davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-01
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)

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX, ACCOUNT # XXXX XXXX XXXX, ACCOUNT # XXXX XXXX XXXX, ACCOUNT # XXXX XXXX XXXX XXXX XXXX, ACCOUNT # XXXX XXXX XXXX XXXX XXXXXXXX, ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX  XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2023-01-03
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: EQUIFAX, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2020-08-11
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. (NJ)

I filed chapter XXXX bankruptcy XX/XX/XXXX, that included the vehicle being reported as charge off on my credit report. I was dismissed from the bankruptcy the same year XX/XX/XXXX. The creditor report show charge off dates that are different years XXXX & XXXX. The payment history on account was delinquent 180 days past due as XX/XX/XXXX throughout XX/XX/XXXX as it changes frequently XXXX, XXXX, 90 days past due. The account was declared dismissed / charge off as bad debt effective XXXX XXXX. After several attempts to clear this matter now 8 year and 7 month old account its unsuccessful. According to the Fair credit reporting act this account should of been removed after the date of the first delinquency or the date of my XXXX to 10 years time last paid in bankruptcy. In the state of New Jersey its 6 years statue of limitation. I am 2 years and 7 months over. The creditor has change the information frequently when reporting to all XXXX creditor agencies and I believe this is wrong creating me hardships at this time.
Consumer complaint received 2023-01-03
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Im accordance with 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 the a consumer reporting agency can not furnish an account without my written consent.

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.
Consumer complaint received 2020-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Porania, LLC (FL)

it been 7 years now since my bankruptcy chapter XXXX. discharged. its on my pubic record showing on my 3 credit  reports. filing date XXXX. reference # XXXX. us bkpt ct fl XXXX XXXX XXXX.
Consumer complaint received 2023-01-03
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've contacted XXXX & they told me I've never missed a payment, yet Transunion refuses to remove me from being listed as late on XX/XX/21 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Transunion 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

XXXX XXXX
Consumer complaint received 2020-05-29
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: EQUIFAX, INC. (CA)

I have inquiries showing that I did not start or authorize. Im blue in the face for writing the credit reporting companies and they have not removed. I contacted XXXX and had them correct. They recommend I place a freeze on my XXXX  account which I did XXXX of 2019. I explained this and demanded all three agencies send me proof that they rechecked with XXXX, which none have done so
Consumer complaint received 2020-05-29
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. (CA)

I have inquiries showing that I did not start or authorize. Im blue in the face for writing the credit reporting companies and they have not removed. I contacted XXXX and had them correct. They recommend I place a freeze on my XXXX  account which I did XXXX of 2019. I explained this and demanded all three agencies send me proof that they rechecked with XXXX, which none have done so
Consumer complaint received 2022-07-13
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: Experian Information Solutions Inc. (PA)

On XX/XX/XXXX, I sent via certified mail copies of debt validation/verification letters to experian that I sent to XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX and XXXX XXXX XXXX XXXX They received these copies on or about XX/XX/XXXX. On or about XX/XX/XXXX, I sent the same letters along with a copy of new letters to Experian telling them that XXXX  XXXX XXXX XXXX, XXXX and XXXX XXXX failed to respond to my debt validation/verification letters, violated FCRA and FDCPA and asked for the debt to be removed from my credit report. Experian has failed to remove the debt. 
By law, if a company does not validate/verify the debt with me, it must be removed from credit report because to have it on there shows they are trying to collect a debt that they can not validate/verify. I was XXXX since XXXX due to these companies causing severe injury to my credit score and they can not even validate/verify the debt.
Consumer complaint received 2021-10-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC (VA)

During the beginning of the COVID-19 pandemic, I was paying my loan, as I was receiving the federal plus-up for my XXXX-induced unemployment. Once the federal plus-up ended, I was no longer able to make payments, So I went back to school to get my XXXX, and XXXX XXXX XXXX ( XXXX ), my former loan servicer, told me I could get it deferred while I was in school. They continued to lead me on until they placed the loan in default, and then told me they could no longer defer it, and then sold it off to another company ( Transworld Systems ), who is now asking for the payment in full, and harassing my XXXX year old grandmother for money.
Consumer complaint received 2022-07-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (CA)

I received a statement from On Line Information Services attempting to collect a debt with a total amount of {$420.00} that apparently stated I owe to XXXX XXXX I do not have any XXXX  account and I have never applied for any of their services. 
I called ON Line Services & spoke to XXXX. Apparently, I have same name as the original debtor but the address is in XXXX Texas which I have never resided. She then asked me to report a fraud or complete a fraud affidavit to be faxed or emailed to XXXX XXXX. Thus, I am filing my case with CFPB for fraud. 
Your help in resolving my case is greatly appreciated. Thank you.
Consumer complaint received 2022-07-13
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sunset Solutions Group, LLC (NM)

Received a threatening automated call on Monday XX/XX/XXXX from XXXX stating that legal action will be taken if I don't return their call. Received another call today XX/XX/XXXX. XXXX who called herself XXXX left a voicemail. I called the number she provided : XXXX. She answered and stated she was from Sunset Solutions LLC debt collections in regards to Payday loans. She informed me that my original loan was {$1300.00}. I had made payments up until XXXX and still owe {$410.00}. My loan appeared on her desk within the last few days. She informed me I need to make immediate arrangements or legal actions will be taken. She said she has a subpoena ready on her desk. I told her that I paid that off in full in XXXX. I also had another call back in XXXX for the same exact thing. I stated to her that I told the previous guy I paid it off and have a receipt. If he could give me the information to forward it, I would send him a copy and never heard back from him since. I told her " how do I know you are not fraud? '' She said she would sent me the emails and websites to prove they are legitimate. I told her I would have to go home and find a receipt, since it has been several years back and paid for I most likely shredded it. She said to return her call when possible and we could work something out by sending {$150.00} for the first payment if I didn't find the receipt. I called her back, she did not answer. 
I researched this on XXXX and it says it's a possible scam. 
I tried to get in touch with Payday loans, they are no longer in business in my area.
Consumer complaint received 2022-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

on XX/XX/2022 I sent off a certified letter to the bureaus stating to make sure my credit report was 100 % updated and make sure all info was correct. 

the credit bureaus stated account name and number was properly investigation but how is that possible if open dates is inaccurate the date last active inaccurate and date last reported is not accurate.this ground for removal.they also violated my rights under 15 U.S.C 1681 section 604 A section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions I haven't given these accounts written permission to furnish these accounts on my credit report as well. 

XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-01
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. (IL)

LISTED BELOW ARE ALL UNAUTHORIZED INQUIRES I HAVE INCLUDED IN MY IDENTITY THEFT REPORT WITH THE FTC. 

( XXXX ) ( XXXX ) XXXX XXXX ) ( XXXX XXXX ) ( XXXX  ) ( XXXX ) ( XXXX ) ( XXXX XXXX ) ( XXXX ) ( XXXX XXXX ) ( XXXX 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 2022-07-13
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: EQUIFAX, INC. (VA)

on XX/XX/2022 I sent off a certified letter to the bureaus stating to make sure my credit report was 100 % updated and make sure all info was correct. 

the credit bureaus stated account name and number was properly investigation but how is that possible if open dates is inaccurate the date last active inaccurate and date last reported is not accurate.this ground for removal.they also violated my rights under 15 U.S.C 1681 section 604 A section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions I haven't given these accounts written permission to furnish these accounts on my credit report as well. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-18
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2012 with a balance of {$0.00} -This is not my account.
Consumer complaint received 2019-05-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Finance Company, Inc. (NV)

I noticed on my Credit Report that I had 2 collections. I had not been contacted by anyone, I filed a dispute with XXXX XXXX. They claim that the info was correct. I contacted the first Creditor, XXXX XXXX XXXX ( collection company was XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ) They said that it was an open account and that I owed it. I could not find any record of my paying them, so I contacted XXXX XXXX XXXX and they said I owed {$180.00} I paid them that amount in full on XX/XX/19 Have a Conformation No. As of today XX/XX/19 still showing open account not paid. I contacted the 2nd Collection reporting creditor XXXX XXXX XXXX XXXX XXXX XXXX NV. XXXX Phone XXXX ( collection agency Professional Finance Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ) XXXX XXXX told me that this was for an Emergency Room visit, and this was my portion that the Insurance did not pay. I told them that I got the billing statement from them and made payments. They said that since I did not set up a payment plan with them they sent it to collections. They said that was for something else. I asked them to send me a Detail Billing of all  accounts, which they did. When I compared the Billing account with my Bank payments it shows that I paid the amount that XXXX  claims I owed. I also have monthly billing statements that XXXX  sent me showing that I was paying down the account. I sent copies of all of these things to XXXX in a 2nd dispute on XX/XX/19. They responded saying they talked with ( I'm assuming that they talked with both XXXX & Professional Finance ) and said that the account was still owed. I don't understand how they can come to that conclusion when I sent them proof showing otherwise. This should never have gone to collections to begin with.
Consumer complaint received 2024-11-04
Product: Credit reporting 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. (IL)

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. 
These are unauthorized and dont belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 
I looked at my Transunion credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate and with out my knowledge. And according to the fair credit reporting act Whenever a consumer reporting agency 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 according to 15 USC 1681 ( eXb ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) n generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed ( A ) in generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be venfied, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modity that item of information, as appropriate, based on the results of the reinvestigation ; and prompty XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nas been moomed or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2022-07-01
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. (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. 

XXXX COLLECTIONS : XXXX XXXX  XXXX XXXX XXXX NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX  ADDRESSES : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX INQUIRIES : XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020 COLLECTIONS : XXXX XXXX XXXX XXXX  XXXX EMPLOYER : XXXX XXXX EXPERIAN COLLECTIONS : XXXX XXXX  XXXX XXXX  XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2022-05-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

In XX/XX/XXXX i received a Insurance Check ( XXXX XXXX  ) to pay for repairs to my home because of the storm. I endorsed the check and submitted it to Bank Of America. The repairs never got done because the ( 5 ) contracting Companies I called all said it wasn't enough to cover the work. Since then I became XXXX and my home went into foreclosure and was sold at auction in XXXX. Bank Of America was the servicer but the home was owned by XXXX XXXX  I asked Bank Of America about the check and the Rep at the time told me they were gon na send to to XXXX XXXX. Throughout the foreclosure process I was dealing with a XXXX XXXX  Representative that came to my home every month who at the time told me that the check belongs to me because it came from my insurance Co and XXXX XXXX couldn't touch it they just want the home. I called Bank Of America a 2nd time and the next Rep told me they would send it to whoever purchased the home. I politely to them that the home was sold at Auction as is and the purchaser could not receiver additional funds. I called back a 3rd time and that Rep told me they were going to send the check back to my Insurance Co. I stopped calling about it because i knew i wasn't going to get the issue resolved. I recently thought about the check and decided to contact XXXX XXXX on XX/XX/XXXX. I explained the situation and i was told that they have no records of Bank Of America sending them the check. Unfortunately since the don't own the property anymore they could not escalate the matter. they advised me to contact Consumer Financial Protection Bureau. On the same day XX/XX/XXXX I also contacted my Insurance Co. at the time and they also said they have no records of Bank Of America sending them the check. They went on to say that they couldn't believe this happened and that the check belongs to me. I have the letter from Bank Of America dated XX/XX/XXXX that they have the Money in an account. I also have a copy of the check that the Insurance Co. recently sent to me showing that the check was cashed by Bank Of America on XX/XX/XXXX