davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-29
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. (NC)

Disputed my account number with XXXX XXXX as reporting inaccurate on my credit report with late payments and inaccurate statement balances. now the account is not reporting at all. I ask the account be re-inserted into my credit report.This card was lost/stolen and I am not responsible for the {$290.00} balance and the {$40.00} late fee. The account was valid, but account balance were incorrect. After disputing this with Transunion, the company deleted the account entirely which has adversely affected my credit as now I have no credit history whatsoever.
Consumer complaint received 2023-06-06
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. (NJ)

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 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 2024-03-29
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. (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.

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 2023-12-28
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. (VA)

I am reaching out to address my concerns regarding the treatment of my private information by Equifax, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, both identified as consumer reporting agencies under the Fair Credit Reporting Act ( 15 USC 1681 section 602a ). Per 15 USC 6801, financial institutions, including those providing information to credit agencies, are obligated to consistently respect the privacy of their customers and safeguard the confidentiality of nonpublic personal information. I believe that ( Furnisher of information to credit agencies ), classified as a financial institution, falls under this obligation. However, I have not provided written consent for the disclosure of my information to Equifax and XXXX, and I wish to make it clear that any prior consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked effective immediately and indefinitely. 
As a consumer, I am entitled to ensure that my personal information is handled with fairness, impartiality, and a commitment to privacy, as mandated by the mentioned section. 
Referring to 15 USC 1681 section 604a ( 2 ), it is specified that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. I have not given written consent for the disclosure of my information to these consumer reporting agencies. I have also been violated by XXXX XXXX XXXX per my report which shows all banking history which is a violation in my banking terms agreement they had made with me. This is a violation of my privacy via the Privacy Act of 1974. 
Additionally, in accordance with 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to non affiliated third parties unless the consumer is informed of their right to exercise the nondisclosure option. I have not been informed of this right by ( Furnisher of information to credit agencies ).

Furthermore, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in a consumer report without authorization. The reporting of adverse information without my permission is a violation of this provision. 
According to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, a person is not allowed to furnish inaccurate information to a consumer reporting agency. Equifax and XXXX must ensure the accuracy of the information they receive, and I have reason to believe that inaccuracies exist. 
Lastly, in accordance with 12 CFR 1016.7, I am opting out of your reporting services at this time. 
I expect a thorough investigation into these matters and a resolution that ensures compliance with the relevant statutes.
Consumer complaint received 2024-03-29
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. (IL)

On XX/XX/XXXX - Upon receiving results of my report there still appears inaccurate reporting and its disturbing that TRANSUNION LLC continues to violate my God given rights. I am CHRIST as a reminder and I dont own anything on Gods law-land-air-water. I am clearly the beneficiary and their violating my rights under the 5th & 6th amendment of the united States Of America Republic Constitution. 

Including violating Privacy, inaccuracy of balance, charges off and collections ( 15 usc 1601, 15 usc 1666, 15 usc 1692 ( d ) ). There is no such thing as even a late payment when payments are paid in full upon application and money is created from thin air. There has been no actual currency since XXXX ; gold or silver doesnt even back the dollar anymore. We are in a fictitious corporate society that I did not land here on earth to consent to. I am from the heavens above and I thought I share the light that the Angelic Beings above and before us are gathered together and will soon destroy the wrongdoers. A mass destruction will be set upon TRANSUNION LLC organization and suffering will arise for what is being done to Gods people. 

https : //www.consumerfinance.gov/about-us/newsroom/cfpb-ftc-take-actions-against-transunion-illegal-rental-background-check-and-credit-reporting-practices/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX At- XXXX XXXX Beneficiary of Gods Trust
Consumer complaint received 2023-01-24
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 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.C 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 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to bring to your attention the discovery of fraudulent accounts on my recent credit report. It has come to my attention that these erroneous entries are adversely impacting my creditworthiness and impeding my ability to access credit facilities. Therefore, I kindly request the immediate removal of these accounts from my credit report. 

Attached is my identification and a sworn affidavit for proof of identification.
Consumer complaint received 2024-03-29
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. (IL)

On XX/XX/XXXX - Upon receiving results of my report there still appears inaccurate reporting and its disturbing that TRANSUNION LLC continues to violate my God given rights. I am XXXX as a reminder and I dont own anything on Gods law-land-air-water. I am clearly the beneficiary and their violating my rights under the 5th & 6th amendment of the united States Of America Republic Constitution.

Including violating Privacy, inaccuracy of balance, charges off and collections ( 15 usc 1601, 15 usc 1666, 15 usc 1692 ( d ) ). There is no such thing as even a late payment when payments are paid in full upon application and money is created from thin air. There has been no actual currency since XXXX ; gold or silver doesnt even back the dollar anymore. We are in a fictitious corporate society that I did not land here on earth to consent to. I am from the XXXX XXXX  and I thought I share the light that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX will be set upon TRANSUNION LL

C organization and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Zions Debt Holdings (TX)

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. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company, without my authority, used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for furnishing this unknown account on my credit report. This information has caused me to suffer monetary losses and defamation of my character.
Consumer complaint received 2023-04-19
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. (NV)

I just recently reviewed my profile and Im very upset to the result that I have received. The Credit Bureaus failed to properly investigate the matter by and have continued reporting unconfirmed & unverified information. I never received any notice from these companies that my dispute is truly mine or correct. Please remove the items below in my file : XXXXXXXX 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 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have inquiries passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 2023-03-06
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. (OH)

Sent in my dispute and the credit company didn't provide the right documents showing that the accounts didn't belong to me in a reasonable time frame that the fair credit act determined to be the time frame for their response. 

DEPT OF ED / XXXX XX/XX/XXXX XXXX DEPT OF ED / XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rent Recovery Solutions (TX)

I have paid the company the debt they alleged that I owed so that I can get approved for housing. In an attempt to secure a rental, I paid Rent Recovery Solutions as they promised to delete the collection upon payment. However, they reneged on our agreement, claiming that I did not use their preferred payment method, which was not disclosed beforehand. I lodged a complaint and requested to speak to higher management but received no response. Instead, they retaliated by falsely reporting that I had stayed at the apartment complex 's second property across the street and owed a balance to that property ( XXXX XXXX  XXXX XXXX ), which I never stayed at as I stayed at XXXX XXXX XXXX XXXX while failing to report my payment. They also listed two evictions, one of them being from the property where I never resided. I have sent multiple certified mail and return receipt letters to them that were signed that they were delivered yet they keep ignoring me. They are still attempting to collect a debt I have already paid by using deceptive, misleading, and unfair practices. For a satisfactory resolution as far as with what the CFPB can help with, I would need a permanent deletion of all accounts they are reporting to my rental and credit reports ( including the minor ones ) immediately. This is only fair as I have already paid and I need to secure housing within the next few months and fear homelessness due to continually being denied. Rent Recovery Solutions ' also lacks a debt collector license, as required in North Carolina that they are to have BEFORE attempting to collect this debt from me. Despite my request for verification of their license and license number, they have failed to provide this information. Collecting debts without a license is a felony in North Carolina. This is pertinent information about suspected illegal business practices being conducted by Rent Recovery Solutions that may be affecting the general public. I am including a letter in the attachments with more detailed information that will not fit in this box.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (DC)

I did not authorize any of these creditors to obtain my consumer report. I never released any of my information for these creditors to also obtain my consumer report. I requested information from the consumer reporting agency but they did not provide me with any information regarding this matter.
Consumer complaint received 2020-12-14
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)

XX/XX/2020 I discovered several fraudulent accounts reporting on my XX/XX/XXXX & Transunion Credit Report. I have alerted XX/XX/XXXX of the fraud by submitting Identity Theft documentation.
Consumer complaint received 2024-03-29
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. (OH)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-03-29
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. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-03-29
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. (AZ)

I am reaching out to inform you that I have sent certified copies of my identity theft report via certified mail. I kindly request confirmation that the intended recipient has received it. Additionally, it has come to my attention that it has been XXXX months since I last accessed an up-to-date consumer report online. Following the submission of a certified letter, I find myself completely locked out of my account. This situation has left me feeling targeted and possibly subjected to discrimination. I kindly ask for your assistance in resolving this matter promptly. 

Furthermore, I am disputing fraudulent accounts, inaccurate information, and inquiries present on my consumer report. As a victim of identity theft, I did not authorize the opening of these accounts, nor did I agree to their terms and conditions. In accordance with FTC and federal law, I request the removal of all fraudulent accounts, information, and inquiries outlined in the attached form from my consumer report. I also request the correction of any related finance charges and inaccuracies within my account. Furthermore, I request that you cease reporting this inaccurate information to all nationwide credit reporting agencies to which it has been provided. 

Your prompt attention to this matter would be greatly appreciated.
Consumer complaint received 2024-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have tried to reach out to XXXX on numerous occasions to resolve the issue of them continually being malicious and unethical in an effort to keep reporting negative information on my credit reports in addition to not providing a 1099-C if it is truly a charge-off. 

They are reporting a charge off with a date of XX/XX/XXXX, however when I requested a XXXX on or around XX/XX/XXXX via written correspondence, I did not receive a response. 

When I previously tried to contact them on or around XX/XX/XXXX I was advised by their representative XXXX that they no longer handled my account and the Power of Attorney was XXXX XXXX. I tried to reach out to XXXX XXXX, however there was no response. 

On or around XX/XX/XXXX there was no reporting of XXXX on my Transunion credit report as I also reconfirmed that with a representative on or around XXXX XXXX that confirmed it was not listed. As of current not only do I have one entry, but two entries for the same account with different erroneous information listed, which conveniently showed up after me reaching out to them. I now have duplicate negative accounts. In addition, they sent me an email advising that the account had NOT been cancelled or forgiven for tax purposes. I find that to be contradictory and making false statements to benefit tax wise. I have provided documents to support my claims. 

I am also receiving collection calls. If the statute of limitations to collecting a debt in California is 4 years then why are they still trying to indirectly trying to still collect? 

XXXX is also reporting a 4 month term, which anyone can see is inconsistent with the payment history. If it was a 4 month term then why would there be a history of payments over several years and not considered past due from XXXX. 

I am handicapped and the stress is overwhelming with all of the new updates that keep occuring. I tried to dispute with XXXX, however because they have a dedicated relationship to XXXX they responded to my individual dispute with them within XXXX day and did not investigate my specific dispute and overrode it with whatever XXXX submitted. Transunion has the same relationship and now is in violation as well for not fully investigating my dispute and now reinserting the account as a duplicate. 

XXXX has continually violated the FCRA by : -Ignoring document/investigation requests -Willfully and recklessy reporting false info to the credit bureaus after being notified of the reporting errs and failing to investigate or correct the error, including inaccurate remarks -Reporting a new ( duplicate ) account information after receiving notice of dispute on the old account.