davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC (VA)

I was a customer of Lexington Law on a few occasions. I may have used their services in the earlier XXXX ( using an old XXXX email address ), but I have email XXXX correspondence from them from about XX/XX/XXXX - XX/XX/XXXX, and again from about XX/XX/XXXX - XX/XX/XXXX. 

During that time, I paid as much as $ XXXX up front for their credit repair services, with very little results. I subsequently canceled the service because their sales reps kept trying to coerce me to stick with the premium plan. 

Now, all of these years later, Im hearing that Lexington Laws actions were unlawful and that theres a class action lawsuit against them. How does your class action lawsuit affect consumers, like me, who paid out thousands of dollars to Lexington Law?
Consumer complaint received 2023-03-30
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: Experian Information Solutions Inc. (SC)

Experian is reporting incorrect information on my XXXX XXXX XXXXXXXX card. They are reporting the first delinquency is XX/XX/XXXX. I filed a dispute in XX/XX/XXXX, they claim they verified it is accurate. However, XXXX removed the account from their report because the beginning of the delinquency was over XXXX years old XXXX beyond the statute of limitations. XXXX verified the account with XXXX  XXXX XXXX and the first date of delinquency was in XXXX according to their review. I believe Experian and XXXX XXXX XXXX are intentionally misreporting my credit and refusal to correct it is XXXX  due to my age, race and gender.
Consumer complaint received 2020-05-22
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)

These items attached are showing on my repost that is not mine. I've been referred to this site as a last resort to clear these things up because it's effecting my credibility to by my new home. Please see attached letters.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

most recently, i have sent dispute letters over 50 days to all three bureaus. I have not recieved any indication their was an investigation performed. under the FCRA laws consumer agencies may not report outdated negative information and that I can seek damages if consumer reporting agencies violate the fcra you may be able to sue or federal court. After mulitple attempts to resolve the bureaus violating laws 15 usc 1681 eb which deals with being 100 % responisble for reporting 100 % accurate information on my credit profile I still find myself stuck in same situation which is exhuasting me. I have demanded they remove the late payments on loans with XXXX XXXXXXXX XXXX  and XXXX XXXX, they both have mulitple different open dates which is a violation because how can i open a brand new account on multiple days? according to 15 usc 1666 b, as explained before in last few attempts to dispute, I am tracking the days of when i am to recieve my billing statement before my due date, they are not coming in from mail before 21 days they are coming in between 5-10 days. Because these bureaus have violated 15 usc 1681 eb and also 15 usc 1681s2 and not holding the furnishers reponsible for reporting correct information the late payments and collections need to be removed from my credit report because i always pay my bills on time, theyre not sending them in the fcra guideline. late payments to include XXXX XXXXXXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX 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 that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of the competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2023-04-03
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. (GA)

I contacted Experian ( credit reporting agency ) several times over the past year regarding fraudulent accounts that were opened in my name. Experian responded and told me that if I mailed my driver license, proof of mail and social security they would block the fraud accounts ( XXXX XXXX # XXXX and XXXX XXXX # XXXX ). Once I mailed in the information I called and was told by a representative that the accounts could not be blocked even with the FTC report I mailed in. I followed their instructions and they still refused to help me. The above referenced accounts are still reporting on my report.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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.

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 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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.

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 2024-02-11
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. (MI)

All items that were found to be unauthorized, including the fraudulent inquiries from XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX  XXXX XXXX XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX 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 2019-10-23
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. (NV)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2020-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (PA)

CITIBANK! The worst bank that ever existed! I deposited money to my account ( around {$10000.00} or more ), after a while they froze my account and said they are closing my accounts due to the fraud I had recently suffered and ceased all my funds! They are not responding at the branch, their customer service is in XXXX, or XXXX or XXXX! When you call them they say they are holding my funds for review for 60-90 days (!!!! ) and let me know what their final decision will be! This is called XXXX  and an illegal - literal theft of my money! This bank needs to be shut down and closed forever. 
Waiting for your help to get my funds back and fining this financial institution!
Consumer complaint received 2017-03-25
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (TX)

Ive been receiving phone calls from a number that does not speak when answered. Then I received a letter saying I of {$470.00} but is I pay now or make payment arrangements now they 'll settle at {$95.00}. 
I 've called the phone numbers listed and they are not in service. I looked the collector up on the web and once I disclosed the account # listed and that my Attorney and I have worked deligently to bring my current credit to good status, I was disconnected by the other party.
Consumer complaint received 2016-06-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In XXXX of XXXX XXXX changed from XXXX Bank to XXXX Bank. With this change there was a payment issue that I was unaware of which put my account into delinquency. 
In XXXX of XXXX, I moved. With the change over that happened within this window, the Address was not accurate or the phone number. Defaulted to old information somehow. On XXXX XXXX I spoke with XXXX in length. She was able to confirm the errors on XXXX Banks behalf. She also expressed this happened to many people. She waived all late fees, removed all interest charges, and confirmed my inaccurate contact info. 
She updated all reimbursed me for everything, and my account was brought to XXXX balance. She assured me they would send a letter to remove all three negative remarks on my credit. That never happened. I have called since then on XXXX XXXX as well as today, XXXX. All three times they are able to confirm the notes from XXXX, but are unable to confirm why the request to remove from credit was denied. Today, XXXX confirmed that it was do to several delinquencies. There were XXXX, XXXX from the initial switch, and XXXX in XXXX with the move and inaccurate info- rmation on their end. All of these were an error on the behalf of synchrony due to the switch. Once the error was caught it was immediately rectified on my end and account was brought to zero.
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: EQUIFAX, INC. (NY)

It has been discovered that you are not DISCARDING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law. 
XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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.

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 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I do not have a contract with XXXXXXXX XXXX XXXXXXXX. Nor did they provide me with any evidence of a debt. I did not authorize them to utilize my signature. I demand this account be removed from my credit report as this is willful misconduct.
Consumer complaint received 2024-02-10
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. (CA)

I am writing to file a formal complaint regarding the conduct of TransUnion, a major credit reporting agency. I believe TransUnion has violated the Fair Credit Reporting Act ( FCRA ) by not following proper procedures in verifying account information and reporting bankruptcy data. 

Upon reviewing my credit report obtained from TransUnion on XX/XX/, I discovered inaccuracies related to a bankruptcy filing. It has come to my attention that TransUnion did not directly contact the furnisher of the account, as mandated by law. Instead, they relied on third-party verification processes, such as PACER ( Public Access to Court Electronic Records ) . 

I wish to emphasize that verification through third parties like PACER is not adequate verification as stipulated by the law. The FCRA requires credit reporting agencies to directly contact the source of the information, i.e., the furnisher of the account, to ensure accuracy and reliability. 

This violation has had a detrimental impact on my creditworthiness and overall financial standing. As a result of the inaccurate reporting of bankruptcy, I have faced negative consequences, such as denial of credit or higher interest rates. 

Although I have initiated the dispute process with TransUnion to rectify the inaccuracies, I am deeply concerned about the broader implications of their failure to comply with the FCRA. It is crucial that credit reporting agencies adhere to the law to uphold the integrity of consumer credit reports and protect consumers ' rights. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against TransUnion for their non-compliance with the FCRA. Additionally, I seek assistance in resolving the inaccuracies on my credit report and ensuring that my rights as a consumer are safeguarded. 


Thank you for your attention to this matter. I anticipate a prompt response and resolution of this issue. 

Sincerely,
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. (NY)

It has been discovered that you are not DISCARDING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law. 
XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$650.00} ; XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX Date of Inquiry : XX/XX/2020 ; XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$4400.00}
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In accordance with the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX  XXXX , Account name : 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 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 2019-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (CT)

Leased a XXXX XXXX XXXX from Toyota Motor Credit Corporation. The care was in an accident on XX/XX/19 and subsequently declared a total loss by XXXX. XXXX paid Toyota in XX/XX/2019 for the loss and I had made the XX/XX/2019 payment just in case there was a lag in the insurance payoff. At the time of the XXXX payoff my account was not delinquent and should have been close at that time. The account has not been closed as of today XX/XX/19, I am owed {$3300.00} dollars that Toyota has not remitted and they have reported me as thirty and sixty days delinquent. I have spent several weeks trying to resolve this with Toyota financial to no avail and I now need help from their regulator.
Consumer complaint received 2016-10-12
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

the past year we have been working on improving our credit rating. received an email from Transunion offering ways to help better our score. I hit the enter key and read the top XXXX companies who could help, i.e. XXXX XXXX, some debt relief co 's, etc. I went into XXXX XXXX entered name and some info, then changed mind. deleted all info. Then received an email from this co that my loan was denied. HOW did they get into my report? They told me they buy names from Transunion of people wo have credit problems, I told them I wanted them to take off their inquiry on my credit report and I was going to notify FCC, XXXX, which have been completed. see attached
Consumer complaint received 2016-09-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Transunion is using false information and representation to get you to log into your account and pay. They are not proving consumer 's with a way to dispute your personal information without making a payment. This is illegal.