davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-24
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 Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX 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 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. 

This inaccuracy is stopping me from wanting to get a new home for my family.
Consumer complaint received 2023-07-24
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. (AR)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-07-24
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. (CO)

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

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

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is an on-going issue I'm having with TRANSUNION. They are violation of the FCRA. Per 15 USC 1681 ( 2 ) ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; SO WHY ARE THEY STILL VIOLATING MY CONSUMER RIGHTS AND SHOWING LATE PAYMENTS AND UTILIZATION ON MY CONSUMER REPORT? THIS IS CLEAR VIOLATION OF THE ABOVED FCRA SECTION. It shows I have charge offs for : XXXX XXXX {$3600.00} XXXX {$3800.00} XXXX XXXX {$1100.00} XXXX XXXX  {$15000.00} XXXX XXXX {$0.00} XXXX XXXX {$130.00} XXXX  {$110.00} Collections : XXXX XXXX XXXX {$1400.00} None of my transactions or experiences should be shown. WHY ARE THEY VIOLATING MY RIGHTS AND THE CFPB DOES NOTHING. HELP!! ANY AND EVERYTHING RELATING to my Charge OFF Accounts, Late Payments of credit Utilization should be removed within 10 days of receipt of this statement. I JUST retained a consumer law lawyer to file for arbitration against XXXX and any of its affiliated for the violations that I'm incurring. How its causing me gravely consequences even though the violation is as clear as day. I'm looking only for deletions and failure to do so will result in me seeking monetary compensation for each violation granted to me under 15 USC 1681 n1. I will be seeking no less that {$1000.00} usd for each violation and we've counted over XXXX. PLEASE DELETE ALL RECORDS OF LATE PAYMENTS, UTILIZATION, CHARGEOFFS AND COLLECTIONS PER THE FCRA. THIS IS THE LAW, ITS NO REASON TO REACH OUT TO THE ALLEGED DEBTORS. THIS IS CLEAR VIOLATION AND FAILURE TO RESPOND WITH DELETIONS WITHIN 10 DAYS I WILL REACH OUT TO MY LAWYERS TO START THE ARBITRATION PROCESS SWIFTLY.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

There are Inquiries as well as Accounts that have been opened by the aforementioned Creditor that I have not authorized or had any Business with. I Have reached out to the Creditor they have stated that they have submitted a request to have the accounts and inquires removed due to the findings of their Investigation. The accounts are still listed on my credit reports.
Consumer complaint received 2023-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: EVERBANK, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I scheduled a XXXX XXXX at TIAA Bank to pay a merchant. XXXX issued a bill pay check in accordance with my request. 

My merchant deposited the XXXX check on XX/XX/XXXX, however, its bank rejected the check and charged it back as " Not a Valid Check ''. I scheduled a new bill pay check to be issued to my merchant. On XX/XX/XXXX through the online message center for my XXXX account, I requested XXXX to credit my account for the invalid check that my merchant was unable to process for payment. 

XXXX replied to my request in XX/XX/XXXX that they needed my approval a {$25.00} fee charge to stop pay the bill pay check that was returned as invalid. I responded on XX/XX/XXXX that my request for a credit to my account was due to XXXX issuing a check that my merchant was unable to process for payment, not because I wanted to stop pay the check so I should not be charged {$25.00} for a stop pay. I asked that if XXXX refused to credit my account that I wanted an operations supervisor to call me. 

Having received no reply, I visited the message center for my XXXX account. The earlier communications regarding this matter had been deleted and I was blocked from posting new messages.
Consumer complaint received 2023-07-24
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: EQUIFAX, INC. (FL)

There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-07-24
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. (NE)

See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Please remove the incorrect addresses from my credit file. 
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well.
Consumer complaint received 2020-07-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: COAST PROFESSIONAL INC (IL)

Hello, My name is XXXX XXXX and I have a student loan in the amount of {$27000.00} that is currently in default. I am writing to express my frustration thus far with what has been my personal experience regarding it's handling and explanation of terms from the lenders end. 30 years now after taking out my first loan and I think I finally understand what is going on after speaking with someone who was actually willing to listen and give me helpful advice for once. I see I have been misled and pushed to the side for way too long. Why is that every time I call my lender I get different information to my questions? Why is it that the only consistent solution from my lender is to set my loans on forbearance? Why does no one warn me that the amount of forbearance available for the term of my loan is finite? Why doesnt anyone clearly and plainly explain to me that forbearance continues to rack up interest on my balance? It looks to do nothing more than financially benefit the lender with this kind of approach, which I suppose makes sense considering they are nothing more than a company looking to increase revenue and profits. I feel like I have been cunningly maneuvered into a path of repayment that will never go away. No one ever reached out to me about options that were better suited to my income and profession. The blatant greediness and constant rush to get me off the phone when I call in drives me to think I have been scammed. Consider this a formal complaint as explanation as to why I now demand my loans be reduced or cleared. I have a family to feed while on limited income in the midst of a global health crisis. It should not take 30 years and taxes/wages being garnished and interest-racking forbearance for me to be in a worse-off position than when I first started!
Consumer complaint received 2023-07-24
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. (LA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX Balance : - XXXX  XXXX Balance : {$1400.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX  Original creditor : XXXX XXXX Balance : {$720.00} Bankruptcy Chapter XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX Bankruptcy : Dismissed XXXX Filed on XX/XX/XXXX Reference number : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX Balance : - XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX  XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX on XX/XX/XXXX 2023
Consumer complaint received 2020-06-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NC)

I wrote Rushmore loan management services and engaged them several times to state reasons why they changed my escrow to non-escrow and they have refused to give me any response. It all started when I realized that my property and casualty was canceled several months back for nonpayment when I filed a claim to the insurance company for storm and hill damage to my roof. Rushmore has since then refused to take responsibility for the cancellation and to take responsibility for replacing my roof. I wrote them again about the error resolution notice and they have still refused to reply to my letter since XX/XX/2020.
Consumer complaint received 2023-07-25
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: EQUIFAX, INC. (LA)

Im accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, had 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 an account without my written instructions.
Consumer complaint received 2019-02-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC (CO)

A letter was sent on XX/XX/2019 from American Coradius International stating I owed {$1000.00} to XXXX XXXX. I do not owe this debt and is a attempt to collect a debt that was due to theft of my identity.
Consumer complaint received 2023-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have had repeated issues with Trans Union. Long hold times and multiple transfers, no one can help me. I continue to get redirected to websites and are not in existence or invalid. 
I am trying to find out why my credit score decreased XXXX points and no one is able to answer the question. I was sent to service.transunion.com and get the error code 1020, access denied. I have received this error numerous times in the last year and each time I call in, no one can assist me. 
Additionally, the rep I was woking with tonight gave me a link to access my credit score and find out why it decreased ( he stated that was the only way I could find out ) and I would have to pay XXXX with him over the phone or i could access annualcreditreport.com and pay XXXX. There is no such option on that website. 
I called someone else and she told me that my account needed " maintenance '' and that she was forwarding it to the maintenance department and I should wait for a letter. She said that my score may change once maintenance is performed and in the mean time it would be a good idea for me to send a copy of my Drivers license and ss card with a note that I am sending this for maintenance to my file. She told me to send it to XXXX XXXX XXXX  XXXX PA XXXX. 
I have spent the last 6 hours holding and being transferred around Transunion without resolution and still not being able to access my account or know why my score has decreased so significantly.
Consumer complaint received 2023-07-31
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

Nissan Motor Acceptance, the information you are providing to the consumer reporting agencies is inaccurate and incorrect. 
This erroneous reporting has had a significant negative impact on my character, reputation, overall lifestyle, and ability to secure credit for personal and housing needs. 
Your inaccurate reporting has caused substantial harm to my livelihood.
Consumer complaint received 2023-07-25
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: EQUIFAX, INC. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-25
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. (FL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX : {$680.00} ; XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$350.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX  XX/XX/2022 ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 XXXX XXXX XX/XX/2022.
Consumer complaint received 2023-07-25
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX, and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX. XXXX XXXX : {$24000.00}
Consumer complaint received 2020-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (AL)

I booked a hotel through XXXX in XXXX for a trip to XXXX before COVID-19 and travel bans. Once we learned that we couldn't go to XXXX because of travel bans and everything being cancelled, including my flight and my events in XXXX and to XXXX, we immediately contacted XXXX and tried to cancel to get our money back. We tried for days to get in contact with XXXX, but could never reach anyone. We even tried to cancel on the site, but it would only offer us {$70.00} of our {$700.00} stay. We aren't allowed to travel outside of the United States, so there's no way we could have gone on this trip. I reached out to Citi and filed a dispute. I told them this whole story and provided them with proof of cancelling the XXXX trip. It took them 2 months to get back to me and I had to find out that they sided with XXXX instead of the loyal customer. I don't dispute charges unless it's fraud and I believe XXXX has been taking people 's money during this critical time. I was also told by Citi in my dispute that I would receive details about my case in Notices and Letters on my account, but I never even received that or anything else from them. There have been tons of complaints about XXXX taking people 's money. I have lost my job due to COVID-19 and I can not afford to lose {$700.00} for a hotel that I could not stay in because of a global pandemic and travel ban.
Consumer complaint received 2023-07-25
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: EQUIFAX, INC. (CA)

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative.