davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX I pulled my Consumer report and I am showing Transunion Credit Reporting agency is reporting 7 inquiries from companies I did not authorize nor recognize.They are violating federal laws 15 USC 1692g ( debt validation ) as they never validated the debt with the original creditor. They have violated 15 USC 1681 ( Consumers Privacy rights ), they have also violated FDCPA. They are reporting inaccurate information on my consumer report hindering me from obtaining credit for a car. I sent certified mail demanding removal on XX/XX/XXXX and they have failed to respond. According to federal laws they have 30 days to respond and are outside of the response time window. 


15 U.S. Code 1681d - Disclosure of investigative consumer reports ( 2 ) Inquiries A consumer reporting agency shall not make an inquiry for the purpose of preparing an investigative consumer report on a consumer for employment purposes if the making of the inquiry by an employer or prospective employer of the consumer would violate any applicable Federal or State equal employment opportunity law or regulation. 

I demand removal of the misinformation being reported without my consent. They are also invading my privacy which is against federal laws.
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. (NV)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$5100.00}
Consumer complaint received 2020-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

I want to change my residence address and employment information on my credit report. I tried to get my credit report online so that I could change my residence address and employment information, it needed to be updated becauseit has changed and what Equifax has on my credit report is incorrect. I went through, XXXX to get my annual report. 

Equifax would not give it to me online, XXXX had me fill out a form and send it to them along with my driver 's license and social securitycard, which I did. 

On XX/XX/XXXX, I receiveda letter from Equifax stating they wanted me to send them the same XXXX asked for, which was my identifying documents, which I did. I sent them a letter to change my residence address and employment information, along with the info they requested. They still did not honor my request. 

On XX/XX/XXXX, I receiveda letter from Equifax reiteratingthe same letter they sent to me on XX/XX/XXXX, excludingmy change of address and employmentinformationand sending me verification that the change has been completed. I want my residence address and employment information changed to the correct information.
Consumer complaint received 2024-03-16
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. (CA)

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 611 ( 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 2020-01-16
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)

PLEASE REMOVE THE DISPUTED ACCOUNTS OFF MY CREDIT REPORT, FOR I HAD NO KNOWLEDGE OF THIS ACCOUNT. IT WAS INACCURATELY PLACED ON MY REPORT. PLEASE DELETE THOD ACCOUNT ON ALL THE REPORTING BUREAUS
Consumer complaint received 2020-01-16
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: EQUIFAX, INC. (FL)

PLEASE REMOVE THE DISPUTED ACCOUNTS OFF MY CREDIT REPORT, FOR I HAD NO KNOWLEDGE OF THIS ACCOUNT. IT WAS INACCURATELY PLACED ON MY REPORT. PLEASE DELETE THOD ACCOUNT ON ALL THE REPORTING BUREAUS
Consumer complaint received 2020-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (TN)

Looking at my credit report I noticed I had 16 late payments. Late payments were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. During this period I had lost my job due to business relocating out of state. Even though I wasnt able to make payment on my loan, would it not be one late payment per month? I have one account number with sequence numbers that fall under the one account number. Unless I have four different account numbers but I can only find one. I've tried to get a goodwill adjustment for my student loans two years ago with no success. I feel that 16 late payments is a little excessive in four month period.
Consumer complaint received 2022-02-24
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. (MA)

I went into a XXXX XXXX on XX/XX/XXXX. At checkout I was invited to get 15 % off and told I was applying for points and it would be a soft pull. Minutes later, I got alerts that there were inquires. I alerted the store and synchrony bank. The bank told me to write a written statement about the incident and mail it. Weeks later I was told the inquiry was removed. However, last week I received a letter that there was another inquiry from XXXX XXXX. I have not applied for anything and this inquiry is on TransUnion. I also filed for bankruptcy in XXXX and all past inquires should have been discharged, but they still remain. I am very concerned because I also got an alert yesterday of dark web activity for my social security number and license number. Please help.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

there has been hacks into XXXX Trans Union and XXXX systems in the credit reporting on my credit report is incorrect. Also I never gave them permission to report any of the companies reported on my report according to 15 U.S. Code 1681b - Permissible purposes of consumer reports
Consumer complaint received 2022-10-31
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. (WA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have stated before for the nth time that this account below is not mine. The mere fact that you guys there at Equifax are ignoring my complaints all the time makes my head spin. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please DELETE the account below : Original creditor : XXXX
Consumer complaint received 2022-02-24
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. (IL)

I have submitted multiple disputes and provided ample documentation to the credit reporting agencies regarding a medical collection that Medicaid paid late. This item should not be on my credit report and Medicaid has issued a XXXX XXXX XXXX investigation letter stating that I am not to be billed. XXXX, XXXX, and Transunion continue to report this as a paid collection instead of deleting.
Consumer complaint received 2023-02-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (LA)

I have sent written notification ( a certified document through United States Postal Service, Document Attached ) to Credit Collection Service requesting documentation of any contractual relationship between myself, & Credit Collection Service. This was not a request for verification or validation. This was a request for proof of contract to substantiate Credit Collection Service 's claim to XXXX, XXXX XXXX XXXX, that I owe Credit Collection Service, {$640.00}. I requested any agreement with any " client '' that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. Any automated response such as XXXX XXXX, XXXX XXXX or XXXX, " verification '' is unacceptable. Certification of a contract bearing my signature can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question. Furthermore, Credit Collection Service is not a licensed business in the State of Louisiana ( Attachment Enclosed ).
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX Report # 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 can not furnish a account without my written instructions
Consumer complaint received 2023-06-07
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. (TN)

It appears that my credit with you has been compromised. I was going through my records & noticed many files 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 items which are 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. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TN XXXX, XXXX XXXX XXXX XXXX Balance : {$11000.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$2500.00}, XXXX XXXX ( Original Creditor : 12 XXXX ) XXXX Balance : {$350.00}, XXXX XXXX  XXXX Balance : {$4700.00}, XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-02-24
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. (FL)

i am XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS ans INQUIRIES from my credit report immediately.
Consumer complaint received 2019-11-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (KS)

I have received repeated e-mails from " TrueAccord '' about a debt I do not owe. I contacted True Accord on XX/XX/19 and spoke with a " XXXX '' and advised her I had credit protection on this credit card and that I had been hospitalized in XXXX and have been receiving care since then as I am XXXX   XXXX. Due to this, my credit protection should pay this off in its entirety because I became XXXX XXXX for a date that the originally approved a claim on. 
XXXX was completely rude, continued to badger me. 
A copy of the call is attached. 
This companies stance seems to be that they have no requirement under XXXX to initiate a dispute and so their purpose is literally for no other reason than to harass people and effectively extort them to pay something they should not be liable for!
Consumer complaint received 2023-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-01-17
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (FL)

On XX/XX/XXXX I received two sets of XXXX modification documents from Ms XXXX XXXX saying Please sign, notarize, and return to us. Because document need to be update. Attached documents of Loan Modification Agreement ( Mortgage ). No copies send to me to this day. 

Clerk of the Circuit Court : Satisfaction of Mortgage was recorded On XX/XX/XXXX from Secretary of Housing and Urban Development. Attached copies Note : Subordinate Mortgage On XXXX XXXX I request HUD Lien released XXXX XXXX XXXX XXXX reply from Ms XXXX XXXX was US Bank recorded two mortgages for the same amount when they did my partial claim. They must have realized their mistake and released the mortgage recorded in error in XXXX. The Subordinate Mortgage is still owing Attached document and FHA Case # XXXX I reached out to US BANK NO ASSISTANCE just phone tag. Why do I have two Subordinate Mortgage with two difference company for the same amount {$1000.00} that why I am filing this complaint.
Consumer complaint received 2020-01-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC (MD)

I got a loan of XXXX dollars. Payments were XXXX a month, I had some medical problems and missed a couple payments now they want me to over XXXX dollars back This is over 900 % interest How is this possible, they are robbing seniors I am XXXX and can not make these payments being on fix income.
Consumer complaint received 2020-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NC)

I was given a free account with Equifax as part of their fraud breach resolution. I was on my account and saw that there was no credit score posted. The credit report was there, but no score. I got on live chat with them to see what was causing the problem and they locked me out of my account. When I tried to talk to someone at Equifax to get back in I had to answer a set of questions based on my report. They have all of the basic information correct on me, but when it gets to the questions about things on my report, nothing they ask matches anything from my credit report. Now they are telling me that I have to resend all of the paperwork that I have sent to them about 5 times to get access to my account. Mind you, I had no problem getting into my account until I chatted with someone their live chat service about why my credit score was not showing up. If I can not get into my account, then this is a violation of the agreement set up in place of them compensating me money for losing my information in the breach. Equifax is one sorry company to deal with. I don't know why the federal government has not shut them down.
Consumer complaint received 2022-07-13
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. (TX)

I am submitting this complaint to delete the following fraudulent items in my file that are reporting on Experian, XXXX and XXXX Credit Bureaus. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$310.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$490.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$380.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/2021 ; XXXX XXXX XXXXXX/XX/2021.
Consumer complaint received 2024-03-16
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. (NY)

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 611 ( 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.