davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-04
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)

I reached out to the company because I saw that multiple credit reporting agencies fraudulently obtained my information and fraudulently accessed my consumer reports and made entries to my reports. I also reached out to the Consumer Financial Protection Bureau, because pursuant 16 CFR 313, the Bureau must enforce Federal Law. I OPTED OUT, pursuant to 15 USC 6802, 12 CFR 1016.1, also making them aware of the violations committed against me were in violation of the Gramm Leach Bliley Act. The purpose of 12 CFR 1016.1, as disclosed by the congress, governs the treatment of nonpublic personal information about consumers by the financial institutions, that they listed. 

I also informed all consumer reporting agencies of them violating my privacy, pursuant to The Privacy Act of 1974, 5 USC 552a. Part b of 5 USC 552, states the conditions of disclosure, " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.

In accordance with the FCRA, 15 USC 1681 section 602, there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Equifax, XXXX, XXXX, XXXX and XXXX XXXX are consumer reporting agencies, and I am the consumer, to whom these consumer reports relate to. XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX are all financial institutions as defined in 15 USC 1681 section 604. None of these companies had my permission to disclose my personal nonpublic information, verbal nor written consent was supplied by me to these companies. Equifax, XXXX, XXXX, XXXX, and the companies listed above, verbal, non-verbal, written, implied or otherwise is revoked, pursuant to 15 USC 6802 ( b ) ( c ). 

XXXX, Equifax, XXXX, XXXX and XXXX XXXX, are also in violation of XXXX XXXX XXXX ( a ) ( 5 ), which states no consumer reporting agency XXXX make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

The admissions of the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX consumer file are violations of Federal Law, pursuant to 20 USC 1232g XXXX b ). The Family Educational Rights and Privacy Act is a federal law enacted to protect the privacy of student education records. FERPA protects public and private school records.
Consumer complaint received 2023-02-04
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. (PA)

I reached out to the company because I saw that multiple credit reporting agencies fraudulently obtained my information and fraudulently accessed my consumer reports and made entries to my reports. I also reached out to the Consumer Financial Protection Bureau, because pursuant 16 CFR 313, the Bureau must enforce Federal Law. I OPTED OUT, pursuant to 15 USC 6802, 12 CFR 1016.1, also making them aware of the violations committed against me were in violation of the Gramm Leach Bliley Act. The purpose of 12 CFR 1016.1, as disclosed by the congress, governs the treatment of nonpublic personal information about consumers by the financial institutions, that they listed. 

I also informed all consumer reporting agencies of them violating my privacy, pursuant to The Privacy Act of 1974, 5 USC 552a. Part b of 5 USC 552, states the conditions of disclosure, " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.

In accordance with the FCRA, 15 USC 1681 section 602, there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. XXXX, XXXX, TransUnion, XXXX and XXXX XXXX are consumer reporting agencies, and I am the consumer, to whom these consumer reports relate to. XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX are all financial institutions as defined in 15 USC 1681 section 604. None of these companies had my permission to disclose my personal nonpublic information, verbal nor written consent was supplied by me to these companies. XXXX, XXXX, TransUnion, XXXX, and the companies listed above, verbal, non-verbal, written, implied or otherwise is revoked, pursuant to 15 USC 6802 ( b ) ( c ). 

XXXX, XXXX, Transunion, XXXX and XXXX XXXX, are also in violation of XXXX XXXX XXXX ( a ) ( XXXX ), which states no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

The admissions of the Department XXXX XXXX and XXXX XXXX XXXX XXXX in my consumer file are violations of Federal Law, pursuant to 20 USC 1232g XXXX b ). The XXXX XXXX Rights and Privacy Act is a federal law enacted to protect the privacy of student education records. FERPA protects public and private school records.
Consumer complaint received 2019-06-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (SC)

Wakefield and associates are trying to collect on behalf of XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX has never sent me any form of communication prior to sending this debt to a debt collection agency! I call and spoke with a rep. At Wakefield and Associates who explained that this debt was from when I was seen last year at XXXX XXXX XXXX! At the time of service I informed the front desk that I was a 100 % disable veteran with health insurance through the va. In XXXX of 2018 I was sent a letter from a different debt collection agency that was trying to collect on this same debt! I contacted my health care va rep and spoke with a rep. In XXXX XXXX billing dept. who admitted that XXXX XXXX Billed the wrong dept. for the va she said that they billed the va for a dependent and not the veteran. Because of this error they assumed I was uninsured! I filed a XXXX complaint which I will include XXXX XXXX response. It seems that XXXX XXXX sold the debt to XXXX and they sent it to a collection agency without giving me proper written notification and just sent it straight to a debt collection agency I have never done business with!
Consumer complaint received 2023-02-01
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)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-02
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: Duncan Solutions, lnc. (CA)

They mailed me this letter back in XXXX. I called and told them I sold the vehicle. They now keep sending me threats that they will collet my taxes funds. The letter says I still had owned the vehicle when that happened. That is a false accusation though. Last year XXXX they didnt sent me this letter at all. Not sure why its XXXX and they now threatening me.
Consumer complaint received 2020-07-17
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CT)

Applied for mortgage refinance with XXXX XXXX XXXX  and the banker ( XXXX XXXX ) told me that Experian score was XXXX ( lower than the other 2 credit bureaus ) and that the SS number didn't match and the employee listed was XXXX yrs old. The end of XXXX I submitted a dispute to Experian asking them to recheck the XXXX XXXX accounts listed as still owed. These accounts were submitted to a collection bureau and all XXXX accounts have been paid off for more than 2 years. XXXX replied that the Info was correct and in the process of reporting it, all 3 credit bureaus interpreted the reply as new debts sending my scores to the pits. I lost the refi as a result. 
XX/XX/20 Experian XXXX XXXX  XXXX XXXX  XXXX XX/XX/20 Experian XXXX XXXX  XXXX XXXX & XX/XX/20 XXXX ) XXXX  XXXX There were no changes to my credit activity except the inquiry. Each of the 3 bureaus reports reflect good history. I reached out to all 3 credit  bureaus and they stated they could not do anything. How can I get this fixed without my scores getting another hit.
Consumer complaint received 2023-02-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

Please.Read the attached. This is a letter that explains everything it was sent to XXXX XXXX and COLUMBIA DEBT RECOVERY. During this dispute over {$1000.00} has been eliminated due to being unproven. 
A payment was made to XXXX XXXX  in XX/XX/XXXX about XXXXdays after i moved out XX/XX/XXXX. The apartments are saying they didnt get the payment but i showed proof. The collections agency and the apartments both refuse to accept my proof of payment even though it shows the amount paid {$1900.00}, date XX/XX/XXXX, who it was sent to XXXX  Receiver Code XXXX, how much was old after payment was made {$0.00}, it even shows my name XXXX. The apartments requested I go back to XXXX and request another receipt from XX/XX/XXXX. They say it's unclear which is false, they are striving to not continue to fix their inaccurate information and take money from me. I went to XXXX with the information you all provided me, the cashier put in XXXX 's reviever code, located the company account and I paid CASH to them and got the attached receipt. I am not responsible for the account/relationship between XXXX and XXXX XXXX. 
I asked the collections company to NOT put debt on my credit while in dispute as of XX/XX/XXXX they did anyway. XXXX told me they wouldn't send the acct to collections and the collections agency told me they wouldn't report it, once we resolved the dispute I could set up a payment plan which will keep it from my credit. Both Lied!
Consumer complaint received 2023-02-04
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. (FL)

In accordance with the Fair Credit Reporting act 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 602 A Section 2 : also states that a consumer reporting agency can not furnish an account without my written permission 14 U.S.C 1666 B : A creditor May not treat a payment under an open end consumer credit plan as late or delinquent for any purpose
Consumer complaint received 2020-06-28
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. (CA)

I applied for a XXXX credit card today XX/XX/2020 and i was not approved because apparently there are many accounts in negative standing appearing on my credit. I looked my credit report and I saw about nine accounts that do not belong to me. The accounts are from these companies XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I am not affiliated to any of these companies in any way and I never gave them permission to run or access my credit information. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I ever make any payments towards these accounts. I don't know who is responsible for opening these accounts in my name without my permission but I have already filed a police report.
Consumer complaint received 2023-02-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (WY)

On XX/XX/ a letter was sent to Debt Recovery Solutions, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX to attempt to validate a debt they have on my credit report in the amount of {$680.00} ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX ). The return receipt was signed for by what looks like a XXXX on XX/XX/ and the company has refused to validate the debt or send any information about the debt. This debt under law should be removed immediately from my credit report for their failure to follow the law.
Consumer complaint received 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I had my identity stolen ( I suspect by a family member ) and several fraudulent inquiries and other items appeared on my report. I filed an FTC report on XX/XX/22. I called and asked Experian to remove the inquiries and they stated they needed a copy of my FTC report. On XXXX/XXXX/222 I submitted a request to Experian by certified mail asking them to remove several fraudulent inquiries on my report. I also included the FTC fraud report. Tracking shows that they received this letter on XX/XX/22. The inquiries were not removed so I called Experian and they stated that refused to remove the inquiries because they were connected to a car loan on my account. I have reviewed all the inquiries and although they occurred around the same time that I purchased my vehicle, I did not initiate a credit application with the companies below and I do not have a car loan with any of these companies. I have had a family member who I suspect attempted to purchase a vehicle and other things in my name. I suspect it was a family member because of several other incidences that occurred with this same person, although I don't have any solid proof. It is unfair of Experian to refuse to remove these inquiries, especially since I have included an FTC report regarding the fraud. I have called over and over within the past few months and no one at Experian will help me. Again, I have not applied with nor have a loan with any of the companies listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX some of the inquiries occur repeatedly. I haven't gotten a car loan on any of these dates or with any of these companies so I don't see how they could be connected to any car loan of mine. Remove the fraudulent inquiries.
Consumer complaint received 2023-02-04
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. (NV)

XXXX XXXX Inquiry date XX/XX/2023 XXXX Inquiry date XX/XX/2023 XXXX Inquiry date XX/XX/2023 These companies are in clear violation of FCRA Laws and 15 USC 1681 Further, I did not give any written or verbal authorization for my credit report/profile to be accessed. These companies clearly with malicious intent tried to commit identity theft where my identity and privacy are guaranteed by both the FCRA and 15 USC 1681. ( Unauthorized used of SSN and credit information ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681n - Civil liability for willful noncompliance 15 U.S. Code 1681o - Civil liability for negligent noncompliance Please be advised that this is not the first request for remedy.

Should ALL my grievances NOT be addressed and deleted, the next step shall be federal litigation.
Consumer complaint received 2020-11-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (NC)

Shortly after closing my purchase in XX/XX/2020 I received a notice that the mortgage was sold to TMS. I received a request in XX/XX/2020 to provide an updated copy of my home owners insurance policy to TMS. Their system incorrectly showed my insurance policy expiring in XXXX. The letter indicated if I did not provide a copy they would secure their own policy after 30 days. They indicated the policy would most likely be at a higher cost than if I provided insurance. After providing a duplicate copy of the current insurance policy they followed up with a 2nd letter indicating my policy did not clearly identify the replacement cost coverage of the policy. The letter asked that I " please ask your insurance agent to provide us with the replacement cost calculations for your home ''. The letter did not indicate if this was a requirement or what would happen if I did not provide that information. It had been 2 weeks since the original letter so for all I knew they needed this information or they would procure insurance and charge me. After a quick conversation with my insurance company it is very apparent that TMS should know that the XXXX would not be provided. Fearing the worst -- that this is a requirement I can't meet, and therefore TMS would be purchasing insurance on my behalf, I called TMS. After explaining the situation TMS told me that providing the XXXX was not a requirement and that they were just highlighting the fact that my insurance policy replacement cost is less than my current mortgage balance. They indicated I am no longer in jeopardy of having TMS procure insurance. It would appear that TMS is trying to use me to get information they don't have access to in order to shore up their liability balance sheet. At best their kind intentions are horribly worded. At worst they're using a letter that threatens me with higher cost insurance and coaxes me into providing proprietary information.
Consumer complaint received 2023-02-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (OR)

In XXXX Wells Fargo XXXX XXXX into becoming default on my mortgage, and then refused to help me, and stole my home. 
When I first asked for assistance and proved why I needed it, they told me I would not qualify for a loan modification until I was in active foreclosure. 
They suggested that I become default on my loan, and then they could help me. I did what they said, and then they told me they wouldnt help me and I didnt qualify. At that point they informed me that I needed to pay all my back payments along with late fees. 
Obviously I could not do that since I was begging for a loan modification in the first place. 
These conversations were recorded, and when I asked them to please go back and listen, they told me they wouldnt unless I had the exact date and time of call. 
Wells Fargo set me up to steal my house, and at the time I complained, but they continued to lie and the complaint was closed. 
Apparently they were recently sued for these very practices that I am speaking of. I would like to see if my situation can be added to the lawsuit as it is very clear now that they were setting people up to fail, and I was one of them. I lost my house and had to file for bankruptcy because if it. 
Thank you for this consideration.
Consumer complaint received 2023-02-04
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. (NY)

Credit reporting agencies provided my information without my consent. 
XXXX XXXX XXXX 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 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section it states a consumer reporting agency can not furnish a account without my written direction or instruction.

15 U.S.C 1681c ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.