davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-11
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. (SC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-16
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. (CA)

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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. 

XXXX XXXX  - Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX  - Account # XXXX XXXX XXXX - Account # XXXX XXXX XXXX- Account XXXX XXXX
Consumer complaint received 2023-05-11
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: AMERICAN EXPRESS COMPANY (CT)

My computer started flashing, it and said my computer was being hatched and I need to call the number XXXX. I called it and he said his name was XXXX and the complaint number is XXXX. He said that an international XXXX Company - charged {$15000.00} to my credit card ( AMEX ). He said he would connect me with thr FCC and they would connect me with the AMEX representative, his name was XXXX XXXX complaint number XXXX and his phone number was XXXX. He sated the only way to resolved this would be to do a duplicate order in the amount by purchasing gift cards and XXXX XXXX and XXXX 's. He said my phone was hacked as well and He needed to stay on the phone. The fear was so great that I did this, as if I froze and could not think clearly. I did purchase a {$2000.00} at XXXX XXXX and 3 cards totaling {$6000.00} at XXXX 's. At this point, something clicked and I finally understood was part of a fraudulent scam. I went to the police department in XXXX Ct - XXXX XXXX took my case and put a report together. When I called Amex to report this at the police department and explained the situation, they said the orders were pending, I asked them to stop the charges and they would not, they said I had to wait until the orders were processed. I have copies of the pending charges. I have been a loyal AMEX customer for over 25 years. They will not reverse the charges. I have put claims in with both XXXX XXXX and XXXX 's and working with my branch manager at XXXX  XXXX XXXX to help me with this. I did call victim services of Ct and had a call with the representative on XX/XX/2023. Hopefully you can help me resolve this issue with AMEX.
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (GA)

I closed on a XXXX refinance loan XX/XX/2023. 
However on or about XX/XX/2023 after signing and sending disclosure documents back to XXXX, I began getting an inordinate amount of calls, 7-10 per day for a week and in fact I am still getting them from Mortgage Companies wanting to know my interest in refinancing. 
Since I did not work with any other company than XXXX and my loan was a few days from closing, I wanted to where these Mortgage Companies got my name, phone number and other person al information. I was told that the credit companies XXXX used in processing my loan sent the my personal information to them. 
Sending out my information to companies I did not request should be unlawful. 
According to Credit Score Disclosure from XXXX XXXX, my information is sent to XXXX who intern released it to the Mortgage Companies. It is not a reach to think that someone is paying for the exchange of individual credit information. 
I object to my information being released without my knowing and permission which of course generated a huge number of robo calls from many different Mortgage Companies. It is an invasion of my privacy. 
The other aspect of this is that there was no benefit to me since my information was sent to these mortgage companies very late in the process with XXXX. 
Again my bottom line complaint is that these credit companies should not send out information to Mortgage Companies without approval.
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 — Account information incorrect
Company: EQUIFAX, INC. (VA)

I received a letter indicating that my student loans have been forgiven. Also, the Federal Student Aid website indicates that I now have a XXXX balance but my loan service provider, XXXX, fail to update the credit bureaus with this information. My account/records should reflect a XXXX balance and status as paid in full.
Consumer complaint received 2022-10-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (AR)

On XX/XX/2022 my bank, XXXX Bank XXXX XXXX, AR, overnighted a cashiers check to Ally Auto for the amount of {$14000.00}. The tracking number of XXXX shows that it was delivered on XX/XX/2022. Approximately XX/XX/XXXX I checked my online account and the payment hadnt been posted so I called to check on it. I was told to call back within the next two days to check. I was told this every few days over the course of two weeks. At the end of week two I started pressing harder when I called because I was tired of the runaround. I provided all of the information requested ( MULTIPLE TIMES ) such as the tracking number and address it was delivered to. I was told more than once a ticket would be opened with the payment department and it would be investigated. It has now been over three weeks since the payment was received. My payment is severely overdue ( it was due on XXXX ) and the payoff amount is well past the ten day payoff quote that was sent. Im also afraid its going to affect my credit score. I need to be in touch with someone who can handle this and quit giving us the runaround about losing our payment.
Consumer complaint received 2022-09-30
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. (FL)

I am writing to request an investigation of the following information that appears on my Equifax, XXXX and XXXX consumer report : Dispute 1 Account Number- XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dates associated with item being disputed : XX/XX/2017 Original Creditor : XXXX XXXX XXXX Collection Agency : XXXX XXXX Explanation of Inaccuracy : This item XXXX XXXX XXXX XXXX is inaccurate because the balance is incorrect. It was brought to the attention of both the original creditor and collection agency on numerous occasions. They seldom respond to requests to investigate. They have failed to provide evidence of the original contract. This is a clear violation of consumer rights outlined in FDCPA. 

Enclosures Copy of credit report E-mail correspondence from XXXX XXXX acknowledging the incorrect balance 4 different final statements from XXXX XXXX XXXX of cancellation of pre-move out inspections to confirm accurate bill Evidence of no response to inquiries made to XXXX ( the collection agency )
Consumer complaint received 2023-03-08
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. (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 US C 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXXXXXX XXXX has violated my rights.

15 US C 1681 Section 602 A states, I have the right to privacy.

15 US C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.

15 US 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 information, other than records of convictions of crimes which antedates the report by more than seven years.

15 US 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 2022-10-17
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: EQUIFAX, INC. (TX)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to corrected immediately : XXXX XXXX XXXX Balanced Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$22.00}
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following fraudulent items ASAP Im 4 business days of receipt Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, XXXX and Equifax a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days. This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the XXXX Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me.
Consumer complaint received 2022-10-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to corrected immediately : XXXX XXXX XXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$22.00}
Consumer complaint received 2023-03-08
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: EQUIFAX, INC. (NC)

I have reached out to Equifax on multiple occasions and asked to provide details and verification on medical collection account there are reporting not only does this account not have a name of the creditor that is reporting this alleged medical debt but i asked for the original contract of services in question. I have not been provided with any information to alleged debt or any response to the validity of this and this which violates my privacy and HIPPA rights. I would like this account deleted as it violates my Privacy and HIPPA rights. The debt is under {$500.00} to me understand any medical debt under {$500.00} should not be reporting on your credit report. 

Original Creditor : ) Equifax Account # : XXXX Account Type : Collection Account Type - Detail : Collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$350.00} No. of Months ( terms ) : - High Credit : {$350.00} Credit Limit : - Past Due : - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Medical Subject has not satisfied debt. 
Date Last Active : XX/XX/XXXX Date of Last Payment : -
Consumer complaint received 2024-03-15
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. (NH)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022
Consumer complaint received 2023-03-05
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-05
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXXXXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXXXXXX XXXX XXXXXXXX Account Number XXXX Account Name XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX XXXX Account Name XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX Account Name XXXX XXXX Account Number 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
Consumer complaint received 2023-03-05
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX stated that payment was late 30 - 59 days late and that is false. I am current I talked to manager XXXX and he stated they will fix the issue. Months later I still see missed payment.
Consumer complaint received 2023-03-05
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I am writing in hopes that Transunion will be held accountable for not doing their job. I have incorrect reporting on my credit report that I have attempted to get corrected for the last six months. I have sent in dispute letters to have these incorrect entries fixed but have not been able to. I have been receiving stall letters from Transunion. I have included the most recent one below. Under the FCRA I have every right to dispute errors on my report as it directly damages my ability to finance credit. I am writing on two accounts specifically that have multiple reporting errors that have gone un-investigated by Transunion for more than 30 days and must be removed immediately per the law. Under the FCRA these accounts must be corrected and/or deleted in that time frame with an investigation. I also have multiple inquiries on my credit report that were not made by me. They were made by another person who gained access to my personal information by a man named XXXX XXXX who is currently being investigated by the CFPB for fraud. I had two accounts that were attempted to be opened by this person or his company. I am prepared to file a lawsuit against Transunion based on this lack of investigation into this false information. I have listed the following accounts/inquiries that are incorrect on my report. 

XXXXXXXX XXXX  ACCT # - XXXX XX/XX/XXXX and XXXX XXXX  15 U.S.C XXXX : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

2 payments were made each of those months and I want them updated to positive. I have included a payment history from XXXX XXXX  itself XXXX XXXX ACCT # - XXXX I have filed multiple entries with the CFPB about this company and their incorrect reporting which you should be abke t see. They stated in the response that they were at fault and that they would have the account corrected. It has not been corrected and continues to report incorrect late payments. This account needs to be removed completely as the reporting is never updated correctly and a lawsuit will follow on this as well to Transunion. Transunion refuses to investigate further with their stall letters. It has been past 30 days since my last dispute has been filed. Per the representative at Transunion on a recorded line, they received my disputes on XX/XX/XXXX. Nothing has been investigated. Per the FCRA the account needs to be removed. I want this account removed immediately. 

Inquiries for the following were not made by me and are fraudulent and I would like them removed. Transunion fails to investigate. 

XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-09-30
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. (DC)

In accordance with the Fair credit Reporting act 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 an account without my written instructions.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2024-03-15
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. ()

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$450.00}