davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-08
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. (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. 

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 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 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 XXXX XXXX XXXX XXXX XXXXas violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-08
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: General Motors Financial Company, Inc. (TX)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2022-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 2022-06-08
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act, XXXX  XXXX XXXX/ ACCOUNT # XXXX has violated my consumer 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 2024-12-02
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FISERV INC. (CA)

THIS IS UPDATE SUPPLEMENT TO : # XXXX [ XXXX ] XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX message from XXXX caller ID : " FISERV '' : message : call number on back of card for service [ the # previously ALWAYS blocked ... XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX is in XXXX and FISERV is in Wisconsin XXXX. 
[ XXXX ] I called # on back of card SAME DAY [ XXXX ] ; [ XXXX ] INITIALLY delighted to hear outgoing message, not blocked ; [ XXXX ] BUT, then after XXXX on menu, all I got was a recording for a special promotion offer, but once again NOT possible to talk to live humanoid. 
.. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -.. 
THIS IS A COMPOUNDED DELIBERATE SCAM FROM MNBank. MN has EMBEZZLED our money : it is now XXXX years and we can not access the {$700.00} on our pre loaded debit card [ not including lost interest which MN has wrongly profiteered from ]. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have repeatedly asked XXXX, trans union and XXXX, to report accurate information regarding this XXXX account and they keep saying the information is verified in compliance, when the consumer law states they have to report 100 % accurate information but there's obviously not a human looking at my dispute. 

PLEASE SEE THE ATTACHED DOCUMENT
Consumer complaint received 2022-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 XXXX XXXX XXXX XXXX  Account Number : XXXX, has violated my rights. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-02-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

XXXX XXXX ( closed complaint ) transferred a federal funded payment after your involvement to XXXX XXXX XXXX XXXX on or after XXXX XXXX XXXX. Less than two weeks after transfer, began receiving threatening letters re : Foreclosure from Shellpoint. After your intervention, XXXX sent the entire federal fund to Shellpoint. However, Shellpoint due to malfeasance, will not correct the XXXX since XXXX, XXXX. Repeatedly issued mortgage statements reflecting a past due debt on XXXX which does not exist. Two charges XX/XX/XXXX and XX/XX/XXXX in one week for Unnecessary Housing Inspections-No Notification to me. Shellpoint will not refund - Add second Complaint due to placing late charges on my account. The Federal agency and XXXX completed Housing inspections before issuing the Federal Payment less than one month ago. 

Shellpoint -- Three supervisors and One Middle manager promised correction to my mortgage statement by XX/XX/XXXX. No correction. Errors remain. My first complaint : do not want any flags on my credit report nor threatening letters when I do not owe any past due payments. If errors remain these actions Shellpoint will take. Have nothing to prove otherwise. My monthly payments are timely as of XX/XX/XXXX. Also address issuance of information to third parties. I have rescinded authorizations. Shellpoint should email their acceptance and receipt of rescinded authorization. 

Third complaint ( see attached ) is XXXX XXXX XXXX NY- failed to disclose a checklist of items needed to apply for XXXX XXXX loan notified after sending any required items of additional items not found in any checklist provided. Failure to notify me through communication via email or phone a need to contact my Servicer.
Consumer complaint received 2022-06-08
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Bank XXXX Account # 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 a account without my written instructions.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Re : Formal Dispute of Account Balance - XXXX Account Ending in XXXX To Whom It May Concern : I am writing to formally dispute the reported balance associated with the above-referenced account. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. The balance reported for this account is incorrect, and I am requesting a thorough investigation and correction. 

This account was charged off by XXXX XXXX ( XXXX ) and is now under the purview of XXXX XXXX XXXX for collection. A charged-off account is recognized as a financial loss for the original creditor, and, under generally accepted accounting principles, XXXX should no longer report any balance due. Therefore, the balance should reflect XXXX, and any continued reporting of this balance by XXXX is misleading and inaccurate. 

Furthermore, I have noted that XXXX has been engaging in a predatory and fraudulent practice by continuously re-reporting late payments every month on this closed and charged-off account. This is not only a violation of the FCRA but also an unethical and deceptive tactic aimed at damaging my creditworthiness. These actions undermine the integrity of credit reporting and constitute fraudulent behavior on the part of XXXX. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I also request that XXXX XXXX XXXX provide full validation of this debt, including : 1. Documentation proving the accuracy of the amount claimed. 
2. A detailed explanation of why XXXX is reporting a balance despite the account being charged off. 
3. Proof of XXXX XXXX XXXX legal authority to collect this debt. 

If XXXX and XXXX XXXX XXXX can not substantiate the claims regarding this account, I respectfully request that : 1. XXXX immediately update its records to reflect a XXXX balance on this account and cease any further re-reporting of late payments. 
2. XXXX XXXX XXXX halt all collection activity on this account, in accordance with the FDCPA. 

Please respond to this dispute within the legally mandated time frame as required by the FCRA. Additionally, I demand that you refrain from reporting this debt or any associated balance to any credit reporting agencies while this dispute is under investigation. 

Your prompt attention to this matter is appreciated. Please provide all correspondence in writing to the address listed above. 

Sincerely,
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (SC)

Clearly you DO NOT WORK directly with the court. You added in a statement to a XXXX lease that isnt mine! This yet again is proof you just data collect UNTRUE information through poor outdated resources.
Consumer complaint received 2022-04-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC (PA)

I contacted my health insurance after receiving a bill from a medical  facility. The date of service was on XX/XX/XXXX for {$110.00}. 
My XXXX  insurance paid {$280.00} on XX/XX/XXXX. This is the second time for this bill that the medical facility tried to bill me for this invoice. 
I spoke to the medical facility about the XXXX time they were trying to bill me on XX/XX/XXXX at XXXX AM. The call ended and was told that they will review my file. 
I spoke again to the medical facility on XX/XX/XXXX and left a message. I received a phone call by the medical facility and was told that they did receive the payment from my health insurance and that they called the debt collector company and also faxed them saying to delete this account it was the medical facility and not my fault. I was told by the debt collector that they cant get into my account because they closed the file.
Consumer complaint received 2023-02-23
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: GOLDMAN SACHS BANK USA (VA)

I recently viewed my credit profile and noticed and/or incomplete information and accounts that are unverified. according to the fair credit reporting act 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that under the FCRA 15 U.S.C1681i, every single or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged account is to be deleted the FOLLOWING derogatory account allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately. The infractions are as follows XXXX XXXX and Account as is reported as having a late payment on my credit report. 
{ XXXX XXXXXX/XX/XXXX LATE PAYMENT } { XXXX XXXXXX/XX/XXXX LATE PAYMENT } { XXXX XXXXXX/XX/XXXX LATE PAYMENT } I am demanding that this account be updated to Paid as Agreed and Never Late by the provisions of the Fair Credit Reporting Act and per the standards of the reporting compliance implemented with the XXXX XXXX XXXX COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report.
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (WA)

Equifax lost all of my credit history, and they refused to make effort to resume it. This issue has brought great trouble to my life, especially that I am in the process of buying a house and I am not able to get my loan approved due to lack of credit history in Equifax. 

Below is the whole storyline : on XX/XX/2022, my load agent told me he was not able to pull my credit report from Equifax. Because XX/XX/XXXX is XXXX day, I contacted Equifax on XX/XX/XXXX. Over the phone, their customer representative told me that my credit profile was not established in Equifax, which was very surprising to me because the other two credit bureau ( XXXX and XXXX ) had my profile without any issue. 

In order to resolve the issue, later on the same day ( XX/XX/XXXX ), under the guidance of the representative, I faxed the required documents ( my ssn, driver license and a ) to Equifax at fax number XXXX. 

Then today ( XX/XX/2022 ), I called them again to ask about whether the issue has been fixed. Unfortunately, the customer representative named XXXX told me that they were not to find any of my credit history. He asked me whether the credit card companies were reporting under the correct information. I told him that the other two credit bureau had been receiving my credit records correctly so I did not think there was anything wrong at the bank side. Then he told me there was nothing they could do, even if it was obviously their fault to lose my record. He also refused to make any further investigation into the case. 

Attached is the fax receipt.
Consumer complaint received 2022-06-08
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. (AL)

I would like to dispute inquires listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX that are result of Identity theft, I have called all the companies with no help and i also mailed transunion and called with no help
Consumer complaint received 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act. Experian, XXXX, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A. States i have a right to privacy. 

These addresses do not belong on my credit report XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2022-06-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (FL)

Contact : XXXX XXXX Description : I have banked with SunTrust now Truist bank for over 15 years. I have a monthly paycheck from the school board deposited every month. Last year I became a XXXX  to earn extra money to pay down credit cards. I sold a XXXX  and received my commission check on XX/XX/XXXX for XXXX. I went to the branch located at XXXX XXXX XXXX XXXX in XXXX XXXX, Fl. To deposit my check and payoff credit cards. I was told there would be a hold but not for 10 days. And never was I told I would have no funds in my acct that they would actually make my available account balance negative the amount that I deposited. I've worked in banking before and have never experienced this. The check I deposited was drawn from an instate bank. I paid some credit cards and other items and was charged many NSF fees and had my payments returned all while the bank is holding my XXXX check hostage. This is an unfair practice. When I called the customer service line I spoke to 3 different people and no one could help me. I called a local branch in XXXX and she attempted to help but then did not answer or return my today when she told me to follow up today ( XXXX  ) I do know my husband has deposited my other commission checks at other branches and never had this issue.
Consumer complaint received 2022-12-14
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)

Unlawful activity was reported on my credit report cause me to not have credit incorrect information was reported an XXXX by XXXX XXXX an XXXX XXXX XXXX debt from me that I have no knowledge sents XXXX never have no knowledge about any account XXXX allow them report this on my credit report I requested that XXXX XXXXXXXX an XXXX XXXX should be removed from my credit report due to cause me to suffer from bad credit they should be removed off my credit report XXXX not who reported this incorrect information reported me deceased illegally state someone reported me deceased I should half to go through this data breach I was exposed never received my settlement check from XXXX lease remove them off my report
Consumer complaint received 2022-06-14
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. (FL)

The Credit Reporting agencies stated that these accounts were properly investigated and verified but this is impossible since all of the agencies are reporting different information. The account numbers, high balance, date of last activity, date reported, date opened, close date, account description, dispute status, creditor type, payment status, creditor remarks, last payment, are different and therefore reporting inaccurately. This Constitutes grounds for removal of these accounts. 

According to 15 USC {$1600.00} ( 2 ) Exclusions ( a ) ( i ) a " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. So why are these agencies reporting categories such as late payments, high utilization, chargeoffs, and others when then law specifically states that such private transactions and or experiences between a consumer and CRA 's are to be excluded from a consumer 's report? Each forbidden category reported is a violation of my rights. 

Under 15 U.S.C. 1681 Section 602 A4, Congress states that as a consumer I have a right to privacy and that right has been violated. 

My rights as a consumer has been violated under 15 U.S.C 1681 section 604 A section 2, which states that a consumer reporting agency may not furnish an account without written instructions from the consumer. I have never given written instructions to the credit reporting agencies to furnish these inaccurate accounts and therefore they must be deleted.