davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-26
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2024-11-22
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. (GA)

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

NAME - ACCOUNT NUMBER XXXX - # XXXX XXXX  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. 

I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2022-06-09
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (VA)

DENIAL OF GUARANTEED VA LOAN TO COMBAT XXXX VETERAN : I wish to report that I was denied my request for a guaranteed home loan on XXXX XX/XX/2022 by navy federal cu. I was approved and then disapproved ( as stated by the underwriters ) that I was not qualified. Reasons provided were income debt to ratio and failure to meet occupancy. I am not certain how a barrower can " Fail '' the occupancy test without actually moving into the property. Secondly, the bank loan officer continued to ask personal questions regarding my purchase. I requested validity to the questions ( in writing ), but neither the loan officer or the underwriters responded to my request. The loan officer repeatedly called me and would NOT respond to my questions in writing. This event ( denial ) occurred exactly one week before closing on the home. I am sure that this matter is a violation under the Fair Housing Act. I will be submitting this memorandum to my Congressman and Senator. Additionally, I am seeking Counsel and will be filing like complaints with the VA and HUD. I eagerly look forward to hearing from your office. Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX )XX/XX/XXXX
Consumer complaint received 2023-04-04
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. (LA)

privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX, XXXX, Account name : XXXX XXXX XXXX, XXXX, Account name XXXX XXXX XXXX, XXXX : Account name : XXXX XXXX XXXX, XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-10-11
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: Harley Davidson Financial Services Inc (CA)

In accordance with the fair credit reporting act this creditor has violated my rights under 15USC1681 section 602 States I have the right to privacy. 15USC1681 section 604a section 2 also states that consumer reporting agency can not furnish an account without my written instruction. Under 15USC1666b A creditor may not treat a payment on a credit card account under an open consumer credit as late for any purpose.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS EMPOWER Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting XXXX XXXX XXXX  Account Number : XXXX Delete this account. 


4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2023-12-27
Product: Credit reporting 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)

On XX/XX/2023 I mailed certified mail a notice requesting my Disclosure Pursuant 15 USC 6802 ( b ) you have failed to provide me with the required disclosures as per federal law. The law is explicitly clear that before a financial institution discloses any consumers non public person information they must give the consumer 3 disclosures so the consumer has an opportunity to opt out of having their information reported. 
Dpt EdXXXX knowingly, will fully and fraudulently withheld pertinent information to suite there own agenda, forcing me to comply illegally with you reporting my non public personal information to a non affiliated third party companies for your own benefits and profits, this was not equitable to me, my family or household. 
I AM ENVOKING MY SPECIED REMEDY THAT YOU PREVIOUSLY DENIED ME BY WITH HOLDING MY DISCLOURES, Pursuant 15 USC 6802 ( b ).

PURSUANT 15 USC 6802 ( B ) I XXXX XXXX a living breathing woman hereby exercise my right and specified remedy to OPT-OUT of having this account with my non public person information reported.
Consumer complaint received 2022-06-09
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)

Have mailed out several letters stating to the Credit Reporting Agencies of Tragic Event of Fraud And Identity Theft Being A Very Serious Cause Towards My Account Was Ignored Or Falsely And Unlawfully lied to about Accounts being reported is My Contract obligations of me owing debt with no written instructions or WET INK SIGNATURE stating approval for access to accounts and proper verification before opening accounts. The Credit Reporting Agency Which This Complaint is Addressed to continues to violate my privacy right and ALSO it continues to REPORT FRAUDUALENT ACCOUNTS WITH NO PROPER VERIFICATION, VALIDATION, OR CONSENT. AFTER BEING INFORMED multiple times through mail that accounts are fraudulent the CREDIT REPORTING AGENCY continues to report fraudulent claims and debts which consists of the CREDIT REPORTING AGENGY ASSISTING AND PREMITTING/ OR INVOLVED IN DOING IDETITY THEFT OR FRAUD ON CREDIT REPORT AND PUBLIC RECORDS. 

These are the accounts below.I 've also attached documents showing the attempts trying to get this matter resolved. 


XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-20
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (DC)

1. My certificate of deposit matured XX/XX/23. On several occasions in advance of that date I attempted to set up a plan for how to move the money post-maturation. The website would not allow me to do so. 

2. I have tried " help '' on both the Citi website & mobile app. There is no information in " help '' about how to handle a maturing certificate of deposit. 

3. I was sent a letter on the account with a signal that it was a high priority. I have tried to access it on several occasions, and EACH time there is an error message saying that Citi is " Currently Experiencing a Technical Issue. '' 4. It took seven minutes when calling the Citi phone number in my documents concerning my certificate of deposit to reach a person to be able to discuss these issues, as their automated system has nothing remotely on point. That person had no capacity to help me deal with the situation.
Consumer complaint received 2022-12-01
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: Park Hill Holdings (GA)

** AN OFFICIAL DISPUTE WITH COPY OF DL AND LAST 4 OF MY SOCIAL SECURITY NUMBER HAS BEEN MAILED CERTIFIED TO SAFERENT - THEY HAVE PERMISSION TO REACH ME WITH THEIR RESPONSE BY US MAIL ONLY. *** THIRD complaint : SafeRent Solution Operating has assumed a role as a credit reporting and screening company. Were uses be rental agencys submitted a report to XXXX XXXX XXXX suggesting my leasing application be denied based on the report generated by them. Data within their report is incomplete and displayed in a misleading way. It appears as if I have an open judgement from 2015 for eviction with a balance of {$4200.00}. This report omits disposition data. This is inaccurate and harmful reporting which has caused me harm as with ANY one considering leasing to me would certainly decline the application. Which is exactly what XXXX XXXX XXXX did at the recommendation of this third party company, SafeRent Solutions. Safe rent made 2 unsolicited attempts to reach me by phone. I was unavailable both times. I returned their call at XXXX and asked for the woman who left the mvm message XXXX and was told that she does not work there. That I had the wrong number. Furthermore, It is not MY responsibility to VALIDATE THEIR REPORTS. THAT RESPONSIBILITY FALLS ON THEIR SHOULDERS. FORCING ME TO CONTACT THEM BY PHONE IN AN ILLEGAL AND ROUND ABOUT WAY TO VALIDATE THEIR REPORT WILL NOT WORK.
Consumer complaint received 2022-12-01
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. (TX)

I have sent multiple dispute letters to the bureaus regarding the fraudulent accounts on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.
Consumer complaint received 2022-10-13
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)

I sent letters out to all XXXX credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or XXXX party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2022-09-13
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. (FL)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/2016 Balance : {$0.00}
Consumer complaint received 2022-06-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

I have morgage with shellpoint and they've been increasing my monthly payment more that {$500.00} because of the wrong " calculation with the escrow. I used the forbearance program for XXXX XXXX due to the covid situation but even in those months i added money to my escrow account to reduce the balance. I requested a payoff and after almost XXXX  years with this loan they are changing me {$10.00} more of my original loan amount, when a called them they said that i have to pay double interest for those XXXX months that i was in forbearance, also they changing me {$7000.00} of " recover fees '' but they can't explain what is that.
Consumer complaint received 2024-08-27
Product: Credit reporting 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)

as per the guidance from the consumer financial protection bureau ( CFPB ) the document needed and a letter from a advocacy group helping me due to human trafficking debt bondage which falls under trafficking according to trafficking debt final rule 1002,142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) I kindly request you block and remove this information from my report within four days pursuant section 605C of the fair credit reporting act please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Green & Sons Agency, Inc. (GA)

I was treated at XXXX XXXX in 2016 for a serious injury to my XXXX. The Property Insurance Adjuster actually transported me to the office several times to assure I was treated and took care of all the paperwork and accepted liability and paid the bills, On the last visit I was told there was no balance and have never received a bill from that date forward. XXXX XXXX 's office aparently decided to pad the bill years later and give it to Oursource receivables which has reported it to my credit and in order to keep it on my credit, they just change a few details and update it. I called them to get their official contact information so that I could file the proper complaints and the woman says, the bill is {$480.00} but I actually own over {$800.00} and she doesn't care if any insurance paid the bill or took liability, I owe it because XXXX XXXX XXXX  says so. I have disputed it through XXXX and Outsource Receivables refuses to remove the fraudglent billing from my credit, saying its up to their client, XXXX XXXX and admitted that XXXX XXXX never told them about the property insurance coming to his office personally and taking full liability and its not their problem, anyway, as they don't deal with insurance companies. I asked for the identity of the owner and the woman says " We don't have to tell you last names, but the owner is XXXX. I want this removed from my credit and them to stop fraudglently billing me. The woman on the phone tried to trick me by saying, " Oh you admit to receiving the treatment, so you obviouslty owe the bill '' I never denied getting treatment, but none that was not paid for.
Consumer complaint received 2024-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I respectfully requested that the inaccurate information be deleted/updated from my credit report. Additionally, I asked that they verify the accuracy of this information and provide me with a detailed explanation of the steps taken during the dispute process. 

Was not performed or done within a timely manner.
Consumer complaint received 2022-12-01
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. (DC)

I have not authorized anyone to do credit check in my report and there have been about 18 inquiries that Im not aware of and someone is using my identity. I want to protect my identity please remove those inquiries as it was not me or I have not authorized anyone to look into my report
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

Please know the information on my credit report is not correct. I've listed addresses that do not belong to me. I need this fraudulent and incorrect information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard with the institutions responsible for reporting accurate, complete and permissible information I am seeking help from a higher source. Please remove urgently.