davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-25
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)

In accordance with fair credit reporting act XXXX account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 
Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX Balance {$35.00} Highest Balance {$36.00} Opened XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Medical Original Creditor Name XXXX XXXX XXXX  Closed No Info
Consumer complaint received 2022-06-06
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. (AL)

I contacted the credit reporting agency about the account below and they have not investigated them for accuracy or legitimacy. This account is not mine.. The collection companies have provided no proof that these are mine. XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  Account No. XXXX Original Creditor XXXX XXXX  XXXX  XXXX  XXXX  XXXX XXXX Responsibility Individual Condition Derogatory Original Balance XXXX Balance XXXX Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX
Consumer complaint received 2023-01-09
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

The XXXX XXXX  court granted to re-open my case in XX/XX/XXXX. Home foreclosed in XXXX by XXXX due to Bank of America misrepresenting the mortgage services process. Bank of America used loan fraud and discrimination by failing to make an accurate and complete disclosure of payments through the Obama Administrations efforts to provide relief to my mortgage and homeownership in XXXX, Ohio. On XX/XX/XXXX, the loan bankruptcy discharged the mortgage debt. They used deception through us a mail and by documents provided through Bank of America. On or about XX/XX/XXXX, Bank of America used an Associate title company to notarize documents under the save the dream foreclosure prevention program. Their mortgage servicing misled me to continue making payments after the bankruptcy discharge. Bank of America worked with XXXX XXXX XXXX to hold an escrow account for XXXX XXXX XXXX for the government-approved crisis funds. The document XXXX XXXX XXXX reveals not to make payments ; that loan foreclosure prevention would help clear the liens and Residential loans. 

They used documents and the XXXX system to pretext a cause for collection to deprive me of credit and finical information as they knew the housing crises I was hurt. ThXXXX XXXX XXXX XXXX XXXXxperience an undue hardship ; the XXXX XXXX XXXX discharged debt. Bank of America took advantage of me during the crisis and failed to satisfy the liens after they brought out Countrywide Mortgage Service. Instead, they used defective During the pandemic in XXXX. My home had illegal foreclosure against XXXX XXXX XXXX  discharge ( s ) during a state of Ohio state and federal moratorium.XXXX, I brought home through the XXXX XXXX XXXX XXXX XXXXXXXX that assigned XXXX XXXX XXXX XXXX the bank to be an indirect mortgage holder for the XXXX XXXX XXXXXXXX XXXX The XXXX XXXX XXXX XXXX XXXX XXXX ) is the seller of the property in the original loan origination and original warranty deed to the land property is me XX/XX/XXXX, I signed documents at XXXX XXXX XXXX that included title insurance, homeowner insurance, truth in lending, Hud compliance document, XXXX XXXX XXXX application mortgage servicer which, name as Countywide Mortgage Servicer, and agreement was no assumption of the loan, Bank of America used home-retention options to discuss government assistance after my bankruptcy discharge with my mortgage servicer ( s ), including refinances and programs through Loan Modification/Affordable Mortgage Modification forbearance and forgiveness and lien release. They used the system to Financially Fraud Residential Mortgage-Backed up by government assistance. They breach mortgage contracts and process scams against bankruptcy discharge and crisis.
Consumer complaint received 2022-09-23
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. (CA)

On XX/XX/XXXX i disputed item from my credit report as fraudulent it was blocked for a week then reappeared again as open account when i talked with both credit bureaus and creditor which is XXXX  XXXX today on XX/XX/22 i talked to XXXX XXXXXXXX on recorded line where the fraud investigation team reassured that upon investigation they came up to conclusion that the information was inaccurate and should be erased from credit but nor creditor nor credit bureaus took action it still shows on my credit and from my end i took all the requirements such as filing an ftc report and police report and provided all necessary information to prove that it was opened without my authorization.
Consumer complaint received 2022-03-20
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. (MO)

n accordance with the Fair Credit Reporting act XXXX account XXXX has violated my rights as an illegal report ; 15 U.S.C 1666b section ( A ) states A creditor may not treat any payment on a credit card account under an open end consumer credit plan as late for any purpose.

Further ; 15 U.S.C 1681A Section 2 ) Exclusions under ( I ) states A consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report.

However this account has been *reported as late* and therefore contains information solely as to transactions or experiences between the consumer ( I ) and the person making the report.
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (VA)

I recently learned I am a victim of Identity Theft. I have been taking action against this violation and trying to clean up the inaccurate records listed on my credit reports. 

I noticed all three credit bureaus listed a Public Record that was not mine. I then researched their method of verification and learned they all obtained their information via XXXX XXXX a third party company. 

On XX/XX/XXXX I sent a certified letter to XXXX XXXX asking them to explain where they obtained their information and why it was in my file. XXXX XXXX responded stating they could not verify the public record and has subsequently deleted this from my file. 

Following this XXXX XXXX correspondence I submitted a letter to all three Credit Bureaus via certified mail on XX/XX/XXXX asking them to remove the inaccurate information. 

Instead of removing the inaccurate information Experian and XXXX XXXX continue to promote this negative information. I then sent a second certified letter on XX/XX/XXXX again asking that they take my concern seriously and remove the inaccurate information from my file. I heard nothing from Experian. 

On XX/XX/XXXX I tried calling both Experian and XXXX XXXX to confirm they received my dispute. I was only able to speak with a XXXX XXXX representative who told me he would re-submit a phone dispute. On XX/XX/2022 I received a letter from XXXX XXXX stating they have reopened and completed their phone dispute but they still have not deleted the information. Instead they are still reporting this negative information as accurate. 

I still have not received correspondence from Experian following my second dispute letter sent on XX/XX/XXXX. 

I need some help because XXXX XXXX and Experian are not re-investigating the information. If they had they would see this information is not in my XXXX XXXX XXXX and therefore remove the inaccurate data from my credit report. 

XXXX has re-investigated my dispute from XX/XX/2022 and has deleted the inaccurate public record. I don't understand why is XXXX XXXX and Experian would ignore my request and even break the law by continuing to report this negative information.
Consumer complaint received 2022-06-25
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. (SC)

In accordance with fair credit reporting act XXXX  account XXXX has violated my rights.

15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 
Creditor Information XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Balance {$120.00} Highest Balance {$120.00} Opened XX/XX/2020 ( 2 yrs, 1 mo ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Medical Original Creditor Name XXXX XXXX XXXX Closed No Info
Consumer complaint received 2023-11-06
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. (GA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX ( Account Number:XXXX Balance Owed : {$16000.00} Date Opened : XX/XX/2020 ) has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. Under 15 USC1681 Section 604A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
XXXX XXXX XXXXXXXX Balance : {$16000.00}.
Consumer complaint received 2024-10-17
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. (TX)

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX
Consumer complaint received 2022-06-25
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. (SC)

In accordance with fair credit reporting act XXXX  account XXXX has violated my rights.

15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 
Creditor Information XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Balance {$120.00} Highest Balance {$120.00} Opened XX/XX/2020 ( 2 yrs, 1 mo ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Medical Original Creditor Name XXXX XXXX XXXX Closed No Info
Consumer complaint received 2022-06-06
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act 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 a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-08-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (TX)

I have unauthorized inquires and I've proven they were not authorized ; I've reached out to all companies and would like this handled on Experian and XXXX it is ruining my life I did a police report and FTC as well. 

EXPERIAN : INQUIRES : 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 2024-09-05
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. (LA)

XXXX XXXX XX/XX/XXXX - not my account i have no knowledge of it XXXX XXXX XXXX XXXX XXXX XXXX  credit card was fraudulently openeXXXX XXXX XXXX XXXX XXXX XXXX credit card was fraudulently opened
Consumer complaint received 2023-02-22
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. (FL)

First and foremost I am the original creditor 15 USC 1692 ( 4 ). I am the originator and the consumer. 
Secondly, XXXX mailed me a signed consumer contract, which is not sufficient evidence of a debt. All that means is a credit transaction took place. 
According to case law, Pacific F.C.U v Kaunaone, The term " debt '' is defined in 15 USC 1692 ( 5 ). A " debt collector '' is defined in 15 USC 1692 ( 6 ).

My rights as a consumer have been violated. According to " Permissible Purposes Of Consumer Report '' 15 USC 1681b ( a ) ( c ) ( 2 ) I never gave any credit bureau written consent to report multiple accounts # XXXX on my credit report. The fact you have a consumer report for me is a violation see Exhibit A attached of my consumer Report. 

I am demanding that XXXX produce proof of a WRITTEN note from me, the consumer, giving them consent. If they can not then this is a violation of 15USC 1681q and 15 USC 1681a ( 3 ). 

What I am demanding right now is that you guys delete the multiple XXXX Accounts XXXX off my report. I can give you the CFPB report number. If this does not get deleted immediately, I will be seeking statutory damages since you willfully violated the obligations under the FCRA and FDCPA.
Consumer complaint received 2022-06-06
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)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 2023-05-13
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. (GA)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; FXXXX 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 XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: MOHELA (AL)

In XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX  begun managing my private student loan from XXXX XXXXMOHELA . The balance at that time was {$5500.00} ( and XXXX cents ). Since then, I have made monthly payments of {$460.00} to XXXX. Currently, this loan 's balance is {$930.00} according to both my own records and XXXX ' website. However, the credit report I pulled today, XX/XX/XXXX, says the " Reported Balance '' of this account is, bizarrely, {$4100.00}. Not one of the payments I have been making all year to XXXX appears on this report. 

I have also today submitted a dispute to XXXX and an e-mail inquiry to XXXX.
Consumer complaint received 2022-06-25
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. (WI)

I have multiple fraudulent inquires on my credit Report none of which I Have NOT authorized to do so the FCRA states hese need to be removed such as XXXX  on XX/XX/2022 and XXXX  on XX/XX/2022 and XXXX  XXXX on XX/XX/2022 and XXXX XXXX XXXX  on XX/XX/2022 and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/2022 and XXXX XXXX XX/XX/2022 and XXXX XXXX XXXX on XX/XX/2022 and XX/XX/2022 and XXXX XXXX XXXX on XX/XX/2022 and XXXX XXXX XX/XX/2022 and XXXX XXXX XXXX  on XX/XX/2022 these need to be removed
Consumer complaint received 2023-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

There was an unauthorized charge on my account which I notified the bank as it came to my attention. When I called the bank the bank informed me that I was unable to file a dispute because it was not filed the same day the transaction happened. I questioned that logic as a small business owner, however, Citizens repeated. I filed a XXXX  and a member from the Office of the President contacted me and stated it was due to XXXX, however, XXXX is governed by Title 31 ( B ) ( ii ) ( A ) part 210 which governs reversals, not disputes. In fact, disputes are covered and protected under Regulation E and it appears citizens bank does not want to comply with Regulation E or cant. Citizens bank just got fined over XXXX XXXX  dollars for failure to follow bank regulations regarding credit cards and now it appears they have shifted their non-compliance to regulation E and attempted to utilize Title 31 ( which has nothing to do with it ) as an excuse.
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 2022-12-21
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. (IL)

I've previously disputed that this Bankruptcy account from the XXXXXXXX XXXX XXXX XXXX IL is reporting inaccurately and should be removed from my credit report. You guys claimed that it was verified, which is odd because I've checked with the XXXXXXXX XXXX XXXX  XXXX XXXX IL and they have told me that they don't report to any credit Bureaus. I then told XXXX XXXX  that they were reporting this bankruptcy inaccurately and they deleted this account from my credit report immediately. So again I'm confused on how you verified this account if the furnisher you have reporting says they don't even report to you guys and XXXX XXXX deleted the whole bankruptcy from my consumer report. XXXX have committed fraud against me and if you do not decide to delete this account from my credit report after receiving this complaint you will be violating 15 USC 1681n for negligent compliance and I will have no choice, but to take you to small claims court to take legal action against you as a federally protected consumer. 
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
Consumer complaint received 2022-06-25
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. State 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.