davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-19
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 XXXX # XXXX {$380.00} 15 U.S.C. 1681 section 602 A states I have a 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 permission, consent, or instructions.

I have contacted this company several times asking for a contract. I have been told that a contract was formed over the phone. I would like phone logs and voice recordings to prove that this account is mine
Consumer complaint received 2023-03-19
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. (MA)

In accordance with the Fair Credit Reporting act. The information below is incorrect and has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
-- Phone Numbers ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ( XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX -- Names XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX -- Address XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX My Name is XXXX XXXX XXXX XXXX 
My Address is XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MA XXXX My phone number is ( XXXX ) XXXX, My rights has been violated. 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 2022-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion Name : XXXX, XXXX, XXXX, XXXX, XXXX Employer : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AUTO XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Collecons XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 2023-03-19
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. (MD)

On XX/XX/XXXX I have requested proof of accuracy and investigation from the CRA regarding a collection account with significant inaccuracies and have been unsuccessful. This process has been hazardous to my health and families well being. In accordance with CDIA METRO 2 COMPLIANCE PROCEDURES and the FCRA, every item being reported shall be 100 % accurate, timely and verifiable. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). XXXX XXXX XXXX XXXX accounts on my profile is not reporting correct and true. Ive never giving authorization under form SSA-89 to share my name, social security number nor any other private identifying information which makes said collection account reporting identity theft. Is this account metro 2 compliance? Today is XXXX, XXXX and i have not received a response nor update, that makes EQUIFAX Noncompliant. I EQUIFAX a dispute letter with the concern that this account has yet to be properly been investigated as federal law requires interviews to be conducted under 15 U.S. Code 1681i ( 7 ) and CDIA metro 2 compliance procedures of 1997 require identifiers. I am seeking help and protection unproven, illegal data sharing, non compliance acts placed on my report without proper investigation. Please remove XXXX XXXX XXXX from my credit report i have no acknowledge of this company.
Consumer complaint received 2022-11-10
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: JOHN GIBSON AUTO SALES, INC. (AR)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-09-24
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXXt Account # XXXX XXXX XXXXXXXX open date XX/XX/XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX open date XX/XX/XXXX, Account # XXXX XXXX, Account # XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (IL)

On XX/XX/2020, I contacted CitiBank 's credit card customer service to request a refund of over payment for the amount of {$980.00}. The customer service rep informed me that the refund amount would be direct deposited to my bank account ( using the information I provided her ) in 3 days. 

Having not received the refund, I contacted Citi again on XX/XX/XXXX, and was informed that the request was originally declined and re-submitted by them on XX/XX/XXXX. The supervisor I spoke with XXXX XXXX from Arizona, case # XXXX ) would not provide details on why this happened, or why I was not informed. Furthermore, when I requested a date that I could expect the refund to be processed, he said that was not possible and I simply had to wait for an indeterminate amount of time, without any assurances, because it had to make its way through their system for approval. 

It is unacceptable that CitiBank is allowed to simply keep my money for as long as they want ( well past the originally promised 3 days XXXX, despite my having followed all the required steps to request a refund.
Consumer complaint received 2022-08-08
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: EQUIFAX, INC. (MS)

In accordance with the Fair Credit Reporting act 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. ( I never gave XXXX XXXX XXXX XXXX permission to furnish any installment accounts on my consumer report. )
Consumer complaint received 2019-07-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (GA)

This company contacted me regarding a debt owed by XXXX XXXX XXXX. First they wouldnt disclose their identity until I confirmed my personal information. Second they are stating I owe a bill for an account that has been paid in full.
Consumer complaint received 2020-05-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alliance One, Inc. (NJ)

Alliance One debt collector Account # XXXX Creditor : XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  BALANCE DUE : XXXX I ONLY WILL DEAL WITH THE ORIGINAL CREDITOR TOLL FEES WERE PAID THIS XXXX IS SOME ASSESSED LATE FEE ( S ) ADDED ON AS ADDITONAL MONEY OWED I AM TAKING IT UP DIRECTLY WITH ORIGINAL CREDITOR ONLY- ASKING FOR A WAIVER OR FORBEARENCE DUE TO NATIONAL EMERGENCY
Consumer complaint received 2020-05-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Guild Holdings Company (GA)

In XXXX of XXXX I was referred to a Loan specialist, mainly because of a home buying program XXXX XXXX XXXX that her company offered at the time. I had a telephone conversation with her and documents were submitted, credit check done, all the preliminary things to start the home buying process. I was informed by the loan specialist that I was not eligible at the present time for the loan program due to a foreclosure in XXXX of XXXX, but would become eligible in XXXX of XXXX, 2 years post the foreclosure. she referred me to a realtor and suggested I start looking for a house so I would be ready in XXXX to purchase. We started looking for a house slowly as I wasn't in any rush. I found a house in mid XXXX that was still in the building process. we contacted the builder and was told they have a preferred lender. I opted to go with the preferred lender because they had better buyers incentives to offer. I was given the preferred lenders information and I contacted them in XXXX to discuss purchasing that house. the first person of contacted was the Loan originator he took all the preliminary information to start the process of securing a loan.All communication was via telephone and emails except for one occasion when I met a member from the processing team in person where I submitted. pay stubs, bank statement, ID, W2 thing of that nature was given to him. The original loan application was done over the phone and sent o me viaXXXX to sign the yellow highlighted areas and return to them, The foreclose in XXXX was mentioned and I was informed and at the time was never a issue, the process went through smoothly and I closed on the house XXXX XXXX. In XXXX of XXXX in received a letter from the main office DEMANDING THAT I EITHER PAY BACK THE LOAN OR REFINANCE OR FACE FORECLOSURE IN 30 DAYS. reason for such decision is that my foreclosure back in XXXX was not mention while trying to secure the loan. That information was in fact discussed with the loan originator my relator was aware the previous loan specialist was aware. and it public record.I have tries to get the loan refinance through my credit union, banks but have not been able to do so. paying off the loan is not a option so I am left in impossible situation. 
I contact a attorney and I was referred to CFPB for assistance.
Consumer complaint received 2022-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PENTAGON FEDERAL CREDIT UNION (CA)

Today XXXX ; I received a notice of delinquency on my credit report. After reviewing all statements I came across a late charge fee that would infer that I was late on a credit card payment with Pentagon Credit Union. Three months ago XXXX granted me a credit increase and a balance transfer. During this process XXXX experienced an internal records issue that I am unable to discern. During the process I was issued 2 new cards. As a result, automatic payments were no longer processed accurately and Pentagons systems reported derogatory information to the credit reporting agencies. This was completely out of my control and Pentagon credit union refuses to take responsibility for this failure of their systems. This is impacting my financial standing and causing me great hardship. I would the records to be updated and remedied, as if Pentagon federal credit unions systems worked properly.
Consumer complaint received 2022-08-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

ORGINAL DEBTOR : CAPITAL ONE BANK XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Original problem- I paid Capital One Bank on time every month. I'm On SSI, so when i got paid 2 days early one month I paid COB 2 days early. They put that amount into the month prior. I tried to get them to shift the payment to The next billing period but they wouldn't. I didn't have any extra money to send to them so I Told them they aren't getting anymore out of me. 

Current problem - They sold my information to XXXX XXXX XXXX 's, XXXX. 
Ever since then its several phone calls a day. One in which is an aggressive sounding voice message. Not only that but they never gave me a notice informing me of my RIGHTS to dispute nor a form to do so.
Consumer complaint received 2023-03-19
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. (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 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 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 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I pulled my credit to myself for the firstime in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY FILED {$0.00} CHAPTER XXXX DISMISSED {$0.00} DEPTEDXXXX  XXXX {$2000.00} DEPTEDXXXX  XXXX {$620.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$19000.00} XXXX XXXX {$790.00}
Consumer complaint received 2022-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION (VA)

I have sent Navy federal credit union a correction of billing errors notice pursuant to 15 USC 16666 ( a ) which was delivered XX/XX/2022, stating that there is an error in the statements for credit cards and vehicle " loan '' associated with ACCOUNT NUMBERS ENDING : XXXX pursuant to 15 USC 1666 ( b ) ( 4 ) and have demanded that they credit the account with the amount of credit ( {$6000.00}, {$1000.00}, and {$61000.00} ) that was issued to the consumer ( me )
Consumer complaint received 2022-08-08
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: EQUIFAX, INC. (IL)

Called XX/XX/2022 spoke with XXXX ( id XXXX ), XXXX XXXX id XXXX ), XXXX XXXX id XXXX ), XXXX ( id XXXX ), all stated to be supervisors and where all unfair and continued to violate my rights as a consumer. I was told to get help I would have to send a police report. I asked for the law or a policy to show I needed to do so. I demanded all accounts and inquiries be removed from my consumer report and file that I did not give consent to furnish.
Consumer complaint received 2020-05-19
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. (AR)

I pulled my credit to myself for the firstime in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY FILED {$0.00} CHAPTER XXXX DISMISSED {$0.00} DEPTEDXXXX XXXXXXXX {$2000.00} DEPTEDXXXX  XXXX {$620.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$19000.00} XXXX  XXXX {$790.00}
Consumer complaint received 2023-03-19
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. (NE)

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 XXXX  Account # XXXX XXXX XXXX Account name : XXXX XXXX  Account # : XXXX XXXX Account name : XXXX XXXX  Account # : XXXX XXXX Account name : XXXX  XXXX, Account # : XXXX XXXX Account name : XXXXXXXX XXXX XXXX  Account # : XXXX XXXX Account name : XXXX XXXX, Account # : XXXX XXXX Account name : XXXX, Account # : XXXX XXXX Account name : XXXX XXXX, Account # : XXXX XXXX Account name : XXXX  XXXX, Account # : XXXX XXXX Account name : XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account name : XXXX XXXX Account # : XXXX XXXX Account name : XXXX, Account # : XXXX XXXX Account name : DEPT OF EDXXXX, Account # : XXXX XXXX Account name : U S DEPARTMENT OF EDU XXXX, Account XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX, Account # : XXXX XXXX Account name : XXXX XXXX XXXX  Account # XXXX have 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.

15 U.S.C. 1692c. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt-
Consumer complaint received 2021-08-13
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 — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (IL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.