CONTINUED REPORTING OR FURNISHING OF THIS ACCOUNT IS WITHOUT MY PERMISSION/CONSENT/AUTHORITY AND CONSTITUTES IDENTITY THEFT. I DEMAND THIS INFORMATION BE BLOCKED AND DELETED FROM MY CONSUMER CREDIT REPORT IMMEDIATELY IN ACCORDANCE WITH 15 USC 1681 C-2 TO AVOID FURTHER DAMAGES TO ME.
Consumer complaint received 2023-06-01
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. (TX)

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 Balance Owed : {$2100.00} ; XXXX XXXXXXXX Balance Owed : {$4700.00}.
Consumer complaint received 2021-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I was attempting to dispute something on my credit score with TransUnion. I was required to create an account to access this feature and was charged {$26.00}, plus signed up for a monthly subscription service when I created my account. The website is intentionally misleading. They didn't show me that I would be charged for anything before creating the account.
Consumer complaint received 2022-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 1681. 

Account name : # XXXX XXXX, Account name : # XXXX XXXX XXXX, Account name : # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-29
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. (TX)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-25
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. (NC)

Account : XXXX/DEPTOFEDU Acct # XXXX Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint regarding the unauthorized reporting of my student loan payment history and balances by XXXX/DEPT OF EDU. I believe this action violates my rights under the Family Educational Rights and Privacy Act ( FERPA ), the Fair Credit Reporting Act ( FCRA ) specifically 15 U.S.C. 1681, and the Privacy Act of 1974.

As a consumer, I am protected under FERPA, which grants me the right to privacy regarding my educational records. My student loan payment history and balances are considered part of my educational records and are therefore subject to the protections outlined in FERPA. XXXXDEPT OF EDU has reported this sensitive information to credit reporting agencies without my explicit consent, thus violating my privacy rights under FERPA.

Furthermore, the unauthorized reporting of my student loan information also constitutes a violation of the FCRA. Section 1681 of the FCRA prohibits the furnishing of private information to consumer reporting agencies without the consumer 's consent. XXXXDEPT OF EDU has failed to obtain my consent before disclosing my student loan payment history and balances to credit reporting agencies, thereby violating the provisions set forth in the FCRA. 

Additionally, I believe XXXXDEPT OF EDU actions may also be in violation of the Privacy Act of 1974. This Act establishes safeguards for the handling of personal information maintained in systems of records by federal agencies. While XXXXDEPT OF EDU may not be a federal agency, the principles of privacy and protection of personal information outlined in the Privacy Act are applicable to private entities as well. By disclosing my student loan information without my consent, XXXXDEPT OF EDU has failed to uphold the standards of privacy established by the Privacy Act of 1974. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX/DEPT OF EDU ceases the unauthorized reporting of my student loan information to credit reporting agencies. Furthermore, I urge the Bureau to hold XXXXDEPT OF EDU accountable for their actions and impose any necessary penalties for their violations of federal privacy laws. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to protect my rights as a consumer.
Consumer complaint received 2020-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I recently came across my updated 3 bureau report and noticed that my credit scores drastically changed. I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report.
Consumer complaint received 2020-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

My credit report is reporting unknown and unauthorized accounts on my file inwhich I have no knowledge of. Im assuming this is credited to my identity being compromised inwhich made me a victim of identity theft so the following accounts are fraudulent and I'm demanding that this accounts be blocked and removed immediately from my credit file. 

1 ) XXXX XXXX  {$860.00} 2 ) XXXX XXXX {$710.00} 3 ) XXXX XXXX XXXX {$470.00} 4 ) XXXX XXXX XXXX
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-30
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. (NV)

I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/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  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX