davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This bureau reported misleading information and they trespassed my rights of privacy. They have failed to do their GRAVE RESPONSIBILITY which is to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. This is a direct violation of federal law. Their negligence has caused me distress and I'm seeking litigation.
Consumer complaint received 2022-07-24
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: EQUIFAX, INC. (TX)

XXXX has 3 accounts of my credit report. One that is active is fine and needs to stay. I need the 2 that are closed off my credit report. The old account is 9 years old and settled, it needs deleted. I am trying to purchase a home and this is hindering my ability to do this. There is another old XXXX  account that I am an authorized user of that is 20+ years old just on my equifax credit report, it is not mine, I do not know whos this is but it needs deleted.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2023-01-23
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. (CA)

I sent a letter asking XXXX, TransUnion, and XXXX to investigate my accounts. Here is my tracking number : XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - XXXX, TransUnion, and XXXX have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attach below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-01
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: Experian Information Solutions Inc. (CA)

I am seeking monetary release for the terrible treatment I have received from experience. From all 3 credit reporting bureaus.I have continuously requested that I do not be just by XXXX and that my credit school will properly show three real numbers. However, experience has been holding my credit score now for a long time now when I called a question why they said it was because of XXXX, which is not fair to anyone. They have now remove things that I took them. Were not supposed to be on my account. They keep making up excuses why they cant fix the numbers and its a computer is doing it and not send however, we werent using computers at first and theres no reason why I cant hear XXXX. Judge my number is it because Im a XXXX person is known as the XXXX peoples numbers down Id like to pay for my troubles. You can get a home cars anything and I know I have no debt at all!!! Fix this please. Why do they have so much power and theres no real way to dispute them. 
I never gave XXXX, XXXX or Experian permission to publish anything about me. They are constantly publishing false information. How do I go about suing the company for pain and suffering, for restricting my way of life.
Consumer complaint received 2021-07-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MA)

I was enrolled at XXXX XXXX in XXXX and they filed for bankruptcy and closed before I was able to complete my degree. In XXXX, Navient contracted XXXX to collect my defaulted student loan. XXXX reached out to me and offered to allow me to settle for less then the full amount. I did not have money at the time and asked if I was able to pay, if they would remove it off my report. They said Once Navient receives the money, they will take care of that. They told me I would have to make the payment by XX/XX/XXXX. I called around the middle of XXXX to ask for an extension, which they said an extension would mean they couldnt honor the settlement. I even called back the next week and told them I did not have the full {$2000.00} and if I could settle for XXXX and they again said no. On XX/XX/XXXX I called in and when I couldnt I paid the XXXX. They told me they would take the {$2000.00} and hold it for a month and then update my account accordingly. I have been calling at least 4 times a week begging for them to fix my report correctly so I can get approved for a home. Every time I call they give me attitude and tell me that I have to wait 30-60 days but its not XXXX. I kept telling them you guys are reporting it incorrectly and Navient did nothing but send me to a fake voicemail which I have left so many messages on and havent received not one call back. I decided to create an account with them and when I did it said that my account was still in default and I owed a past due balance. I have complained so much and Navient had not helped me at all.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently received a copy if my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a house for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2022-11-30
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: CURO Intermediate Holdings (IL)

This company has never been given consent by me to communicate with me regarding an alleged debt, nor to furnish information to my consumer report. Doing so, without my consent is an infringement upon my privacy and a direct violation of federal laws. 15 USC 1692c ( a ) as well as 15 USC 1681b ( 2 ). I am demanding that this company delete this account from my consumer report and Cease and Desist any and all communication with me as it relates to the collection of any alleged debt ( s ) by/through all means except for the United States Post Office . 

No consent is identity theft. I will also be filing a complaint with my states attorney general, Kansas 's state attorney general, the XXXX XXXX XXXX and the Federal Trade Commission. 

15 USC 6802 - Obligations with respect to disclosures of personal information ( b ) Opt Out : ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

This company violated my rights by not clearly and conspicuously providing me with the proper notices and information that would have allowed me to opt-out of having my non-public personal information shared with non-affiliated third parties such as XXXX, XXXX and XXXX. There has been a breach of duty, thus causing injury, embarrassment, shame and loss of both personal and business opportunities.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2020-12-04
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. (NV)

On XX/XX/2020 I've sent a disputes regarding to those unknown and inaccurate account I found on my credit report but over 30 Days today I haven't received a response. I was a victim of XXXX  Data Breach. I demand to Delete those account ASAP.
Consumer complaint received 2020-12-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AUTOMOBILE ACCEPTANCE CORPORATION (GA)

On XX/XX/XXXX, I called and spoke with A rep from Auto Acceptance trying to get clearance on a supposedly debt I have and a repo on my credit report that has me as a joint co owner. My ex husband XXXX XXXX had that loan and I did not authorize no one to list me as the co signer just because we were married at the time. I was only to be a reference. on XX/XX/2020 I spoke with a young lady name XXXX from auto acceptance that stated she couldnt find me in her system and then I told her it has me as cosignor and i gave her my husband name XXXX XXXX and she found it under his name. I believe they are trying to hold me responsible for his debt since i called them to clear my name and they couldnt prove to me that I owe this debt, then she said it must be in an old system that she cant access when I asked for paperwork again, so then she said to call XXXX  and I asked who are they and she said to just put in my ss # and it will direct me to the person that supposedly has that information. I was told to call XXXX press option 1, well I did that and I was transferred to mrs XXXX and for 2 days straight I got no answer and I left 8 messages between co workers and voicemail and i even put in 2 request for call backs. I called back and asked if I can speak with someone else and they said no. I asked does this person still work there and they said yes and they will send her an email to call me and still nothing as of today. I spoke with XXXX  and they refuse to help immediately because the account is still under dispute until XX/XX/2020 .I spoke with XXXX XXXX XXXX XX/XX/2020 from XXXX  i explained i couldnt verify this with the company and its affecting me getting a mortgage. He still refused to acknowledge FCRA, FDCPA & CFPB guide lines. I believe this is a scam or extortion on my credit report because no one can provide me any information on this matter or show my signature and drivers license with the original contract.
Consumer complaint received 2022-04-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synovus Bank (PA)

I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 
FSTPROGRESS, balance is {$540.00}, and account # XXXX.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2023-06-11
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. (NJ)

Dear CFPB, I am writing to file a complaint regarding a violation of my rights under the Fair Credit Reporting Act ( FCRA ) by the three major credit reporting agencies, XXXX, Experian, and XXXX. The specific violations of the FCRA include : Right to Privacy ( 15 USC 1681 Section 602 ) : The actions of XXXX, Experian, and XXXX have infringed upon my right to privacy as outlined in the FCRA. They have mishandled and disclosed my personal credit account information without proper authorization. 
Consumer Reporting Agency Obligation ( 15 USC 1681 Section 604 ( a ) ( 2 ) ) : Pursuant to 15 USC 1681 Section 604 ( a ) ( 2 ), XXXX, Experian, and XXXX, as consumer reporting agencies, have furnished account information without obtaining my written instructions. This action is in direct violation of my rights under the FCRA. 

Definition of Consumer Report ( 15 USC 1681a ) : The credit reports provided by XXXX, Experian, and XXXX do not fall within the definition of a consumer report as outlined in 15 USC 1681a. The reports contain information solely regarding transactions or experiences between myself and the entities making the reports and should not be classified as consumer reports subject to reporting and disclosure. 

Treatment of Payments on Credit Card Accounts ( 15 USC 1666B ) : The credit reporting agencies, XXXX, Experian, and XXXX, have inaccurately treated payments on my credit card accounts as late, which is prohibited under 15 USC 1666B. This treatment is in violation of the specific provisions outlined in the FCRA.
Consumer complaint received 2020-12-04
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. (MD)

XXXX XXXX keep reporting that I am behind on payment on a service that I dont even have with them. I have tried multiple months to dispute this with experian. I disputed this as soon as it hit my record in XXXX, then XXXX amd most recently XXXX experian says that XXXX XXXX keeps saying that its my account because XXXX XXXX keeps saying so. Thats not the case. I need this case resolved. I got denied a loan because of the negative impact that XXXX XXXX  keeps reporting. I called XXXX XXXX only not being able to talk to any of their fraud department because she calls kept dropping while being transferred from one agent to the next in middle of XXXX. I need help with this as soon as possible.
Consumer complaint received 2023-03-24
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX, XXXX, XXXX ; XXXX XX/XX/2021 ; XXXX XX/XX/2021.
Consumer complaint received 2022-12-20
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. (TX)

n accordance with the Fair Credit Reporting acts, 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 1. XXXX XXXX XXXX XXXX XXXX 2. DEPT OF ED XXXX XXXX XXXX 3. DEPT OF ED XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 6 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
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. (FL)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXX XXXXXXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-08-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (NV)

on XX/XX/XXXX I opened a money market account with Usbank in XXXX NV at ( XXXX XXXX XXXX XXXX NV XXXX ) I deposited {$220000.00} in a money market account that pays 4.25 % apy. and XXXX apr ..... I spent about one hour with a banker asking questions and I usually do that to avoid surprises ... and for 40 years been opening accounts like this and I know terms and conditions but to avoid untraditional terms I ask these questions about when the interset starts on the account ( the day we open the account ) do I get free checks... etc... I got all the needed answers and once the banker does not know an answer she runs to the manager XXXX XXXX XXXX for answers she was extremely helpful... and on XX/XX/XXXX I added to the account another {$25000.00}... I asked when the interset post to the account? I have been told about one business day before the end of the month .... 
on july 28/ 23 i stopped at one of the branches and I requested updates on my account they told me interest posted to the account is XXXX XXXXI asked for a quick print of the statement. I took the statement and I started my calculations simple interest calculation... 
{$220000.00} produce that much for the 5 days ( {$120.00} ) until I deposited {$25000.00} and both amounts {$240000.00} would produ XXXX for the rest of the 13 days I am short XXXX dollars... I tried to solve the problem... but the answer was sorry we started the interest on the day of receiving the money... but it was a discussion to solve the problem and we can not explain every thing in the terms given to you... but I asked and it was said and supposed to be the day of opening the account... so i closed the account the manager was very understanding saying I will raise your concern to the management about 13 days in the cycle and actually it is 4 days short .... in brief i did not get my full interest wich I am asking for fair reply and recuperate my full interset andto prevent more issues like this that goes unnoticed. thank you