davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-04
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. (NC)

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

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692 section C : ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -- ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX antemeridian and before XXXX XXXX postmeridian, local time at the consumer 's location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney 's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication. 

( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
Consumer complaint received 2022-02-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Community Health Investment Company, LLC. (FL)

I sent a debt validation letter to the collection agency requesting documents for what I owe, my personal information was provided to the collection agency without my consent and I didn't receive proper paperwork documenting how much I owe prior to the collection agency reporting it to the XXXX credit bureau. I paid a portion of the debt without verification until I did my research and found out that, the said information should have been provided to me. I would like these derogatory collections removed from my credit report from the same collection agency.
Consumer complaint received 2022-07-25
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. (PA)

I disputed my personal information on my credit report that was incorrect. Report number is XXXX I also called the credit bureaus telling them to remove the personal information that I do not want on there. According to the fair credit reporting Act 12 USC 1681.I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to any third party people.

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2024-10-10
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. (IN)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

XX/XX/XXXX US DEPT OF EDUCATION states I owe XXXX, XXXX. Thus amount is what I owe for attending UNIVERSITY OF XXXX start year XX/XX/XXXX. 

Please know that I XXXX XXXX was in the XXXX grade attending XXXX XXXX at XXXX XXXX XXXX XXXX Located in XXXX NC XXXX they contact info is ( XXXX ) XXXX. I have been trying to speak with this company numerous of times. They can not provide documentation to identify me. Section 611 ( c ) 15 U.S. Code 1681i University of XXXX XXXX : Deceptive Advertising for Graduate Employment. In late XXXX, the University of XXXX was hit with a record-breaking {$190.00} XXXX lawsuit settlement by the U.S. Federal Trade Commission XXXX This is public records. I never attended that school. I was in the tenth grade at XXXX XXXX XXXX XXXX XXXX That year I was suppose to be going to this university. I never lived at the resident that was associated with the school documentation. I have been calling the school trying to get all documentation. They stated I couldn't due to the fact I couldn't pass the test questions. I am asking for a removal off my credit. Due to the inaccurate information that was used with this school.
Consumer complaint received 2021-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This is the second or third time I have had to address the issue of unverified lack of documented proof of accounts listed below. 
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FDCPA SECTION 805 ( b ) & SECTION 809 ( b ) Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Debt and Collection Practice Act regarding your undocumented UNVERIFIED NO PROOF OF CLAIM information from my consumer file. I intend to pursue litigation in accordance with the FDCPA Section 809 ( b ), FTC opinion letter Cass from LeFevre to seek relief and recover all monetary damages that I may be entitled to if the UNVERIFIED NO PROOF OF CLAIM items listed below are not deleted immediately. Once again there is still no PROOF OF CLAIM and the items listed below still remain on my credit report. You are required under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Furthermore, you have failed to provide any transfer title of ownership on the charged-off written of the accounts. Please be advised that FDCPA Section 809 ( b ), FTC opinion letter Cass from LeFevre The law is very clear as to the Civil liability and the remedy available to me Consumer Protection afforded by the FDCPA if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FDCPA, FCRA, and FTC. I demand the following accounts deleted immediately. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX BAL {$25.00}, XXXX # XXXX, XXXX XXXX XXXX XXXX {$1500.00}, XXXX XXXX XXXX # XXXX
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc. (PA)

In according with Fair Credit Report Act XXXX Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights to privacy 15 U.S.C 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-10-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (NY)

Debt is regarding a disputed XXXX  XXXX bill from XX/XX/XXXX. 

I have not resided at the premise in question since XX/XX/XXXX. At the time I moved I transferred the service to a new address with XXXX to a different service address. I have paid all obligations in full at that address, and at the subsequent address. 

I was contacted regarding the outstanding obligation, was told the dispute had been registered and was resolved in my favor. 

The agency handling the debt has now placed a collection on my account in spite of my being told it was successfully disputed. 

The agency has damaged my credit with respect to a fraudulent debt obligation that is not mine
Consumer complaint received 2022-06-04
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. (PA)

In accordance with the Fair Credit Reporting act 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 2024-11-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: BARCLAYS BANK DELAWARE (FL)

On XX/XX/year>, I accepted a balance transfer offer from Barclays to send {$20000.00} to my XXXX XXXX  checking account from my XXXX XXXX XXXX. I gave Barclays the XXXX XXXX  routing number and my personal checking account number. Barclays promised to deposit the funds into my checking account within 7-10 business days. The {$20000.00} was never received. 

On XX/XX/year>, I asked a Barclays customer service manager to conduct a three-way call with XXXX XXXX to verify that the {$20000.00} was never deposited into my account. Barclays honored my request and the XXXX XXXX  representative confirmed that no funds were received in my account. 

Although I haven't received any money from this balance transfer, Barclays is requiring me to make minimum monthly payments of {$200.00} until the investigation is completed. 

On XXXX, XXXX, XXXX, I asked Barclays to freeze my credit card account and waive any charges or payments due until their internal investigation is completed. The representative said she could not grant my request.
Consumer complaint received 2021-06-26
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. (MO)

Since XX/XX/2021 disputes have been getting submitted and I have been unsuccessful with them disputing this information. I know that it is not being disputed based on the fact that the last reported date is not updating. These accounts, personal information and inquiries being disputed are not accurate and showing several errors and discrepancies. For them to ignore my disputes is disregarding my issues as a consumer. The burden of proof is on the Bureaus and they are not providing any documentation of showing if they are even trying to investigate the issue. I know that XXXX  will try and say that the representative is unrecognized because they have it bad with trying to stall and not investigate consumers disputes. Therefore I have attached my Driver 's License of proof of my identity.
Consumer complaint received 2022-07-31
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 Experian Reference # 's XXXX and XXXX has violated my rights.

15 U.SC. 1681 section 602 A, States : I have the right to privacy.

15 U.SC. 1681 section 604 A Section2 : Its also states a consumer reporting agency can not furnish a account with out my written instructions.

I have disputed this information several times and I keep getting the same result Under the FCRA, section 609, I am requesting all information related to debts listed on my credit report. It states that I am entitled to all documents related to each item, including each original credit application and contract containing your signature. Experian refuses to provide that information.In addition to requesting information about items on my credit report, I am requesting that if they can not verify the information by locating the original contract or other documents necessary to validate the bankruptcies on my credit report, they must remove them immediately.

Section 611 of the FCRA. It requests that the credit bureau provide the method of verification they used to verify a disputed item. I asked experian how do the verify the information and they stated with the courts.I called the courts and they stated they do not provide that information to any of the credit bureaus. The credit bureaus get that information from public records like lexis nexus. 

I will not accept another reinvestigation of the information Only deletion of the information
Consumer complaint received 2022-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the fair credit credit reporter act conversion. 
Account number XXXX has violated my rights XXXX XXXX XXXX Balance XXXX Account number XXXX has violated my rights XXXX XXXX Balance XXXX Account number XXXX has violated my rights kick off lending XXXX XXXX Balance XXXX Account number XXXX has violated my rights XXXX XXXXXXXX XXXX XXXX  XXXX. Bankruptcy XXXX XXXX dismissed
Consumer complaint received 2022-01-19
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: REGIONS FINANCIAL CORPORATION (AR)

Regions Mortgage continues to ignore the letters I have sent them clearly pointing out how they are in violation of two laws that I have proven and pointed out to them on more than one occasion, by stating to me that my dispute letter is a duplicate letter and that they are not required to respond, because this dispute is listed as an exception in section 12 CFR 222.43 ( b ) of the FCRA. Despite me informing Regions Mortgage that the recent dispute letters I sent them is not the same type of letter that they are referring to, they continue to completely ignore my letter alone with the evidence I have sent them that I also have attached to this complaint. 
I informed Regions Mortgage that they violated and are in violation of 15 U.S. code 6802 obligations with respect to disclosures of personal information ( c ). It states that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise their nondisclosure option. I informed Regions Mortgage that the only thing they did was inform me that they may disclose my information to the credit bureaus but failed to inform me of my rights to exercise my nondisclosure option, and I attached the statement that Regions Mortgage first sent me that proves what I said is true, and yet they continue to ignore my letter, falsely claiming that its a duplicate dispute. 
If this was a duplicate dispute letter, Regions would only be showing how they ignorantly refuse to comply with the law. I also informed Regions mortgage that they are in violation of 15 U.S. Code 1681a ( 2 ) Exclusions, it states that a consumer report aka credit report does not include transactions or experiences, and because of these laws, I instructed Regions Mortgage that I do not want them reporting anymore of our Mortgage information to the credit bureaus until further notice, as this is our right as a Consumer under these mentioned laws. I also sent Regions Mortgage two invoices for a total of {$2000.00} for their violation of these laws, stating that under the FCRA remedy law, it is {$100.00} to {$1000.00} per violation, and because of the damages and stressful issues that Regions has put us through, I am demanding the max. 
I need for Regions Mortgage to honor the already invoices I have sent them and honor my instructions to stop reporting our information to the credit bureaus. 
I also attached a copy of the letter I sent Regions Mortgage in the mail that they keep ignoring. 

Nothing Further.
Consumer complaint received 2022-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/2022 I sent off an affidavit to Transunion to dispute their reporting on my PERSONAL information. I have a right to privacy and have no contract or agreement with them for them to use my own personal information to profit. I have attempted to get goods and services and have trouble because of false reporting from companies such as Transunion, and in this case, Transunion themselves.If nobody can use credit from inaccurate reporting what happens to the economy? 

I read that is the grave responsibility to accurately represent the consumer. As stated earlier I have had ZERO communication with Transunion, yet they continue to furnish information about me, ignoring my privacy, harming my reputation, and seemingly running a monopoly aiding in false reporting to consumers and the government. 

I sent correspondence on the XXXX of XXXX and received the receipt on the XXXX. They failed to rebut replied to the affidavit, AND sent back a letter saying they WOULD NOT investigate as required per FEDERAL law, dated XX/XX/XXXX. To be clear I sent an affidavit of truth, the disputes, and an invoice. They took 3 days to send a letter saying they would not open a dispute on information they STEAL from me and profit from. I have never received a letter from Transunion stating anything was added to my report. I have never received anything from them. They made it hard to get the report itself, saying the identification I sent wasn't enough. Then sending the requested info denied me again. I hand wrote a letter a third time and was sent a letter saying it could be not obtained for the third time. 

Transunion is monopolizing " credit profiles '' with full knowledge that consumers are the creditors, while causing harm, and disability to the consumer. I have NEVER communicated with them other than to receive my credit report ( had to go online as they WOULD NOT mail one ), so they can not be accurately reporting anything. They have not asked my peers or neighbors either. Transunion has been using color of law to prevent me from obtaining goods, damaging my imaginary " credit profile '', monopolizing securities and insurances that I sign. That I am entitled to, while helping to deny me my own extension of credit. 

As the name holder, it is my right to privacy. They took my information without my permission. Then they sold it. They then tell consumers the report they make is accurate... .I have gotten no compensation for the use of my personal information. It is completely fraudulent.
Consumer complaint received 2020-07-08
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: Experian Information Solutions Inc. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX {$500.00} XXXX XXXX {$7100.00} XXXX XXXX XXXX {$3500.00}