davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-19
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. (NJ)

I filed a previous complaint after an unpleasant interaction with Transunion on XX/XX/XXXX. As a result of contacting them to have them remove inquiries not mine I also filed a XXXX complaint. The angrier I got about the lack of professionalism and service the more I started looking at laws for consumers. The last rep I spoke to mentioned an FTC report so I looked into it. Everything about it from the site seemed like what I needed to send over with the police report from having my info stolen. On XX/XX/XXXX I OVERNIGHTED a letter, ftc report, and original police report to Transunion and have confirmation they received it on XX/XX/XXXX. Today I check my email with the same nonsense they were regurgitating over the phone about me contacting the creditors. I AM CONTACTING THE COMPANY THAT HAS THESE THINGS LISTED! I also read around after hours on a XXXX XXXX that under the fair credit, if a person tells the bureaus that things on the report are a result of identity theft they have to remove it in 4 business days. Today is the 4th business day. So my understanding would be that if these things aren't gone by today Transunion is breaking laws and I have reason to sue them. I am tired of this back and forth I do not have the time to spend hours a day getting a company to do their job. I work in insurance and am way too familiar with the games big corporations play and not afraid to defend my rights.
Consumer complaint received 2022-08-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

On XX/XX/XXXX, I was scammed out of {$300.00}. I've reached out to XXXX because Zelle app is linked to my XXXX bank app, and they said I needed to settle this outside of XXXX. I've filed an online complaint about the scam through Zelle as well and have heard nothing back from Zelle directly. The situation was I am selling a piece of furniture on XXXX XXXX. The purchaser sent {$200.00}. Then I received an email from what looked to be Zelle stating that I have a pending payment of {$200.00} but I need to request an additional {$300.00} to create a business account. Supposedly, the sender sent the {$300.00} and I was to refund this {$300.00} to the sender and show proof to Zelle. I sent the {$300.00} from my bank account to this person. After that, I received another email stating I needed to send an additional {$500.00} to another person at Zelle for a Certificate Fee. The email addresses all ended XXXX, for both the person buying the couch from me and the person at Zelle. This is when I realized it was a scam and did not send the additional {$500.00}.
Consumer complaint received 2022-04-19
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: PENTAGON FEDERAL CREDIT UNION (NY)

>Multiple hard inquiries were pulled by Pentagon Federal Credit Union ( PenFed ) for same credit application using XXXX ( XX/XX/21 ; XX/XX/21 ) >Applied for HELOC with PenFed ( XX/XX/21 ) >Before applying was told full process takes approximately <60 days ( expected close around XX/XX/21 ) >Approaching 60 days, critical items remained undone, including the appraisal >Underwriters said credit score is good for 120 days, possible will need to pull again >To avoid being penalized for another hard inquiry, I authorized pull within 45 days of first >Credit was pulled 46 days after the first, falling outside of the shopping window >Received an email from PenFed Mortgage COO acknowledging their inability to provide the level of service and speed to close. Hiring people and working weekends ( XX/XX/21 ) >Closed the loan 89 days after application ( XX/XX/21 ) >I filed a dispute with XXXX but their automated process for inquiry disputes did not enable me to provide context, argument, or support >I called PenFed and bounced around 6 different agents resulting in my information being passed along to management for further contact
Consumer complaint received 2022-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Account Number XXXX XXXX, TRANSUION AND XXXX continues to report INACCURATE and UNVERIFIED balance on my Credit File. ACCOUNT # XXXX -- -- -I DO NOT OWE THE CREDITOR THE AMOUNT YOU'RE REPORTING THIS IS FRAUD!!!! The BALANCE IS A COMPLETE FRAUD!!! UNJUSTIFIABLE, UNVERIFIABLE, UNQUANTIFIABLE, NO PROOF This account HAS NOT BEEN PAST DUE FOR XXXX months and the Balance is WRONG Account Number XXXX NEEDS TO BE DELETED from my Credit File BALANCE IS WRONG, DELETE FROM MY CREDIT FILE, ACCOUNT IS MORE THAN XXXX YEARS OLD YEARS AND THE STATUE OF LIMITATION HAS EXPIRED The balance on this account is WRONG and a COMPLETE FRAUD XXXX, TRANSUNION AND XXXX continues to VIOLATE the Fair Credit Reporting Act
Consumer complaint received 2022-08-22
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. (DE)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-06-08
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: EQUIFAX, INC. (NY)

I wrote to all 3 companies about XXXX XXXX XXXX  collection on my credit report for XXXX. I had requested validation of this account being they claim it is verified. To adhere to my rights as a consumer, I have the right to see how they validated this account with a contract between me and XXXX XXXX XXXX  showing I owe them. Still to this day despite three requests of this, each company failed to respond with this proof. 

I had a account with XXXX starting in XX/XX/2013 when I moved to XXXX XXXX. I was not working and had {$500.00} in pa benefits, {$400.00} which went to rent leaving {$100.00} for bills and other needs. My XXXX  bill was in arrears starting XX/XX/2013. This never became current while I had this account. I did not have the funds and relied on heap to help prevent shut offs. Due to this, the law states debt is to not be reported after seven years of first delinquency, this is clearly a 9 year old debt. 

Approximately a year and a half ago I had applied for XXXX in XXXX for this bill owed and was APPROVED for full amount. XXXX was paid by XXXX. 

Which makes this debt invalid due to law of 7 years and it being paid. I do not owe.
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NM)

I accrued a debt to XXXX mobile in the amount of {$1000.00}. In XXXX of XXXX I was sold a refurbished phone under the guise of a new phone. Within 3 months the phone 's speaker quit working. Attempts to replace the phone or repair the phone were unsuccessful. I quit paying for the phone as I refuse to pay for a broken phone. 

In XXXX of XXXX the debt was reported for collections and it subsequently appeared on my credit report, which I did not dispute. 

In XXXX of XXXX XXXX AGAIN reported the SAME debt to Convergent Outsourcing. It is illegal to report the SAME debt repeatedly yet XXXX refuses to quit filing the same debt repeatedly.
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

I am providing this statement pursuant to 15 U.S. Code 1692 ( a ) ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1602, The term cardholder means anypersonto whom acredit cardis issued or a personwho has agreed with thecard issuerto pay obligations arising from the issuance of acredit cardto anotherperson.

REASONS : 1. Pursuant to 15 U.S. Code 1681 ( 4 ) that there is a need to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. By you reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of this law and The Privacy Act of 1974.

2. You are also acting as a debt collector attempting to collect a debt from me which is also a federal violation as well Pursuant to 15 U.S. Code 1692e ( 2 ) ( A ) ( B ) and 15 U.S. Code 1692e ( 7 ) ( 8 ) ( 10 ).

3. Pursuant to 15 U.S. Code 1681 ( e ) and all that apply, every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user prior to furnishing such user a credit report. No consumer reporting agency may furnish a consumer to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681 ( b ) of this title.

4. Additionally in compliance to 15 U.S. Code 1681 ( o ) ( a ) ( 1 ) any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the amount equal to the the sum of any actual damages sustained by the consumer as a result of failure.

5. As the consumer, original creditor and card holder I am demanding you to delete the account ( s ) listed below unless upon proof of claim is rebutted by sworn Affidavit under the penalty of perjury the following interrogatories : Was written consent or authorization given by me the consumer?

Was there not a violation of my privacy pursuant to The Privacy Act of 1974?

Are you not attempting to collect a debt from by alleging a debt is owed?

Am I not the consumer, original creditor and card holder.?

If you cant provide proof delete account ( s ) immediately. 


XX/XX/XXXX {$10000.00} XX/XX/XXXX XX/XX/XXXX {$1600.00} XX/XX/XXXX {$2700.00} XX/XX/XXXX, XXXX {$3900.00} XX/XX/XXXX {$3500.00} XX/XX/XXXX XX/XX/XXXX {$210.00} XX/XX/XXXX 2018
Consumer complaint received 2022-04-19
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. (GA)

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. 
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And all inquiries, 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.
Consumer complaint received 2024-09-12
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. (CA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-04-19
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. (MD)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.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.
Consumer complaint received 2022-04-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION (TX)

I opened a new personal Truist checking account under the Welcome {$500.00} Checking Offer XXXX ( XXXX ) on XXXX/XXXX/2022. 

Two Qualifying XXXX Deposits totaling {$1000.00} or more within 90 days of account opening were made on XX/XX/2022 and XXXX/XXXX/2022. 

Four weeks have based and I have not received the {$500.00} offer. 

I have contacted Truist twice and their foreign call center agents have been no help. 

The online offer tracking system says the my account was closed. My account is open and active.
Consumer complaint received 2022-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Specialized Loan Servicing Holdings LLC (AL)

On XXXX, XXXX 2022 I closed on a home at XXXX XXXX XXXX in XXXX AL XXXX. My lender was XXXXXXXX XXXX XXXX. About a month after I received a letter saying my servicer was going to be specialized loan servicing care of XXXXXXXX XXXX. All seemed well. I had a credit score of XXXX in XXXX of 2022. Recently, my only auto a XXXX XXXX XXXX finally reached the XXXX mile mark and I spent a few weeks looking for a reliable used auto. I contacted my bank to pull credit and the lender a firm XXXX XXXX XXXX XXXX XXXX ( my bank ) said that your credit report does NOT show any history from or for a mortgage that you are describing. All that we see is student loans in forbearance and credit cards paid as agreed. I immediately contacted Specialized loan servicing in XXXX, Colorado and they told me after a two month blackout we have been reporting to all three credit bureaus. I returned to XXXX and told them what I was advised by Specialized loan servicing. XXXX said sir, we have your credit report. They are NOT reporting anything. Your credit score is XXXX and that basically means we can only approve you for auto loans at 18 % interest. XXXX XXXX  when questioned told me I must submit a letter in writing detailing my concern. They have not provided any evidence that they ever provided any credit reporting data to any of the 3 major credit bureaus. Consequently, if I elect to purchase the vehicle 18 % interest on {$30000.00} is an incredible risky hardship on a depreciating asset. This causes me financial concerns and raises suspicion that this firm is a predatory lender.
Consumer complaint received 2021-10-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (MA)

To whom it maXXXX concern my name is XXXX XXXX I have a mortgage with United Bank we have gotten behind 4 months due to illness in the family the total amount is somewhere in the {$8000.00} range I sent XXXX in the balance is XXXX which they want paid by the end of the month I believe I can do that by borrowing etcetera however in doing a little investigation I find that I can't even sue the bank that Mr XXXX signed a law in saying that the bank is held harmless for anything it does so since they have Deep Pockets and the government has no teeth I really think you should represent The truth to people the bank 's win poor get poorer what I will be doing since I'm a small business owner struggling to survive is laying off employees so that I can make the payment and then those employees can go on the government Dole as you can see the system is crazy I guess I'm not asking for any help because you can't offer any what I'm hoping is that you would tell people that so that you don't instill false hope in people who can't come up with the money if they absolutely have to when their loved ones are sick my goal is just to get that information out do people who think they have rights where a bank is concerned big money has Wright 's small people don't simple as that we better start accepting that But now I see why the XXXX  are taking over the Congress they've had enough
Consumer complaint received 2023-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (CA)

Good afternoon as attachments below will have details of being removed several times i do not know why they continue to harass me and i will take legal action. 
dates and actions are below this description. 

REPORT NUMBER : XXXX DATE GENERATED XXXX XXXX DEBT COLLECTORS XXXX  XXXX & XXXX XXXX Debt Colletors ENHANCED RECOVERY CO L They have embarrassed me and toyed with my personal credit by selling these accounts multiple time as it has been removed
Consumer complaint received 2022-04-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I submitted A complaint with this company back in XXXX. They responded to the complaint stating I insurance A XXXX XXXX and A XXXX Buck which is incorrect. As stated prior I have NEVER had insurance with progressive insurance and these vehicles where not mine as I was A victim of identity theft which is a ongoing matter TODAY. This company ASSUMED these fraudulent accounts belonged to me when I am In data base showing as A ID fraud victim. H They have knowiny broken multple laws and violated my rights as A consumer. They failed to validate the debt within 30 days and although in the last complaint they said they would send validation they sent what would be considered in court as verification. They sent A billing statement which in no way shows I opened this fraudulent account. Again, I am requesting all credit reporting be removed and I will be moving forward with civil court to address this business as A whole. I have made it clear this account did not belong to me, Ive also never recieved debt validation nor do they have any proof that this account was indeed opened by me. When i spoke to progressive I was told the accounts where open online and they where unsure who opened the account and I have that on recording to play in court. This company will be sued if they fell to remove all of this inaccurate reporting ASAP!