davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-17
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)

I am writing to file a formal complaint against XXXX, Transunion, and XXXX, regarding their handling of inaccurate information on my credit report. Despite disputing the inaccuracies, XXXX, Transunion, and XXXX conducted an insufficient investigation that resulted in the verification of fraudulent accounts, thereby violating my rights under the Fair Credit Reporting Act ( FCRA ). 
I first became aware of the inaccuracies on my credit report when I noticed discrepancies in the information reported by XXXX, Transunion, and XXXX. I promptly filed a dispute by certified mail with XXXX on XX/XX/year>, tracking number # XXXX, Transunion Tracking # XXXX, and XXXX tracking # XXXX, providing detailed documentation highlighting the incorrect names, dates of opening and closure, as well as the presence of fraudulent accounts. 

Despite my efforts, XXXX 's investigation into the disputed accounts came back as " verified, '' indicating that they failed to conduct a thorough examination of the inaccuracies. The verified presence of fraudulent accounts on my credit report not only tarnishes my creditworthiness but also exposes me to potential financial harm. 
I have enclosed copies of all three credit bureau reports, where I have clearly highlighted in red circles the incorrect information and fraudulent accounts that XXXX failed to address adequately. The discrepancies present on my credit report are not only concerning but also indicative of XXXX 's negligence in upholding their obligations under the FCRA. 
The inaccurate reporting of fraudulent accounts by XXXX is not only damaging to my financial standing but also constitutes a violation of my rights as a consumer. XXXX 's failure to conduct a thorough investigation and rectify the inaccuracies on my credit report is unacceptable and warrants immediate action. 
I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate measures to hold XXXX accountable for their actions. I request that XXXX be compelled to remove the inaccurate and fraudulent accounts from my credit report and take steps to prevent similar incidents from occurring in the future. 
Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address this issue and ensure that my rights as a consumer are protected.
Consumer complaint received 2017-09-08
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. (AZ)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.
Consumer complaint received 2024-02-23
Product: Credit reporting 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 this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish a account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

As of today, XXXX  lowered my score by 38 points. All the while, my balance continues to lower. I recently lowered my balance for two accounts by {$150.00} each an overall decrease of {$300.00}. In addition, this is the second time I have complained regarding this very same practice. They are constantly lowering my score despite my building excellent credit. In addition, I only have three open accounts, yet XXXX has me with four accounts. This has got to stop. This should not even be permissable. I would like to know what next steps I can take besides contacting you regarding this issue. I want it to stop permanently. I do not want to keep taking hours out of my day to defend erroneous actions against my ability as an XXXX to obtain goods and services at a fair rate.
Consumer complaint received 2017-09-09
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. (TX)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Consumer complaint received 2017-09-09
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. (WY)

1 month ago Equifax leaked my ( and millions of others ) Social Security number and other private information to hackers. Equifax failed to notify me of the breach, and like most other Americans affected by this breach, we only heard about it in the past week from social media and television. 

Now I must freeze my accounts, pay a credit monitoring service to notify me of fraud, and possibly look into changing my social security number depending on how many people now know it.
Consumer complaint received 2020-01-25
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. (FL)

THE ACCOUNTS DISPUTED HAS NO RELATION TO MY NAME OR SOCIAL SECURITY NUMBER. PLEASE INVESTIGATE THOSE ACCOUNTS FOR THEY HAVE BEEN SEVERELY DAMAGING MY CREDIT. THOSE ACCOUNTS ARE REPORTING INACCURATELY ON MY CREDIT REPORT AND I WOULD LIKE TO HAVE THEM PERMANENTLY DELETED OFF MY REPORT. PLEASE KEEP IN MIND THAT THOSE ACCOUNTS ARE NOT MINE AND I HAD NO KNOWLEDGE OF THEM.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I do not have an account or any knowledge of XXXX  XXXX, ACCT # XXXX, and it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. 15 U.S. Code 1692 states that upon any disputed item on a consumers credit report, the debt collector shall cease collection of the debt, or any disputed portion thereof. Therefore, this is in violation! According to 15 US Code 681s-2, 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. This collection, by law, MUST be DELETED from my credit report immediately. I do not have an agreement or contract with this company, and am at will to sue. '
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XXXX I contacted XXXX XXXX via certified mail to dispute the accuracy of the account. On XX/XX/, XXXX XXXX stated that the account was returned as unverified and they will no longer report to credit bureaus. However, I pulled my Transunion credit report and noticed it was still showing. On XX/XX/ I reached out to Transunion to request this negative unverified item to be removed but Transunion failed to honor my request when I showed proof that they were in violation of federal law.
Consumer complaint received 2021-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

RE : Complaint # : XXXX As of XXXX XX/XX/XXXX XXXX  XXXX XXXX has failed to close the account in its database and continues to report 30-day late payments for the months of XX/XX/XXXX and XX/XX/XXXX with Experian credit bureau, 30-day late payment for the month of XX/XX/XXXX with XXXX XXXX and XXXX  credit bureaus. XXXX  XXXX XXXX reasserted that there was no record of a payment which I had logged into its mortgage database on XXXX XX/XX/XXXX and scheduled to bed withdrawn from my checking account on XXXX XX/XX/XXXX, and which Ms. XXXX XXXX the bank 's Short Sale representative later advised to be canceled because I was no longer required to submit a payment while awaiting closure after the sales contract was accepted by the bank ( see attached copy of payment confirmation receipt ). Consistent with my payment history with other lenders I have never missed or made any late payment with that account. I respectfully request that XXXX  XXXX XXXX officially close the account effective XXXX XX/XX/XXXX. Proofs of on time payments previously submitted to XXXX  XXXX XXXX and the three credit bureaus on multiple occasions pertinent to inaccurate reports filed by XXXX  XXXX XXXX regarding payments made to the bank between XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2017-09-09
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. (MA)

My data was compromised in the Equifax security breach. There is a delay in enrolling in their Trusted ID  program and I am concerned about fraud. It was unfair that Equifax did not disclose the breach to consumers prior as over a month has passed, and we should have been notified earlier so that we could monitor our accounts ASAP. I am unsatisfied with the breach notification by Equifax. I am unsatisfied that Equifax had insufficient security, such that the breach occurred. 

I also think it was unconscionable that Equifax did n't clarify the class action waiver piece earlier. There was a lot of info swirling around social media that checking whether your security was compromised/enrolling in Equifax ID protection required a waiver. It is now addressed on the Equifax site but I think Equifax should have communicated better overall.
Consumer complaint received 2022-09-07
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. (MI)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2017-09-09
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. (IL)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2019-03-02
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc. (TX)

On XX/XX/XXXX IC System wrote a letter to my late father concerning an alleged debt from XXXX XXXX. This allegation had no merit, and in any event XXXX is permanently barred from any collection against the estate as a matter of Texas probate law. On XX/XX/XXXX I wrote to IC System informing them that their allegation of a debt was fraudulent, and invoked the estate 's right under the Fair Debt Collection Practices act to prohibit all further communication and demand verification of the debt. 

On XX/XX/XXXX IC System wrote another letter in WILLING, KNOWING, AND DELIBERATE VIOLATION OF 15 USC 1692c, 15 USC 1692e, and 15 USC 1692g.
Consumer complaint received 2017-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There is a person with the same first and last name as me and we share a birthday His middle initial is XXXX. Mine is XXXX. I have never lived in XXXX or XXXX CA. 
I have had this problem for over 20 years. 
He owes back child support. I am XXXX with no XXXX. 
Please help Thank you
Consumer complaint received 2017-09-08
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. (OR)

I most likely am one of the individuals impacted by equifax 's recent hack. I have not signed up for their protection program because their terms and agreements seems to waive my rights despite this being a wrong on their end.
Consumer complaint received 2017-09-08
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. (GA)

" Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Consumer complaint received 2017-09-08
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. (DE)

Equifax mishandled my information by allowing themselves to be hacked ; and according to their website I am at potential risk for my identity being stolen according to their website XXXX.
Consumer complaint received 2017-09-08
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. (VT)

As many millions of others learned today XXXX XXXX/XXXX/XXXX XXXX, my personal credit information and all of the sensitive things that go with it were hacked. This exposes me to the potential for identity theft, as that information is now essentially public to those who would wish to use it maliciously. While I understand Equifax was not directly responsible for the release of this information, they failed to protect it adequately.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On XXXX XXXX I sent a letter to TransUnion disputing a bankruptcy showing on my credit report. They responded with a letter stating that its was " verified '' this item through XXXX XXXX. I went directly to XXXX XXXX to dispute the item in question and XXXX XXXX could not verify this item so they deleted it from their database. I also went directly to the courthouse XXXX XXXX and asked do they verify with any credit agency they responded with a letter XXXX XXXX with a letter stating they do not report to any agency I then went back to TransUnion on XXXX XXXX and showed them the deleted bankruptcy from XXXX XXXX informing them that if they could not reveal how they truly verified this item then it needs to be deleted according to the FCRA. They have once again refused to delete this item which is imploding on my ability to purchase a home and causing me to pay thousands more in interest every year. This item needs to be deleted from my credit report if it can not be verified within 30 days.
Consumer complaint received 2020-10-20
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. (OH)

To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX   XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809.

Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX  # XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and Columbus Police Dept.I need this collection account to be removed from my credit report.XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2017-09-08
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. (TX)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. 

I 'd like some form of commitment that this wo n't negatively affect my ability to get a mortgage in the next few years.
Consumer complaint received 2017-09-09
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. (AZ)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected
Consumer complaint received 2017-09-08
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. (CA)

Equifax Inc. insufficiently protected my data, and subsequently allowed it to be taken in their recent security breach. Equifax Inc. failed to notify me at the time of the breach, so my data may have been in unscrupulous hands for over two months while the company failed to take action to inform me. While I have not yet experienced identity theft as a result of this negligence, I expect better of a company that has access to sensitive financial information of hundreds of millions of Americans. I hope that Congress will take action to require accountability for major breaches such as this in the future.
Consumer complaint received 2017-09-09
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. (CA)

When I was purchasing a vehicle in XXXX XXXX and XXXX XXXX my credit was run by companies that I did not authorize. Majority of which I do n't recall even speaking too or receiving any information of them having ran my credit