davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-22
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. (AL)

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

15 U.S.C. Section 602.A., states that I have a right to privacy. 

15 U.S.C. Section 604.A.2., states that a consumer reporting agency can not furnish account information without my written instructions.
Consumer complaint received 2022-06-22
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. (SC)

n accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-06-22
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. (GA)

On XX/XX/2022, I contacted TransUnion about the following negative accountXXXX XXXX XXXX XXXX ( Balance {$1100.00} ) Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-06-22
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. (MI)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2022-06-22
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)

I have notified Equifax about the unauthorized inquires on my credit report & they have not been removed. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b 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 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. Equifax reported these inquires are not on my report, when in fact THEY ARE & THEY SHOULD BE REMOVED IMMEDIATELY. There is no proof that I initiated these hard inquiries. If there is proof, Equifax should provide the proof to me. Equifax has never provided any proof because there is no proof.
Consumer complaint received 2022-06-22
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. (AL)

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

15 U.S.C. Section 602.A., states that I have a right to privacy.

15 U.S.C. Section 604.A.2., states that a consumer reporting agency can not furnish account information without my written instructions.
Consumer complaint received 2022-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

THE BELOW LISTED REPORTED PERSONAL INFORMATION IS CURRENTLY REPORTING DEFICIENT OF FEDERAL AND STATE REQUISITE REPORTING. This series of misreporting seems to me clearly involves a universal and complete failure by this credit company to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681 -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX
Consumer complaint received 2020-04-27
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX {$960.00}
Consumer complaint received 2022-06-22
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXXXXXX ACCOUNT # XXXX, XXXX XXXX  XXXX ACCOUNT # XXXX, XXXX ACCOUNT # XXXX, XXXX XXXXXXXX XXXX XXXX ACCOUNT 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
Consumer complaint received 2022-07-08
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: Experian Information Solutions Inc. (CA)

I recently submitted a request for an investigation of the disputed account, which Credit Bureaus claimed was verified. Since I believed they didnt properly investigate my dispute I contact the XXXX XXXX on the previous month XX/XX/2022, via certified mail. They were responding proving to me that I was correct. Experian, XXXX and XXXX records show that it was incorrect. Since their investigation was done improperly, I need the following accounts listed below to be updated in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
o XXXX XXXX XXXX Balance Owed : {$7900.00} o XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-06-22
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. (CA)

This is to inform all credit bureaus and collection agencies what the law requires of the information I have required from my Credit report you Needs to provide me with that verification of each negative item showing in my credit report The items I requested is inaccurate not completed. I need all to be verified accurately TransUnion XXXX XXXX. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller. 
( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Validate Account XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I will have to AGAIN go back & research exact dates- so just now giving an estimate of time frames. Capital One has FAILED to post my payments to my credit account & made at least 3 errors in regard to that.Approx. in XX/XX/2022, I noticed that money orders sent were NOT posted to my account. I had sent from memory the full amount due to pay off the existing balance & allowed for some interest on this {$500.00} balance account of which I had for about 7 years.Never being over the limit & always paying on time by money orders.I have my receipts & have paid extra prior to even getting the monthly statements because I wanted a XXXX balance.Now I will have to dig thru my papers AGAIN. One payment was for {$370.00} & I believe another one for about {$40.00} of so- will have to look-I contacted Capital one & spent much time on this & gave the money order receipt number & the person stated he would investigate. This money order had been cashed earlier. Then on XX/XX/2022, the {$370.00} plus {$1.00} in interest was applied to my account.My Father was buried in XXXX & my XXXX on XXXX XXXX so I did not have the time to check on the smaller money order. On my next statement on XXXX I sent in $ XXXXThen a few days I checked to see the balance as I wanted to pay it in full & the recorder stated that I was over-the- limit by {$260.00}. I immediately contacted Capital One AGAIN & found out that they had pulled the {$370.00} on XXXX, & caused this situation with NO NOTICE AT ALL TO ME & now DEMANDING payment from me & a balance of {$760.00} immediately.I am so mad l & upset about this & stated for them to close this account & correct this asap. I am writing them a letter today with receipt copies enclosed & cutting up this card & NEVER want to do business with them again.Please assist me in getting my payments applied & they should give me compensation for their 3 time errors & especially during this sad time of my XXXX XXXX XXXX life. Thank you.
Consumer complaint received 2021-10-02
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. (CA)

I submitted a dispute to the credit bureaus on XX/XX/2021 and still haven't received a response by mail. It has been over 60 days and i will not wait another 45 days for no response. I will file a complaint with the XXXX  XXXX  XXXX  and the Federal Trade Commission since i am not aware of these accounts. This has caused stress to my life. Please remove these account immediately.
Consumer complaint received 2022-06-13
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. (CT)

**** In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXXXXXX And 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
Consumer complaint received 2022-06-13
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My credit report is showing XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Par both open XX/XX/XXXX That information is incorrect.
Consumer complaint received 2022-11-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ADP Inc. (TX)

A debt collector by the name of XXXX XXXX XXXX submitted a Garnishment Order in the state of Missouri to my place of employment using the company ADP Inc . I am a consumer in the state of Texas. My wages are earned in the state of Texas. ADP has sent a email stating the garnishment order is valid from the state of Missouri. 

The state of Missouri also does not have any jurisdiction in the state of Texas. 

Pursuant the Texas Constitution Article 16. Section 28. GARNISHMENT OF WAGES. No current wages for personal service shall ever be subject to garnishment, except for the enforcement of court-ordered child support payments or spousal maintenance. 

I have contacted ADP at XXXX and was advised that the garnishment is valid. ADP advised that they will not stop the garnishment. ADP advised that only the attorney from the Missouri court order can stop the garnishment. 

This is a violation of my consumer rights and Texas state laws. 

I did not give ADP ANY permission to collect ANY debt from my wages. 

An FTC Complaint has been submitted as well as a Texas Attorney general complaint.
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

I pulled my credit report and I noticed that I had several name spellings and addresses that were unknown or inaccurate it may belong to a relative but not me I also haven't used my XXXX  last name since XXXX so all accounts of those are fraud, I will provide legal documentation of my name change. I also noticed that medical bills on there that I didn't give permission to release my health information I am a XXXX XXXX than can be detrimental to my employment. I am listing all the information below in this paragraph MULITPLE NAME SPELLINGS 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  THE PHONE NUMBERS ARE HIGHLIGHTED ON THE REPORT THAT NEED TO BE REMOVED AND ALL OTHER INFORMATION UNKNOWN TO ME NEEDS TO BE REMOVED AS WELL I HAVE PROVIDED THE NAME CHANGE LEGAL DOCUMENT TO UPDATE MY PERSONAL INFORMATION
Consumer complaint received 2022-10-12
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)

I have asked the credit bureaus respectfully, to fully investigate these accounts that do not belong to me. They have not been through with their alleged investigations and keep letting these accounts falsely report to my credit report.
Consumer complaint received 2022-06-13
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. (TN)

In accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C1681 section 602 A States i have the right to privacy.

15 U.S.C 1681 Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-03-15
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. (IL)

Today XX/XX/2021 I received an alert that XXXX XXXX placed an account on my credit report. Original creditor XXXX XXXX XXXX. I have no account or balance with the orginal creditor. Nor have I heard from XXXX XXXX. I havent received a demand letter or anything. This is not my account. Its either a mistake or these charges are fraudulent. I want this removed from my credit report immediately. Ive tried to dispute online with XXXX today, but I keep getting an error message. This is such an inconvenience. Also I tried calling XXXX and it doesnt give an option to speak with a live representative. I should be able to dispute something on my credit report without going through a 3rd party.
Consumer complaint received 2021-06-09
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)

I have been trying to create a XXXX account for the past several months, but I have been unable to create it due to lacking verification on Equifix : I sent in the require documentation to the address listed, which I was latter told was incorrect, and had to do send it once again to a different address, and I have been calling them frequently to see if they received the information, and now their telling me to send it in once again. I was later told I needed to make an account, but I am unable to do that as I need to once again send the information in.
Consumer complaint received 2022-06-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION (CA)

It has taken far longer than initially estimated to close on my home equity loan application and I have not been given an estimated close date from Navy Federal Credit Union. I am at a loss on how to complete this application and have already spent over {$500.00} on a home appraisal required to complete the loan. 

I have reached out to my loan processor and both of her immediate managers with no response on estimated closure dates. The only response I receive is that the loan is in final review with underwriting. 

I first applied for this loan on XX/XX/2022. Advertised processing time was 30-45 days but due to increased demand, loan processing was estimated to be 75-90 days. I am now over 150 days into this process. Due to statutory requirements, our credit has had to be rerun and income reverified due to these delays. Please help me resolve this issue, bring the needed attention to my application and compete this loan request. Thank you!
Consumer complaint received 2024-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (NY)

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 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.