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 A XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Balance {$92.00} Highest Balance {$92.00} 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 2022-09-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, on my credit report you have XXXX XXXX XXXX XXXX XXXX reporting on my account as an open account as of XX/XX/2022. This information is inaccurate & not factual the other 2 credit bureaus are not reporting this information. & by law 15 U.S. Code 1605 - Determination of finance charge & by law 15 U.S. Code 1666b - Timing of payments & by law 15 U.S. Code 1681s-2 - Responsibilities of furnishes of information to consumer reporting agencies These accounts must be removed & I request that you put a BLOCK on them after they are deleted. This account had been compromised as fraudulent a while ago. Please remove ASAP.
Consumer complaint received 2022-06-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Silverman Theologou, LLP (NC)

On XX/XX/2022 Silverman and Theo LLP contacted me through phone and left a message. Not once but TWICE. THIS IS HARRASSMENT. I never gave them my permission or consent to contact me. 

Pursuant to 15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt.

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} Evidence and Proof shows I was contacted on XX/XX/2022 XXXX and a voicemail was left. I was then called and another voicemail was left XX/XX/2022 XXXX. THIS IS HARRASSMENT. THIS IS ALSO A VIOLATION of my Federal CONSUMER rights. 


Pursuant to 15 USC 1692 d ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 

Who did Silverman and Theo get my private banking information from? Because 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 suppose to share my information to third party people. 

Silverman and Theo LLP has also violated my Consumer rights through the form of a letter. EVIDENCE AND PROOF SHOWS They have a included their business logo on the envelope of their letter. THIS IS A VIOLATION. 

Pursuant 15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 

This has caused me great XXXX   and XXXX and has increased my visits to the doctor as I am a XXXX XXXX  with XXXX. 

Also, in this letter they say that I owe a debt. THIS IS A VIOLATION. 

Pursuant to 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. 

These are clear violations of my federally protected consumer rights. 

They also failed to date the letter
Consumer complaint received 2022-06-07
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. (NY)

In accordance with the Fair Credit Reporting act 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.

According to 15 USC 6802. Financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information.
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I ordered a copy of my report in XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of XX/XX/2022, Transunion has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX  Account XXXX I believe it was reporting in error.
Consumer complaint received 2022-09-08
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: Experian Information Solutions Inc. (GA)

Experian will NOT allow you to update your balances until the Credit Card decides to do so. They like to update debt reported to them from the Credit Cards ( their clients ) whenever they want -- but refuse to correctly indicate the Card is paid in full when it is so it will adjust your scores asap. I do NOT believe there is a law which indicates they can't updates these reports immediately which is what they use as to why they don't allow it when you are disputing balances. 

I just disputed these two cards as being paid and Experian continues to show them as having balances. My plan is to close 1 each 6 months so they don't lower my scores in the current system of FICO as of today. Unless this changes this is what we have to work with. These bureaus are private and are in business only to make money not to help consumers!. 
I want these updates when they happen I am sure their computer systems can trigger instant updates. Here attached are the paid off credit cards for XXXX XXXX ending in XXXX and XXXX.
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To whom it may concern, Im writing this letter to dispute the following accounts : 1. 15 U.S. Code 1681n Civil Liability for willful noncompliance Chapter XXXX Bankruptcy Case Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 2. FDCPA section 807 Violation Misleading False Reporting XXXX  XXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX Thank You Sincerely yours, XXXX XXXX
Consumer complaint received 2023-03-20
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. (FL)

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 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 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NC)

I received a pre-approved offer from XXXX XXXX  visa on XX/XX/22. I applied for this and was approved on XX/XX/22 ( or so I thought ). I received my card on XX/XX/22 and activated it that same day. I set up my account on the website and attempting to set up my PIN # I was informed through the website that the account was closed and would/ could not be reopened. I was a little shocked at this. I contacted the bank who informed me ( rudely I might add ) that after reviewing my credit report the account was permanently closed. Thank goodness I didnt try to use it since that would have been very embarrassing. After conversations with a representative and a supervisor I was told that the account would not be placed on my report as that was my main concern. On XX/XX/22 I have once again received a PRE APPROVAL letter from Comenity Bank on behalf of XXXX XXXX for a Visa card. Once again I contacted the bank with no success. Today, XX/XX/22, I was notified that there was a new account on my report from XXXX XXXX XXXX. So again I contacted the bank who is refusing to remove this from my credit report. They did say they would be reporting the account as closed by lender which as you well know will be a derogatory blemish on my report. I do not think it is fair that my credit be dinged for an account that I never had access to. I am requesting that this account be removed from my file entirely. I made the suggestion to this bank to reword their offers. Pre approved is just that, not that I am invited to apply. They gave me an acceptance code??? Please help me so that my credit doesnt suffer from something I have NO CONTROL over.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-09-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (AL)

Credence Resource management just showed up on my credit reports. Never received anything to dispute dont even know whom this company is. They are not XXXX XXXX compliant. They are violating 15 USC 1681 and 15 USC 1681 e ( b ) in doing this.
Consumer complaint received 2022-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (MO)

I received an email from American Ex Expeess saying I have been preapproved for the American Express gold card, offering me XXXX points as an introductory offer. Of course, when I applied, I was denied. I contacted them about this and they said pre-approved means that I still have to apply and can be rejected and that these offers are automatically generated. 

Having your credit report pulled for your application to be ultimately declined has a negative effect on your credit score. 

I also had to waste time, reading the email, reading and filling out the application, contacting asking about this, and then finally time used to fill out this report
Consumer complaint received 2022-09-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-06-07
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. (MI)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXXXXXX XXXX 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 a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I paid my bill on the due date, XX/XX/XXXX at XXXX pm on the due date- but Capitol One didnt post the payment until XX/XX/XXXX causing me to be charged a late fee of {$40.00}. 
I have asked to have the late fee removed but their computers wont allow that to happen.
Consumer complaint received 2022-06-07
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Caliber Home Loans, Inc. (MA)

I signed a loan mod and made the first and every payment under the loan mod on time. The mortgage company said it would take 60 - 90 days to report against the deeds, then reflect in the company system, and finally to report to the three credit agencies. Then out of no where the mortgage company is reporting my 63 days and counting as past do. 

The combination of these factors is negatively impacting my credit causing damages to the point where I can not a get a loan and adding stress b/c they are calling asking me to pay additional fees for bein late on payments ( which is not the case )
Consumer complaint received 2022-09-08
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. (GA)

XXXX will NOT allow you to update your balances until the Credit Card decides to do so. They like to update debt reported to them from the Credit Cards ( their clients ) whenever they want -- but refuse to correctly indicate the Card is paid in full when it is so it will adjust your scores asap. I do NOT believe there is a law which indicates they can't updates these reports immediately which is what they use as to why they don't allow it when you are disputing balances.

I just disputed these two cards as being paid and XXXX continues to show them as having balances. My plan is to close 1 each 6 months so they don't lower my scores in the current system of FICO as of today. Unless this changes this is what we have to work with. These bureaus are private and are in business only to make money not to help consumers!. 
I want these updates when they happen I am sure their computer systems can trigger instant updates. Here attached are the paid off credit cards for XXXX XXXX ending in XXXX and XXXX.