davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-14
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. (GA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX  XXXX XX/XX/XXXX -XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX NEGATIVE 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 XXXXXXXX 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 an account without my written instructions.
Consumer complaint received 2022-12-19
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. (GA)

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the status information of these accounts and update right away. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (CA)

To my notes, end of XX/XX/XXXX, I applied for a credit card. A special limited time offer for XXXX members. The card was approved and issued from XXXX XXXX XXXXXXXX with a credit line of XXXX XXXXXXXX XXXX promised a XXXX XXXXXXXX statement credit after using the card, making purchases of XXXX XXXXXXXX or more within the first 90 days. They promised automatically receiving the credit on my statement after qualifying. 
Even I met the criteria, I didnt get the XXXX XXXXXXXX and I was waiting until end of the year, I called XXXX  beginning XXXX, they promised to take care of this. I called again and again and XXXX promised to fix this problem. 
On XXXX XXXX I get a letter from the Comenity Bank XXXX telling me, that Comenity Bank will take over all the Credit Cards from XXXX XXXX informing me about coming changes to my XXXX XXXX XXXX  XXXX  credit card. Meanwhile Comenity Bank send me a new card, which was activated on or around XX/XX/XXXX. 
I checked the available statement at Comenity Bank but could not see the promised XXXXXXXX XXXX XXXX. When I called XXXX to find out about the status of my Reward, I found out that there was not any account information on the internet, my account was not existent anymore. When I called XXXX they said that Comenity Bank have all information, ast they took over the accounts and told me th

at Comenity Bank is responsible. When I contacted the Comenity Bank several times, they said I have to be patient, as they have a lot of trouble with taking over the credit card accounts. So I was patient again. They promised to put the Award at the next following first day of month to my account, but nothing happens again! 
I contacted XXXX in this matter, which promised to convey with Comenity Bank, but they didnt get also no answer. 
When I see the reputation and meaning from other people, Im wondering that such a Bank get the license to administer the money from the folk.
Consumer complaint received 2022-07-17
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. (PA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-12-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or UPDATE all information which can not be verified.

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX  XXXX XXXX XXXX Date Opened XX/XX/2014 Balance {$0.00}.
Consumer complaint received 2023-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I wrote Capital One on XX/XX/2023 and mailed on XX/XX/2023 requesting to pay off the closed QuickSilver and Walmart cards for removal from credit report ; received response that said I had to call the Customer Service number. 

I called Customer Service today, XX/XX/2023. I spoke to representative XXXX, id # XXXX, and requested a letter/email stating " once/if the account was paid in full the account would be removed from my credit report ''. 

XXXX responded that Capital One would remove the account from my credit report ( she said this 3 times ), when my balance was paid in full that a settlement would not be offered. I asked for this in writing because I'm not falling for the trick of you pay, we leave it on the credit report even though we said we'd remove it. 

When I pressed XXXX for the letter/email, XXXX changed her wording once again stating that when the account is paid I'd receive confirmation. When I pointed out that her wording was changing she became very flustered and tried to interrupt every thing I was saying. 

She then said something that since I'm not going through a company to do this that Capital One won't negotiate. I stated I will pay the balance in full if I receive the letter, she said " yes ''. Then I asked for the letter again and was told it will be provided once the account is paid.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2022-07-17
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. (SC)

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX Account # XXXX and XXXX has violated my rights 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-14
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. (FL)

30 days ago i contacted each CRA to update my credit report and take of all negative items hurting my lively hood in which they did a false investigation and never rectified the accounts
Consumer complaint received 2022-07-17
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. (SC)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-12-27
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: Self Financial Inc. (NJ)

To Whom it May Concern ; This is in reference to the Consumer Report sent by SELF FINANCIAL. While checking my credit report, it came to my notice that SELF FINANCIAL has furnished an account ACCOUNT #XX/XX/XXXX on my Consumer Reports. According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation Any medium includes any oral, written, electronic, or other medium, which includes nonaffiliated third parties the three major Credit Reporting Agencies XXXX, XXXX, and XXXX. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by SELF FINANCIAL will amount to Communication. I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and XXXX. The provisions of 15 USC 6801 ( a ) state It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Please be advised that I have not given your company consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information, I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information. 15 USC 6802 ( B ) clearly states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. 15 USC 6802 ( B ) 1b the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that nondisclosure option. In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( i.e XXXX, XXXX, and XXXX  ). With that said, your company has not only infringed my right to privacy but also violated multiple Federal Laws. I have not surrendered my consumer or privacy rights by giving SELF FINANCIAL permission to communicate and disclose MY NON PUBLIC PERSONAL INFORMATION WITH NONAFFILIATED THIR PARTIES Please do not provide me with specific information regarding the account since this letter is not addressing, disputing the inaccuracy or discussing verification or validation of the alleged. Please do not provide me with statements, payment history, or any other specific details pertaining to the account
Consumer complaint received 2024-09-04
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. (PA)

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB, I am writing to bring to your attention a serious matter concerning aggravated identity theft, a federal offense under 18 U.S.C. 1028A. This statute, enacted in 2004, mandates a minimum sentence of two years in federal prison for those found guilty of such offenses. The sentence for aggravated identity theft must be served consecutively to any other penalties for the underlying charges, and probation is not permitted.

Aggravated identity theft involves the unauthorized use of another person 's identifying information in connection with a felony or terrorism offense. Examples include, but are not limited to : Stealing a person 's social security number or credit card information Opening accounts in the victim 's name Using the victim 's information to obtain goods or services Billing a client electronically for more hours than were actually worked Charging a customer for a more expensive product than ordered using electronic payment methods To establish aggravated identity theft, the following elements must be present : The defendant knowingly transferred, possessed, or used, without lawful authority, a means of identification of another person. This could include someone else 's driver 's license, passport, social security number, or other personal identifiers.

In light of this, I am requesting a SSA-89 form from the following creditors and inquiries : Creditors : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX {$2800.00} Inquiries : XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) I respectfully ask that these institutions remove any information related to these accounts and inquiries from my consumer report if they are unable to provide the SSA-89 form with my wet signature .

I appreciate your attention to this matter and look forward to your assistance in resolving these issues promptly. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-21
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)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2022-07-17
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. (SC)

I went to the car dealership they said they were gon na just pull it for XXXX XXXX XXXX XXXX. However, there was 17 other hard inquiries. 

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 2019-09-03
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. (MN)

I do not agree that the said amount of debt is owed by myself, to XXXX XXXX XXXX XXXX. I have not received any documentation of how this amount was generated, from XXXX XXXX XXXX XXXX. To my knowledge I am strongly convinced that I do not owe the stated amount, in fact I do not owe any amount. Unless credible, validation of proof is produced, we are all in full agreement that there is no debt owed by myself.
Consumer complaint received 2019-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NH)

I have tried to call Equifax for the past month in order to unfreeze my credit score. I'm currently in the process of trying to buy a house and am about to lose said house because they will not release my score. I have sent them all the information they require in order to make this happen and each time they have lost it. I verified the fax number with them every time I called ( I have the correct number each time ) and still they have yet to receive my paperwork. I am 3 days away from losing the contract on my very first home because they refuse to help me and give me false information. I have cried and I have begged for any kind of work around in order to make this process go faster so I will not lose my house, but I am met with the same scripted telephone calls each time. They have said there is a problem with my identity ( I married XXXX  years ago and recently divorced but kept my married name because that is the name attached to my social security number )
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXXXXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (OH)

Midland credit management , XXXX had a open closed case with me and is report Three accounts to all three credit reporting agency XXXX, XXXX and XXXX that was voluntary dismissal WITHOUT prejudice. This has affected me where as i could not get a refinance loan.