davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-13
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)

in accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX 15 USC 1681 section 602 A, 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 an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-23
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. (CA)

In accordance with the Fair Credit Reporting Act. Hard inquiries are Not a matter of Fact. The list of unauthorized Inquiries below are Not a matter of fact, and has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.1681.You are obligated verify this information, or not report it to your users.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

1

5 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 A section 2 : States a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-02-23
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)

According to my research about FCRA 605, credit bureau are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX  ; XXXX XXXX  XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  : {$770.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report does not include any report containing information solely as to transactions or experience between the consumer and the person making the report. Utilization is an experience created by credit usage. Experian is furnishing utilization to my consumer report and they do not have my permission to do so. I have notified them via letter in the mail, that they needed to delete utilization from my consumer report. They refuse to do so, which is a VIOLATION of my consumer rights. I never gave Experian written instructions to report utilization. according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of this utilization is accurate and my privacy has been violated by allowing this utilization to report to my consumer report!
Consumer complaint received 2023-08-10
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 — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION (GA)

Moving forward I would like you to stop reporting to all credit reporting agencies that I owe any amount to your company. Remove all false debts from my reports ASAP. I would also like your company to mail me via postal mail. All the changes have been made or attempted to be made within 10 days of this complaint. I demand to be compensated as well for pain and suffering.
Consumer complaint received 2022-05-17
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. (MI)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request EXPERIAN, XXXX and XXXX credit bureaus, the method of verification for disputes. In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. The following accounts are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-01-27
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: American Coradius International LLC (PA)

XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXXXXXXXXXX XXXX XXXX XXXX, XXXX Consumer Complaints American Coradius International LLC Consumer Financial Protection Bureau XXXX Headquarters XXXX via website XXXX XXXX XXXX XXXX. XXXX XXXX NY XXXX XXXX XXXX, CA XXXX XXXX : XXXX/XXXX/XXXX statement from American Coradius International LLC I received the attached creditor demand dated XXXX/XXXX/XXXX just after the XX/XX/2017. I was surprised as this was the first time I became aware of an outstanding matter with XXXX. I have not used XXXX in years, and when I joined my use was infrequent. I do not even know my log in credentials. If I owe money for some reason I would appreciate the details. To have revert to a collection agency was unfair and slanderous tactics. 

Kindly provide detail for this matter so we all can arrive at proper satisfaction. 



XXXX XXXX
Consumer complaint received 2017-03-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I called trans union about removing unauthorized hard inquires on my credit report, and they refused to help me, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX , XXXX, XXXX, XXXX
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

attached is the CERTIFIED MAIL FROM USPS XXXX. Experian is discriminating against me and refuses to pick up my mail that i sent. Its been over 60 days and no response nor results!!! This is illegal and blatant violation of my federal rights. 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well beyond 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts IMMEDIATELY.
Consumer complaint received 2022-12-22
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. (TX)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or 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 accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$3600.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : $ XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-11-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Due to COVID I have had to refile my XXXX case, I filed my new XXXX on XX/XX/XXXX but the sale date has not been canceled or postponed. I called the servicer, SLS on XX/XX/XXXX and they could the sale date on my account, and I would need to call back to see what happened. But when I check online, it is still set to be sold on XX/XX/XXXX. See attached XXXX docs.
Consumer complaint received 2021-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NY)

There is a fraudulent account being reported by Equifax regarding XXXX XXXX. Under the data field " Whose account '', My name is not listed as being the owner of this account. Equifax filled in the data field with " individual ''. This does not properly answer the question " Whose account ''.
Consumer complaint received 2023-09-07
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, 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 an account without my written instructions.
Consumer complaint received 2015-11-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion never verified information. I have alert for Identity theft and they continue reporting same wrong accounts, balance. Accounts never charge off, was paid and I sent long time ago proof to fix in my credit and continue reporting. accounts was deleted was inserted again. Accounts not belong on my name. They sharing with other companies like leasing companies XXXX, etc old information and accounts with more 7 yrs and include in bankruptcy or the other person name.
Consumer complaint received 2016-10-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The issue is that XXXX, XXXX, and Transunion have not removed information off of my report that does n't belong to me. I started this process with them in XXXX and it is XXXX. I have been more than patient. At this point I have obtained an attorney to start the process of filing a small claims case against all XXXX bureaus. There is information on my report that does not belong to me and I have stated that every month. At this point the Bureaus have stopped responding to me. This is their final chance to do right, by removing these items off of my report before they are contacted by my attorney. There are also several addresses on my reports that do not belong to me either. 
Attached to this complaint are word documents of each bureau with everything that should not be on there. Addresses included. It is my expectation that they remove the items after I have been disputing these items for 10 months. If not, they are facing a lawsuit.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

My ex husband fraudulently reported child support payments in XXXX states at the same time on the same child. Missouri should not be reporting since I am currently paying Texas and have an active case with Texas. 

XX/XX/XXXX called Missouri child support Missouri child support XXXX Having interm contact Texas to resolve issue. 

XXXX. XX/XX/XXXX. XXXX Missouri XXXX support XXXX XXXX she would escalate the case and fix the problem by stopping the reporting, getting in contact with Texas XXXX interm office. 


XX/XX/XXXX case # not given when asked. Case worker replied that I just need to pay the money until Texas can prove I am current. 

XX/XX/XXXX XXXX CT XXXX XXXX 
XXXX XXXX XXXX ex husband ) phone called made requesting a XXXX? 
XXXX. 
On XX/XX/XXXX XXXX XXXX sent out payment history to XXXX XXXX, MO. 

TransUnion has foxed and then started reporting again.
Consumer complaint received 2021-06-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

On XX/XX/2021 I send a Debt Validation Affidavit letter to NATIONAL CREDIT SYSTEMS regarding an " alleged debt. '' I gave the debt collector 30 days to respond and received no information which violates 15 USC 1692g. Pursuant to the Fair Debt Collection Practices Act I have the right to request validation and receive such information in a timely manner. It has been well past 30 days, as a result, I have sent NATIONAL CREDIT SYSTEMS an Affidavit of Truth and a Cease and Desist regarding their violations. They have also violated 15 USC 1692j furnishing certain deceptive forms by having an invalidated account on my credit reports. I have included all documentation they originally received and the most recent documents. All documentation originally sent was notarized and signed and sent with a green return receipt that I also included as Exhibit A.
Consumer complaint received 2015-05-27
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (TX)

EQUIFAX I HAVE IDENTITY THEFT VICTIM I SENT OUT LETTERS TO ALL XXXX MAJOR CREDIT BEARUS ONLY XXXX WANT HONOR IT NOR GIVE ME MY CREDIT REPORT IS EQUIFAX SOME REASON I HADE LIKE XXXX OPEN AUTO LOANS AND SEVERE CHARGE OFF NOT ME MY EQUIFAX WAS OVER XXXX IN XXXX 2014 LAST TIME I EVER SEEN IT AS SOME ONE PLACED SECURITY FREEZE ON IT I CANT GET EQUIFAX TOO GIVE ME MY REPORT I SENT THEM XXXX COPIES OF MY DL THEY WANTED COPY SSN AS WELL WHICH I WOULDNT PROVIDE TOO THEM THEY SENT ME LETTER BACK SAID MY DL PICTURE DOESNT MATCH ME WOW SOME ONE HAS MY DL WITH THERE PICTURE IN YES THE DO IT XXXX GUY NAME IS XXXX XXXX I HAVE HADE MY MAIL SENT TOO OTHER ADDRESS OTHER THAN MINE SOME ONE HAS FORWARDED MY MAIL YOUR CREDIT BEARU WILL SHOW IT BUT THEY WANT PROVIDE IT ME WITH ONE I HADE BUDDY GOT IT OPEN AND PULLED IT HE SAID IT HADE OVER XXXX OPEN AUTO LOANS XXXX CHARGE OFF THEN XXXX REPO HOWS THAT EVEN POSSIBLE SO I GOT COPY OF IT DISPUTED IT ALL THEY WANT SEND BACK ANY RESULTS ITS CLOSED AGAIN ITS BEEN NIGHTMARE I HAVE XXXX PAID OFF LOANS THAT ARE MINE POSSIABLITIY GONE ACCORDING TOO DISPUTER THEY TOLD ME THEY HAVE SEEN THIS BEFORE USE INNOCENT PEOPLE CREDIT REPORTS GET ALOT AUTO CREDIT CARD LOANS THEN FREEZE IT AND FORWARDED THE MAIL TOO PO BOX AND CHANGE THE INDENTITY TOO THEM BUY CUTTING YOUR PICTURE OUT PUTTING THERES IN THERE AND PRINTING OUT YOUR SOCIAL NUMBER MAKING LOOK REAL I HAVE HADE NOTHING BUT NIGHTMARES FROM THIS I HAVE CALLED EQUIFAX THEY WANT TALK TOO ME BECAUSE I HAS FRAUD ALERT WITH QUESTIONS I CANT ANSWER THE GUY STOLE MY IDENTITY IS XXXX XXXX AND XXXX I HAVE HADE TON EMAIL PROMOTIONAL FROM XXXX XXXX AND XXXX XXXX XXXX POLICE CALLED ME 2 YEARS AGO ABOUT THIS MATTER THEY HAVE HIS REAL PICTURE ON FILE DEALER TURNED IT IN AS THE NAME DIDNT MATCH UP WITH THE BUYER SO I NEED HELP PLEASE MY BEARU HAS BEEN LOCKED ALL THIS TIME
Consumer complaint received 2023-02-08
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. (DE)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-05-17
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: Experian Information Solutions Inc. (KY)

Went to XXXX XXXX XXXX XXXX and they said they was going to send to one bank but they sent to several Listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-02-22
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. (MA)

XX/XX/2019, I have submit online dispute on equifax.com to mention that they put other person 's credit history to mine. That guy owe money and had late payment which affect my credit score. His first name is similar to mine. 

I asked them to resolve this and have no reply.
Consumer complaint received 2016-07-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (OH)

Equifax reports that there is a judgment against me in XXXX Municipal Court. It has affected my credit score to the detriment. I have written Equifax about the inaccuracy with the name difference. I finally filed in court to have this judgment vacated due to identity theft while I was overseas. The court vacated this Judgment as indicated by the attached and should be removed from my Equifax file.
Consumer complaint received 2023-08-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

This issue is a current investigation. Complaint # XXXX. There are several inaccuracies listed on my credit report and my consumer rights are being violated under the Fair Credit Reporting Act ( F.C.R.A. ), F.D.C.P.A., and my character is being defamed.

These accounts were not validated. If your agency/ company fails to respond to this debt validation request within a period of ten ( 10 ) days from the date of your receipt of my notice and affidavit, then the account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once, or I will take legal action.

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. 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.

15 U.S.C. 6802 ( a ) a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

15 U.S.C. 6802 ( b ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless that financial institution provides the consumer with three disclosures.