davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
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. (CA)

In this carefully orchestrated dance of finance and privacy, my right not to have my-personal information unjustly shared finds backing in 15 USC 6801 . The clause articulates that every financial institution, ( which, in this case, includes the Furnisher of information to credit agencies ), has an unyielding obligation to maintain the sanctity of their customers ' privacy and to shield their nonpublic personal information. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$7900.00} ; XXXX XXXXXXXX Balance : $ XXXX ; XXXX XXXX A XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) CAPIT-XXXXXXXXXXXXXX Balance : {$710.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXXXXXX on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX.
Consumer complaint received 2023-02-23
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 XXXX  XXXX XXXXXXXX XXXX Account number ( XXXX ), XXXX  account number XXXX XXXX ), XXXX account number ( XXXX ), XXXX XXXX XXXX  account number ( XXXX ), XXXX XXXX XXXX account number ( XXXX XXXX XXXX XXXX account number ( XXXX ) has violated my rights. 
15 U.S.C. 1681 section 602A 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
Consumer complaint received 2023-03-17
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: EQUIFAX, INC. (AZ)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute some negative items that have been reported on my credit report. After reviewing my credit report, I have noticed several inquiries and accounts that I do not recognize or have reason to believe might be fraudulent. I would like to request that these items be investigated and removed from my credit report immediately. 

Firstly, I do not recall authorizing the inquiries made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Since these inquiries might be fraudulent, I am requesting their immediate removal from my credit report. 

Secondly, I can not recognize the account from XXXX XXXX XXXX ( account number : XXXX ) and would like to request that this account be deleted from my credit report. 

Finally, I have concerns about the legitimacy of the accounts from XXXX XXXX XXXX ( account number : XXXX XXXX XXXX XXXX ( account number : XXXX ), XXXX XXXX XXXX ( account number : XXXX ), and XXXX XXXX XXXX ( account number : XXXX ). Either clarify the information related to these accounts or delete them from my credit report immediately. 

I believe that these negative items are impacting my credit score and ability to obtain credit in the future. I am committed to improving my credit score and being responsible with my finances, and I believe that removing these negative items will help me achieve this goal. 

Thank you for your time and consideration in this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-23
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. (TN)

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2022-05-19
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. (NC)

I have received information from XXXX, and Experian that I have a bad debt from XXXX with a collection agency called XXXX XXXX XXXX. I asked them to provide me the original contract and the date this alleged debt occurred. After several they keep coming back as verified. This causing a strain in my life and financial situation knowing someone can easily put things on my credit report with proper validation or verification. I reached out to collection agency and they sent me a letter asking me to obtain a proof of residency from XX/XX/XXXX from a XXXX bill? But XXXX XXXX Experian are reporting debt XX/XX/XXXX. Please see my attachments. They violated my rights per 15 U.S, C. 1681G Law violation.
Consumer complaint received 2023-08-19
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NAVY FEDERAL CREDIT UNION (NV)

I was given, what I believe was, a predatory auto loan by XXXX XXXX in early XXXX while on XXXX XXXX. When I was XXXX from the Navy early, I let Navy Federal know that I was as unemployed. I was unaware of my rights in XXXX. I defaulted on the loan and my last communication with Navy Federal about this loan was in XXXX. The car was repossessed in XXXX. While on unemployment in the summer of XXXX, I asked my sister to cash an unemployment check against her Navy Federal checking account on base at XXXX XXXX in XXXX XXXX. I was approached by the manager to discuss the loan, to which I said I didnt wish to do so. She refused to release my check and I had to call base pd for help. I was unaware that this wasnt something they were allowed to do but this is the last contact I had with Navy Federal about the auto loan. On XX/XX/XXXX and XX/XX/XXXX I received calls from someone stating that they had information to give me about a civil lawsuit being brought against me. I called the number on XX/XX/XXXX and was told by a representative that Navy Federal is in the process of filing a civil claims suit against. I said that I did not wish to discuss this with the representative and that they are not allowed to harass me and claim suit for a loan this hold. The representative said I was wrong and disconnected the call. I believe that this threatening behavior goes against my rights as a consumer as their window to file a civil claim has passed ( the loan originated in California and the last conversation about the loan was XXXX. I have lived in Nevada since XXXX but have not had any sort of conversation with Navy Federal during this time ). I have had decades of harassment from Navy Federal and would like this addressed.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

I have multiple hard inquiries on my credit report that I did not authorize. I have listed the hard inquiries 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
Consumer complaint received 2024-03-12
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. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX days and proper notification shall be given to all furnishers pursuant to section 605b of The XXXX Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-03-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXXXXXX XXXX, XXXX bank XXXX, XXXX XXXX XXXXXXXX i am reporting a fraudulent inquiries found in my credit report
Consumer complaint received 2023-02-23
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. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing this letter to dispute the inaccuracies and illegalities in my credit report that have caused significant harm to my credit score and financial well-being. Specifically, I am concerned with the actions of XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. 

Firstly, XXXX XXXX XXXX  XXXX reported a late payment on my account ( XXXX ) which is completely false. I have never missed a payment on this account and have always paid on time. This violation of the Fair Credit Reporting Act ( FCRA ) has caused undue harm to my credit score and has the potential to impact my future financial opportunities. 

Secondly, XXXX XXXX has reported my account ( XXXX ) as charged off, which is also false. I have made several attempts to rectify the situation with the company, but they have refused to acknowledge my payments and have continued to report the account inaccurately. This violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) has caused significant damage to my credit score and my ability to secure credit in the future. 

Thirdly, XXXX XXXX XXXX  XXXX XXXX. has reported my account ( XXXX ) as being in collection, which is also false. I have never received any communication from them regarding a collection account, and they have not provided me with any proof of such a claim. This violation of the FCRA and the Truth in Lending Act ( TILA ) has caused unnecessary harm to my credit score and my financial reputation. 

Lastly, XXXX XXXX XXXX  XXXX XXXX. XXXX has also reported my account XXXX XXXX  ) as being in collection, which is completely unfounded. This violation of the Real Estate Settlement Procedures Act ( RESPA ) and the Equal Credit Opportunity Act ( ECOA ) has caused significant damage to my credit score and my financial stability. 

I request that you investigate these inaccuracies and take appropriate action to rectify the violations of the above-mentioned laws. Please provide me with written confirmation of your findings and the actions taken to rectify these violations. 

Thank you for your attention to this matter. 

Sincerely, 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (UT)

See attachment with the purple writing on it if this comes out in color. My question is why are the expiration dates now different?????? It doesn't make any sense. I'm expecting that item which will be expiring this year per several prior reports you have sent me. I keep a close eye on those dates and mark my calendar. You've made so many errors on this particular account that I'm just sick of it!
Consumer complaint received 2024-03-12
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. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-17
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: EQUIFAX, INC. (NJ)

XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, New Jersey XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you with regard to my recent credit report. After reviewing it, I have found several inaccuracies that I would like to bring to your attention. 

Firstly, I have noticed that my name has been incorrectly listed as XXXX XXXX. This is not my name, and I request that you delete this information from my report immediately. 

Secondly, I have also found an incorrect account number listed under my name as XXXX. This is not my account, and I ask that you remove it from my report as soon as possible. 

Thirdly, I noticed that an incorrect address is associated with my account. The address listed as XX/XX/XXXX is not my address, and I request that you delete it from my report. 

Furthermore, the address listed as XXXX is also incorrect and should be removed from my report. 

Lastly, the address listed as XX/XX/XXXX is also not accurate and should be deleted from my report. 

I understand the importance of maintaining accurate credit reports, and I appreciate your attention to this matter. Please let me know if you require any additional information from me to complete these changes. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Fraudulent accounts and inquiries appearing on my credit report. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-23
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. (NY)

In XXXX XXXX I had charged {$140.00} on my XXXX account as a payment of XXXX XXXX service online. My XXXX had been inactive for 5+ years before that. Hence I forgot about the bill because I was mainly using my XXXX card. I never received any billing statement from XXXX in the mail either up until I received a letter on XXXX XXXX, XXXX XXXX 6 months after my bill ) stating that I had a balance on my account. I called XXXX immediately anxious that the charge could be a fraud ( I could not remember my bill to XXXX  whatsoever after 6 months without being reminded about it previously ). The agent who was assisting me over the phone clarified to me that there was a {$140.00} charge to XXXX since XXXX XXXX. I did remember it eventually and paid my bill over the phone the same day. Wish XXXX would have sent me a notice in the mail when I was 60 days past due instead of waiting for 6 months! I would have paid my bill then and avoided the extra late payment fees. They had charged me more than {$100.00} as late payment fees which I refused to pay. I agreed to take responsibility of two months late payment fees but they refused to accomodate me. They refused to take any responsibility of not having sent me any statement or prior notice. They kept repeating that according to their records I had asigned to paprerless statement. I made several attempts to make them understand, including one of their managers that I was not using the email account that they were sending those statements to for so many years!! After all this card had been inactive before and after XXXX XXXX. They have caused me tremendous stress and frustration. After I have already paid my main bill my late fee charges have added up to {$310.00} as of XXXX XXXX. This is affecting my credit report which is not fair because I pay all my bills on time and much more than the minimum payment due. I disputed the late payments with TransUnion. TransUnion was not able to help me. Instead I received another letter from XXXX recently offering me a settlement of {$280.00} vs {$310.00}. This is a joke! I called them again. I went over the whole story again with another of their managers. I suggested to pay late fees of 2-3 months right then if they agreed. The manager refused to accomodate me once again and kept repeating the same exact things that the others were saying in XXXX like a broken record ... ... They failed to contact me the best possible way while they could which would be through mail. This whole situation could have been prevented. Instead they kept adding late payment fees towards my unpaid late fees which is causing a considerable damage to my credit report. I do n't think this is fair.
Consumer complaint received 2023-02-23
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. (TX)

This account was recently owned by another company and i had it removed from my report, so the original creditor had to sell it to another company and the have now also added it to my report without my permission. This was my original complaint to the last company that responded and deleted : YOUR COMPLAINT Submitted to the CFPB on XX/XX/2022 In accordance with the Fair Credit Reporting act XXXX XXXX, ( Original creditor 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. 

And this is the last companies response : Company 's Response Company responded on XX/XX/2022 Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Collections Collection XXXX XXXX XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you XXXX call XXXX ( XXXX ) or you may visit XXXX With XXXX, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free XXXX credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com. 

So therfore : In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX # XXXX Original creditor : XXXX XXXX XXXX, has violated my rights. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I purchased a trip with XXXX XXXX a travel company back in XXXX of 2019 for {$2300.00}. The trip was cancelled due to Covid. I reached out to Bank of America and they gave me a credit card refund immediately. Then flash pack reversed the refund and took my money back again and instead gave me a credit for a future purchase. Then flash pack went bankrupt and I was no longer able to use the credit. Then Bank of America said it was beyond the time frame to get a refund. So I never got my money back and flash pack now told me to file a complaint with the XXXX
Consumer complaint received 2023-02-23
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. (AL)

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  Acct # XXXX Balance {$51000.00}, XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX Balance {$28000.00}, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX Acct # XXXX Balance {$790.00}, XXXX XXXX XXXX XXXX  XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX Balance {$5000.00}, XXXX XXXX Acct # XXXX Balance {$1200.00}, XXXX XXXX Acct # XXXX Balance {$6000.00}, XXXX XXXX XXXX Acct # XXXX Balance {$3600.00}, XXXX XXXX Acct # XXXX Balance {$4700.00} XXXX Acct # XXXX Balance 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 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 crime 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