davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-02
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  Account XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXXXXXX 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 instruction.
Consumer complaint received 2022-06-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: American Financial Network Inc. (VA)

Good Afternoon, I believe that American Financial Network Inc. is making false and misrepresenting statement 's to the buyer 's of my house, as to whether they can be given a mortgage loan or not. They keep asking for extensions without an explanation as to why settlement can not be reached, resulting in an over month long delay in closing so far. Only recently have they started communication with me and my realtor and keep giving different, contradictory reasons to different people as why the loan can not be granted.

This is apparently a pattern of behavior, as my realtor has agents under her who are dealing with the same problem with XXXX with different real estate deal 's. The constant delay 's have resulted in a situation where I have had to do a preoccupancy with the buyer 's, as my tenants moved out long ago and I can not afford the mortgage by myself. I am not in a position to rent an apartment without my settlement check and I am at risk of XXXX. Any assistance with this matter would be appreciated. 

Respectfully, XXXX XXXX
Consumer complaint received 2022-04-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (TX)

On XX/XX/2020 I was charged {$3000.00} by a company thru an ACH transaction. No mercandise was ever reveived for this charge and I first informed the seller and then when I got nowhere I raised the issue to my credit union, Navy Federal Credit Union, in early XX/XX/2020. I then raised it again in early XX/XX/2020 and finally via phone in late XXXX after no prior response from the credit union. 

They have not responded to ANY inquiry either by phone, secure bank messaging system, or US mail.
Consumer complaint received 2022-04-28
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (WA)

I called to try and settle the debt today XXXX and talked to a rep. She did a hardship application and offered me to settle for {$1500.00}. I asked her to settle and delete off credit report for {$1200.00}. She said she would transfer me to someone who was " more lenient ''. That person said no they would not offer me anything different and started telling me I dont pay my bills raising their voice. I asked to talk to a supervisor. She put me on hold for 10 minutes and transferred me to a voicemail that didnt work. I called back and was hungup on. I called back and was transferred to XXXX. He said he is the end all be all of that office and there was no supervisor above him. I asked him about settling and he said he actually deleted the offer and was going to give the offer any more and would not be deleting on the credit either because he didnt have to and they didnt have to offer anything. He refused to let me talk to someone else and just sat there on the phone. I asked how it was legal for them to offer me a offer and just because I asked to talk to a supervisor after being yelled at now they will not offer me a settlement and refuse to ever delete on my credit too. XXXX also refused to tell me statute of limitations and the exact date it went into the office and refused to work with me without any reason at all. They are being very vindictive and retaliatory when I am just trying to settle this.
Consumer complaint received 2023-06-02
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. (MI)

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-18
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. (NY)

regarding account as follow XXXX XXXX auto account XXXX has violated my rights is in clear violation of the law, 15 USC 1681 section 602 A states i have the right to privacy. THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( 2 ) In accordance with the writing instructions of the consumer to whom it relates. Did I give you written instructions to furnish this account on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusion from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experience between the consumer and the person making the report. Also violation 15 USC 1681e whenever a consumer reporting company 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.
Consumer complaint received 2022-04-28
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: GLA Collection Company, Inc. (MI)

I am XXXX XXXX, the original creditor, consumer and natural person. We entered into a consumer credit transaction therefore the finance charge was taken when i signed the application. After the finance charge there usually a security interest thats left behind. Instead of giving me my money. Because all the money originally came from my social security number. Since i didnt accept the money they took the contract over for value. Which was misleading because they are suppose to tell you whats happening but they never did. This led to them infringing upon my privacy and sending my information over to consumer reporting agencies. Which i never gave them consent to do. That is fraud. Then the consumer reporting agencies are now committing fraud because they are reporting my information without my written consent which is illegal for them to do as well. Everything starts and ends with the consumer.
Consumer complaint received 2022-04-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (IL)

I have had a Student Loan for approximately 11 years. From a fraudulent school. They changed their name. I have initially called the Department of Education with my concerns upon the initial time of the incident. Because in regards to that school, I was unable to use, or transfer those credits to any city college, or university. The Department of Education representative at the time stated that it is not the responsibility of the department of education who needs to repay a loan. I said, so then I can open up a bogus school and have a bunch of kids go there. Have you guys finance it, and its illegitimate. That doesnt matter? She said yes as long as you can get kids to go there thats on you. I said, wow, ok. Later on I found out about XXXXXXXX XXXX. Im not sure how long it has been established. As I was looking for that information earlier on in the loan. I was getting the runaround through various departments within the Dept Of Ed. After stumbling across the XXXXXXXX XXXX application. I submitted a claim and was denied. I resubmitted a claim including an email directly from my new schools registrar, well now graduated from. It has been two years and it is still in processing. I spoke with XXXXXXXX XXXX. They said it is still in processing. As far as who is processing it I do not know. There is no expected time of completion. Which is of great inconvenience for me financially. I want to own a house, I want to live my life. Approximately {$21000.00} for something I couldnt use is a hindrance to me and my future. I dont know where to go from here. Which is why Im contacting you. I have asked them to speak to a higher up. They said that the supervisors will tell me the same thing. They said I could hire a private lawyer.. Which, for some thing I was never able to use. That makes no sense why would I pay for something that Im trying not to pay for because I am not responsible for this loan. If it was something I couldve utilized.. Instead of completely going to school over again to attain my degree. Then I could understand being responsible for repayment of the loan. Thank you for your time.
Consumer complaint received 2019-07-03
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. (FL)

Two accounts are still on my credit history after contacting the credit bureau. They have the incorrect status and account balances. 

XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX
Consumer complaint received 2023-04-18
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. (OH)

In accordance with the fair credit reporting act convergent account ( s ) has violated my rights : XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2, Also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-28
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. (TX)

I noticed 3 past due accounts on my Experian credit report that I did not recognize. 
1. XXXX XXXX XX/XX/XXXX # XXXX 2. XXXX XXXX XXXX {$2000.00} on XX/XX/XXXX 3. XXXX XXXX XXXX {$1000.00} on XX/XX/XXXX I contacted XXXX in early XXXX, they opened an investigation and determined I was the victim of identity theft. 
I contacted XXXX on XX/XX/XXXX and informed them I did not recognize the account. They suggested that I contact Experian to open a dispute. 
I contacted experian today XX/XX/XXXX and disputed these 3 accounts/charges.
Consumer complaint received 2022-08-23
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 this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-23
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: EQUIFAX, INC. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any account which was opened without my knowledge, consent, or authority within 4 business days with ( 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. XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (SC)

I received the attached documents in the mail today. This is the 2nd time that I have received documents claiming a security breach. The 1st was from some eye service business, which I never heard of before & this one is from XXXX, also unknown. Both inquiries included credit reporting agencies.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

Reason : Violation of 15 USC 1681b ( e ) ( 6 ) Your company is in VIOLATION of 1681b ( e ) ( 6 ). ALL CRAs must maintain a joint notification system. I do believe that his subsection was put intact to maintain MAXIMUM and proper accuracy amongst consumer reporting agencies. These accounts and information being reported does not match the other consumer reporting agencies. This means your company has failed to keep a joint notification system. WHICH NOW PLACES YOU IN VIOLATION. REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT IMMEDIATELY. 

Also, I, never gave any bureaus any verbal or written consent to report anything in my consumer report. No consent is identity theft. A copy of the law is attached with this dispute. You also do not have any permissible purpose to furnish my personal information to any third party. 

THIS IS IDENTITY THEFT!!! PER 15 USC 1681Q YOU MUST HAVE WRITTEN INSTRUCTION TO REPORT THESE ACCOUNTS LISTED BELOW. IM DEMANDING YOU PROVIDE ME MY WRITTEN SIGNATURE WHERE I GAVE YOU PERMISSION TO REPORT TO MY CONSUMER REPORT TO SHARE MY PERSONAL INFORMATION. YOU RECEIVED MY INFORMATION FROM A SECNODARY REPORTING AGENCY.

PER TITLE 18 USC 1028A THIS IS AGGRAVATED IDENTITY THEFT AND I DEMAND THESE ACCOUNTS TO BE DELETED FROM MY CONSUMER REPORT AND FROM YOUR DATABASE. IM EXERCISING MY RIGHTS. 

As a consumer, I am demanding a deletion of the following accounts : XXXX. XXXX  XXXX The date of the last activity does not match which is a sign that the account has been re-aged. This is a violation. 
Please delete this from my consumer report.
Consumer complaint received 2019-11-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Windham Professionals, Inc. (MD)

I have paid my student loans off when I worked for a Fortune 500 company. But received collection letters for student loans I asked for proof of loan signatures and discovered that they had included with my SS # loans for {$11000.00} and over for someone with just my same initials but clearly not my name. I sent information to the Federal Student Aid in XXXX, Georgia, but I believe that the information I sent did not reach them but was intercepted because I never received a response to my dispute of these charges. My payroll check has been garnished unfairly for someone else 's debt. I can not afford to pay for anyone else dept. I have proof that this was added put am still over a year later paying from each check over {$160.00}. Please help me to resolve this once and for all. 
I have had a lot to take care of and have let this slide because I can not deal with all of this and try to function daily. I recently lost my mom whom I was the primary caregiver. 
I have tried to deal with this when I was in a tempory position but still, this position only pays {$15.00} hours. Help me to get this garnishment stopped..
Consumer complaint received 2019-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

They keep charging a late payment of {$38.00} and a {$150.00} past due amount ... due to the payment not being made on before the XX/XX/XXXXof the month ... ..
Consumer complaint received 2022-08-22
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: GOLDMAN SACHS BANK USA (NY)

Goldman Sachs Apple Card charged me for repair of my XXXX claiming they did not receive my XXXX until XX/XX/2022. I have the XXXX receipt showing my XXXX was received on XX/XX/2022. I was given an extension to return my XXXX until XX/XX/2022 because I had to go out of town unexpectedly. I called and they left me on hold for over 17 minutes and 40 seconds and never came back to the phone. In New York State its legal to record a conversation in New York. New York is a one consent state when it comes to recording. XXXX told me Apple does not allow recording of a call.
Consumer complaint received 2019-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX reported that I was 30-59 days late on my account. This is impossible because I set up auto-pay through their website. In XXXX of 2019, their system made a mistake and withdrew two payments from my bank account. One on the XX/XX/XXXX and the other on the XX/XX/XXXX. I only authorized one payment. When I called, the rep told me that their system made a mistake and they would credit my account. In XXXX of 2019, their system made the same mistake and withdrew two payments again from my bank account. One on theXX/XX/XXXX and the other on the XXXX of XXXX. I only authorized one payment. I called and the rep apologized again and said they would credit my account. This time the rep said they were going to cancel the autopay and asked me to set it up again. So later that day I set up the autopay. I noticed earlier this month that my account was late when checking my credit report. I called XXXX and they told me I needed to make a payment because I was late. I asked them how if I set up autopay. They told me to visit a branch. I went into a branch and made two payments, which they said I was late. Once again I asked how if I set up autopay. They told me I entered the wrong bank account number. This is impossible because I entered the same bank account that they withdrew the 4 payments out of ( 2 of which were unauthorized ). I explained to them that their system must have a made a mistake, since I experienced issues in the past. They said no I was wrong and that their system doesn't make mistakes, even though it did in the past. I never received a phone call, voicemail, or letter in the mail notifying of an issue with my account. When I asked them why, they said they did call. I asked them which number did they call and they gave me a number that has never been associated with me. I explained to them that this wasn't fair and I shouldn't be punished because of their system error. They told me oh well and their is nothing I can do about it.
Consumer complaint received 2023-03-09
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: Experian Information Solutions Inc. (CA)

XXXX XXXX  XXXX 15 USC 1681 B SEC 604 Permissible purposes of consumer reports states any consumer agency may furnish a consumer report under the following circumstances and no other : 1 ) in response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal jury.

2 ) in accordanance with the written instructions of the consumer to whom it relates.

I did not give written authorization for this creditor to furnish any of my personal information, or share it with anyone XXXX please understand that i know a list of transactions is not a form of validation to be able to report my information or share it with any third parties please cease these actions. 

Small claims court and consumer law attorneys have told me i am eligible to make a small claim requesting payment for defamation if these keeps happening after i disputed it which ive done already. 

Your company is not authorized at all to share my information. Im not asking you to verify anything VALIDATE AND PROVIDE ME PROOF THAT YOU HAVE MY WRITTEN CONSENT TO SHARE MY NON PUBLIC INFORMATION