davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-16
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. (MI)

I acquired my credit report and asked the credit bureaus to check and make sure everything was Complete and accurate according to 15 USC 1681i ( 5 ) Ill wait 30 days and receive my info investigation and noticed everything was still the same. The consumer reporting agencies which is XXXX XXXX and Trans Union did not modify or remove anything. The open day is not correct they last accurate is not correct on three credit report dates of the last payment is not correct on all three credit reports. Which is a violation this is impacting me from moving forward to buying a house for my family. I attach my previous credit report and my new credit report to show how XXXX Trans Union XXXX violated my rights
Consumer complaint received 2023-03-07
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. (GA)

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 U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX 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 2023-02-16
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)

I have no knowledge of this XXXX  credit error showing on my credit report. I was a victim of Identity theft and reported it on XXXX & XXXX. I dont know if this is associate with that but this is not my debt. I have mailed out 2 request to the credit bureau and the company. I have not received a response from the credit bureau and XXXX told me they have no record of an account with me. I need this collections removed
Consumer complaint received 2023-05-19
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. (NV)

On several occasions, I have filed for my invasion of privacy 15 US 1681 ( a ) ( 4 ) consumers ' right to privacy and identity theft. Previous case numbers XXXX XXXX, XXXX Equifax, XXXX XXXX XXXX I have proven several times that I never gave written permission to use my information on any credit report. These credit bureaus constantly write back stating that your Bankruptcy is accurate. I already know that. This also shows continuous identity theft by not removing Bankruptcy from a credit report when showing violations. I have filed with Nevada State Attorney General 's office for identity theft. Violation NRS 205.4651.
Consumer complaint received 2023-05-19
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: Experian Information Solutions Inc. (CA)

The Fair Credit Reporting Act ( FCRA ) is a federal law that protects consumers ' rights to access and correct their credit reports. The FCRA also sets rules for how credit reporting companies can collect and report information about consumers. 

In XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) announced new rules that would require credit reporting companies to remove certain types of collections accounts from consumers ' credit reports after two years. The new rules went into effect on XX/XX/XXXX. 

Under the new rules, credit reporting companies must remove collections accounts that are : More than two years old Not disputed by the consumer Not listed as paid in full The new rules do not apply to collections accounts that are : Still within the statute of limitations for collection Involving bankruptcy For government debts, such as student loans or taxes If you have a collections account on your credit report that is more than two years old, you can request that it be removed. You can do this by contacting the credit reporting company directly or by filing a dispute with the CFPB. 

The new FCRA laws about collections older than 2 years are a major victory for consumers. These laws will help consumers improve their credit scores and access credit. They will also make it more difficult for credit reporting companies to keep inaccurate or outdated information on consumers ' credit reports. 

Here are some additional things to keep in mind about the new FCRA laws about collections older than 2 years : The new rules only apply to collections accounts that are reported on credit reports. If a collections account is not reported on your credit report, the new rules do not apply. 
The new rules do not apply to all collections accounts. The new rules only apply to collections accounts that are more than two years old, not disputed by the consumer, and not listed as paid in full. 
If you have a collections account that is more than two years old, you can request that it be removed from your credit report. You can do this by contacting the credit reporting company directly or by filing a dispute with the CFPB
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-16
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. (FL)

I have mailed out 2 request to the credit bureau informing them that the late payments that are reflecting on my credit report are inaccurate and its a credit error. I have not received any response so I am taking the next step necessary. This is affecting my credit and I am not able to purchase a home at this time
Consumer complaint received 2024-02-12
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. (NY)

I, XXXX, XXXX XXXX, federally protected consumer, a natural living being of majority status conducting the style and condition of The Principle and Beneficial Equitable Holder, and not an infant/minor, have the right to make sure my private, non public information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are all financial institutions by definition under that title. 

According to 15 U.S.Code 1681c-2, this is my official statement that all the listed accounts have been reported without my expressed written consent and therefore is a result of identity theft and must be removed. These accounts are not related to any transaction made by me, the consumer. 

I am the card holder which was issued to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  so that I can receive a open end account with them ; to receive payments with them and defer. 

I have opted out and rescinded any authority I may have given XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to report about me to any XXXX party, and I have a right to privacy, which is attached to this complaint. 

TransUnion needs to provide strict proof that the alleged creditor ( XXXX XXXX XXXX XXXX XXXX ) is, indeed, the secured party and holder in due course of the aforesaid alleged original agreement in issue and has an enforceable perfected security interest therein pursuant to and in compliance with the Uniform Commercial Code ( U.C.C. ) Section 9-203, Section 9-204 ( 1 ), and Section 9-305, or equivalent sections of the Commercial Code of New York State OR remove the account immediately as it is a result of identity theft.

TransUnion and its affiliates listed above are also in violation of the previous conditional cease and desist what was attached to the complaint ( s ) and Opt Out Notice ( s ) which have not been honored. 

Ive requested my consumer file numerous times and haven't received it, only my consumer report which still shows inaccurate non-public information. ( proof has been attached ) Please See Attached Documents which include the following : Exhibit A : Affidavit of Truth/ Cease and Desist/Settlement offer Opt Out Confirmation ( XXXX ) Identity theft report Passport Card ( Identification ) Power of Attorney/ CAF Notice/ Fee Schedule Invoice
Consumer complaint received 2023-03-08
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. (CA)

I refuse to pay the alleged obligations on my credit file because I have not signed a binding contract with the persons listed below. secondly if there is a contact binding me to any person listed below the signature is fraud and was not signed with my own hand. thirdly the persons listed below is reporting unverified information on my credit file with extortionate intentions to blackmail me into paying a alleged debt not owed to them there conduct is a violation of 18 U.S.C 894. Lastly i never gave the persons listed below written permission to use my personal information. the use of my personal identifying information was obtained by Aggravated Identity theft wherefore there conduct is a violation of 18 U.S.C 1028A. 
If this credit reporting agency continue to report these accounts you admit to be conspiring to the crime committed by the persons listed below. FTC identity theft affidavit enclosed. 


XXXX XXXX XXXX Balance {$190.00} XXXX XXXX Closed 13potentially negative monthsAccount Info Account number XXXX XXXX XXXX XXXX negative monthsAccount InfoAccount numberXXXX
Consumer complaint received 2020-11-11
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Caneel Capital, LLC (CA)

On XX/XX/2020 a process server served Trinita ( " Debt Collector '' ) CONSUMER NOTICE OF DISPUTED DEBT 15 U.S.C. 1692g et seq. FDCPA ; Alleged Plaintiff are debt collectors as that term is defined by 15 USC1692a ( 6 ) and Cal. Civ. Code 1788.17. Defendant is a consumer as that term is defined by 15 USC1692a ( 3 ) and C al. Civ. Code 1798.140.

The debt collector has not stopped from collecting the debt after being served the debt dispute letter pursuant to 15 U.S.C. 1692g et seq. FDCPA. The debt collector continues to damage me ( XXXX XXXX ) by threatening foreclosure sale.
Consumer complaint received 2020-11-11
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: CONTRACT CALLERS INC (GA)

In XXXX of 2018, I submitted a Fraud Packet to XXXX XXXX for ( 2 ) Fraudulent accounts that had been opened in my name, using my SSN # a year apart. I submitted a police report, tried reaching out to the Creditor ( Contract Callers ), who was very rude. I've also worked with XXXX XXXX XXXX who completed my fraud package for both fraudulent accounts. Two years later, there is STILL a mark on my credit report from this creditor saying : " Comment : Account previously in dispute - investigation complete, reported by data furnisher. Account paid in full for less than full balance '' This was NEVER my account and opened fraudulently using my SSN #. The historical data from the dispute on XXXX  shows that XXXX XXXX is the original creditor. Each time I submit a new dispute, I get the same answer. PLEASE help me get this account removed from all ( 3 ) credit reports! I have all documentation to support this ; including bank statements with my correct address at the time of the fraudulent account activity. Both times.
Consumer complaint received 2023-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am writing to dispute the accuracy of the information on my credit report. Specifically, there are several violations of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) that have negatively impacted my credit score and my life. 

Firstly, with regards to my account with XXXX XXXX # XXXX, there are discrepancies between the reporting of Trans Union and XXXX. While Trans Union recorded a monthly payment of {$0.00}, XXXX and XXXX did not. Additionally, Trans Union reported a late payment on this account, despite the fact that I have never missed a payment. These errors are in violation of Section 1681s-2 ( a ) of the FCRA, which requires creditors to provide accurate and complete information to credit reporting agencies.

Furthermore, there are inconsistencies in the reporting of the last reported date and last active date for this account across different bureaus. This is a violation of Section 1681e ( b ) of the FCRA, which requires credit reporting agencies to maintain reasonable procedures to ensure the accuracy of the information they collect and distribute. 

XXXX account, XXXX. I have never received any notification from XXXX regarding this charge-off account, and they have failed to provide me with any paperwork related to the charge-off. Additionally, the other two bureaus have not reported any negative information on this account. 

The inaccurate and incomplete information reported by XXXX has had a severe impact on my life. It has made it difficult for me to obtain credit, and I have been denied credit on numerous occasions due to this inaccurate information. I have been forced to pay higher interest rates on credit cards and loans, which has resulted in significant financial hardship for me and my family. 

I believe that XXXX has violated the FCRA, specifically sections 1681s-2 ( a ), 1681i ( a ), and 1681e ( b ), by failing to provide accurate and complete information, failing to notify me properly of the charge-off status, and failing to maintain reasonable procedures to ensure the accuracy of the information they collect and distribute. 

Furthermore, I believe that XXXX 's actions constitute unfair, deceptive, or abusive acts or practices, in violation of Section 1036 of the CFPA. 

Therefore, I am requesting that XXXX remove this unverified collection account from my credit report immediately. I would appreciate your prompt attention to this matter. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-16
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. (GA)

I tried to resolve this matter on my own several times. I have not received a response from them in over 30 days as law allows them to respond to me with proof I gave them consent to share my personal alleged transactions. They are sharing my information with 3rd party companies and making a profit without my consent or knowledge which is identity theft.please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or ( ANYCOMPANY ) such authority.
Consumer complaint received 2024-03-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I was a victim of identity theft and 2020 I submitted a police report along with all documentation to Trans Union and XXXX and XXXX. All the accounting questions are removed from my credit report matter starting to show back up and I scored his job and I am in the process of trying to get a home equity line and it is really bad. I need these accounts and is along with all
Consumer complaint received 2023-02-15
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. (IL)

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 # : XXXX, Account name : XXXX XXXX, Account # : XXXX Account name : XXXX XXXX, Account # : XXXX Account name : XXXX Account # : XXXX Account name : 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 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 2023-05-19
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (CA)

NCA National Credit Adjusters has put a collection account for XXXX XXXX on my report that I do not own. I have never done business with XXXX XXXX yet nobody will listen nor provide me proof that it is my debt. THIS IS CROOKED and I AM SO FRUSTRATED!!
Consumer complaint received 2023-02-16
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. (NJ)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-16
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXX XXXX Balance {$0.00}.