davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting act, TransUnion, XXXX, and XXXX consumer reporting agencies has violated my rights. 
15 U.S.C. 1681 section 602 A, A ( 4 ) states I have a right to privacy.

15U.S.C. 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-11-12
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)

It has been incredibly distressing to find out that I've fallen victim to identity theft. My personal information was misused, leading to unauthorized accounts and activities showing up on my credit reportaccounts that I had absolutely no connection to or knowledge of. Understanding the gravity of the situation, I took immediate action. TransUnion advised me to file a report with the Federal Trade Commission ( FTC ), which I promptly completed. I then sent this report, hoping to resolve the issues swiftly and remove the false items. Yet, despite these efforts, the fraudulent entries remain on my report, causing continued frustration and concern over the impact this could have on my credit and financial well-being.
Consumer complaint received 2022-07-03
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: Experian Information Solutions Inc. (GA)

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

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

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

15 U S. C 1681 section 602 A states I have the right to privacy 15 US. C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-03
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. (VA)

I recently received a copy of my credit report, and I noticed some late payments posted on my credit report : XXXX XXXX {$0.00} Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Consumer complaint received 2022-07-03
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: ID Analytics, Inc. (FL)

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FLORIDA XXXX TO WHOM MAY CONCERN : I XXXX XXXX XXXX consumer, and natural person am aware of all my rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. Has violated my federal protected consumers rights to privacy and confidentiality under 15 USC 1681. As a reporting agency that assumed the role of assembling and reporting and equitable. XXXX, illegally obtained personal information and private information and sold it to XXXX. I did not grant XXXX written permission to sell my my information to the highest bidders. 

As consumer and natural person, I am invoking specified remedy and make the following demands : Cease and desist reporting to all consumer reporting agencies. 
Remove reporting of the account name filings from all consumer reporting agencies.

Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of FCRA. 






I sent letters to XXXX, XXXX, XXXX XXXX XXXX XXXX to cease and desist giving my personal information. they are still giving my personal information even though i sent certified letters to each of them.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

i have disputed these items and i havent received any documents or results from their investigation and it has been more than 60 days. the only information received was that they verified the bankruptcy with the court and thats a lie. i submitted the court letter i received from court and i still didnt get the items deleted.
Consumer complaint received 2022-07-03
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: Experian Information Solutions Inc. (VA)

I recently received a copy of my credit report, and I noticed some late payments posted on my credit report : XXXX XXXX {$0.00} Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Consumer complaint received 2021-01-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (MO)

In XX/XX/XXXX, I began construction on a new home and the loan for construction with XXXX XXXX XXXX XXXX XXXX XXXX was secured by both my original home, XXXX XXXX XXXX XXXX, XXXX 's Summit, Missouri and my new home under construction, XXXX XXXX XXXX XXXX, XXXX 's Summit, Missouri. 

After construction was complete in XX/XX/XXXX, I sold my original home ( XXXX XXXX XXXX XXXX XXXX. In XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX transferred the servicing of my mortgage to XXXX. ( Also, I work at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

In XX/XX/XXXX, XXXX paid real estate taxes from my escrow account for both of the properties that secured the original construction loan. They paid {$1000.00} for my current address that secures my mortgage ( XXXX XXXX XXXX XXXX ) and they paid {$1500.00} for the real estate taxes on the property I no longer own ( XXXX XXXX XXXX XXXX XXXX. I contacted XXXX through their secure messaging service when I noticed the error on XX/XX/XXXX and again on XX/XX/XXXX. They replied saying that they would research the problem. After a week and noticing no change in my escrow account, I called XXXX 's customer service line. The representative said that it was an error and that she would forward my complaint to their escrow department to research and the problem would be resolved in XXXX business days. 

I received a message on XX/XX/XXXX from customer service saying that the problem would be researched and would be resolved within XXXX business days. 

On XX/XX/XXXX, I sent another message to XXXX through their secure messaging system. 

On XX/XX/XXXX, I emailed the loan servicing department at XXXX XXXX XXXX XXXX XXXX XXXX to see if they could help to resolve the issue with XXXX. My issue was forwarded to XXXX 's client services. 

On XX/XX/XXXX, the extraneous property was removed from the escrow section on my online XXXX account, but the money that was spent on the wrong real estate taxes ( {$1500.00} XXXX has not been returned to my escrow account. 

I worry that XXXX has no interest in resolving the problem, since I have little recourse.
Consumer complaint received 2022-07-03
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2022-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act : XXXX  - Acct # XXXX XXXX XXXX - Acct # XXXX XXXX XXXX  - Acct # XXXX XXXX - Acct # XXXXXXXX XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX - Acct # 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 2022-07-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (VA)

Credit Management LP has reported an inaccurate address on all three credit bureaus as well as reported different account numbers ( the four digits of account numbers provided to each credit bureau ). The last payment for the collection is XX/XX/2021 and the first date of delinquency is listed as XX/XX/2021 which is inaccurate - I have never lived at the reported address nor have an open account with the original creditor during this time period ( furthermore I have a credit alert on all 3 bureaus and any new accounts should have been confirmed with me before opening ). I have disputed with XXXX and XXXX on XX/XX/2021 - both bureaus have contacted Credit Management LP which is still certifying that the inaccurate information is valid. XXXX responsibly removed both the address and the collection account after verifying the reported address was not tied to any other of my accounts. All three credit bureaus have deleted the fraudulent address reported by the collection agency, however XXXX and XXXX will not effectively do their due diligence to look further into the other inaccuracies reported.
Consumer complaint received 2022-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: WELLS FARGO & COMPANY (MA)

On XX/XX/XXXX my boat was hauled by XXXX XXXX XXXX for urgent repair on XXXX bent propeller blades. These blades were not broken or cracked but just bent ( one about 10 degrees and the other 20 degrees ). The boat bottom was clean as it had just been launched XXXX weeks before.One worker asked the owner ( XXXX XXXX ) if he should power wash and was told " no '' the bottom is clean.The props were sent to XXXX and XXXX prop repair and were returned in 2 days and put back on the boat. I had XXXX XXXXXXXX XXXX lined up to take the boat from there to XXXX XXXX XXXX ( XXXX XXXX ) XXXX refused to launch the boat until fully paid. The only way I could do that was with my credit card ( Wells Fargo ). Having done that I latter called XXXX and spoke with XXXX ( accounting ) offering to send a check for the bill if they would refund the 3 % charge for using the card. She said she researched it and that the charge was permanent and could not be reversed. In reviewing the invoice I noticed a charge for {$400.00} for power wash which XXXX XXXX said not to do. In addition {$2600.00} to recondition 2 slightly bent props seemed like a very high price for the work done.I called the prop shop ( XXXX and XXXX XXXX XXXX XXXX ) and requested a copy of the invoice they had submitted to XXXX. They flatly refused and said " I don't know what they billed you, but we can't share what we billed them ''. I consulted 2 reputable prop shops in XXXX XXXX Ma. with photos and they estimated $ XXXX {$1600.00} for the job.Therefore I feel I should be credited {$400.00} for an unnecessary power wash and {$1000.00} for an inflated repair bill. In addition I disputed this with Wells Fargo on XX/XX/XXXX and it has yet to be resolved
Consumer complaint received 2022-07-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (WI)

For several months now, I have been trying to receive a refund of my escrowed taxes from the previous holder of my home 's mortgage, NewRez LLC dba Shellpoint Mortgage Servicing. I have previously requested and received the assistance of the XXXX  of Upstate South Carolina, as well as the Wisconsin Department of Financial Institutions. NewRez, however, has stopped communicating. I am hoping that contact from your office will reestablish a dialogue with them. 

My complaint is as follows : NewRez indicates that they paid {$2300.00} in taxes from my escrowed funds to satisfy my XXXX tax bill. The county treasurer has indicated that they had received NO payment of my XXXX taxes, until *I*, ( not NewRez ), paid this bill myself. 

If NewRez DID in fact send these funds, then the fault lies with the county treasurer 's office, in which case I will pursue the matter with them directly. 

If NewRez DID NOT send these funds, then the balance of my escrowed funds, {$2100.00}, ( a total of {$190.00} has already been refunded ), is still owed to me. 

I am simply requesting either ***PROOF OF DISBURSEMENT OF FUNDS*** to the XXXX County Treasurer 's Office in payment of my XXXX property tax bill or a REFUND of my escrowed funds.
Consumer complaint received 2022-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions.

The following Accounts : Loan Lender : XXXX XXXX Loan Amount : {$28000.00} Account # XXXX
Consumer complaint received 2022-07-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

in accordance with the fair credit reporting everything has to be 100 % accurate on my credit report. 
the credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. this ground for removal they also violated my rights under 15 u.s.c 1681 section 602 a. states i have the right to privacy.

15 u.s.c 1661 section 604 a section 2 : it also states a consumer reporting agency can not furnish account without my written instructions also the credit bureaus took more than 30 days to complete my investigation here is my cerified tracking number
Consumer complaint received 2022-07-03
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: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting act, 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 a account without my written instructions
Consumer complaint received 2022-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting act, 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 a account without my written instructions
Consumer complaint received 2021-09-23
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. (MN)

In XXXX I paid off the remaining balance of a student loan serviced by XXXX XXXX/XXXX XXXX . Following the pay off, the lender incorrectly reported the account as closed due to a charge off. This of course triggered a massive drop in my credit score and alerts from all the agencies. I disputed it and then contacted the lender to sort it out. XXXX did an internal investigation and review and determined that they had made a mistake and this was their fault and they would inform the credit agencies of the mistake and to strike the charge off from my record, they sent me a letter to this effect. 

I submitted the dispute to all the agencies ( thus far only XXXX has updated and removed it ). XXXX has not completed the dispute yet. Experian has refused to change my report. I have filed, and had rejected, 7 disputes so far on this item with Experian. I've provided the letter from the creditor, and the creditor ( XXXX ) has stated to them several times that this was a mistake. Experian continues to refuse to accept the change and denies all of my disputes.
Consumer complaint received 2022-07-03
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: EQUIFAX, INC. (IA)

In accordance with the Fair Credit Reporting act XXXX  account # XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-03
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. (FL)

On XX/XX/XXXX XXXX file dispute with each credit report agency XXXX, XXXX and Transunion. I reached out to them because of inaccurate information that is being reported. I had a account with XXXX consumer which was open on XXXX XXXX I have suffered a lot with that company they increased the payment that I should be paying each month when the account wass open without informing me and then covid came in I lost my income due to an injury the account was not in a charge off state and it closed XX/XX/2021 but I have noticed that the credit agency 's keep reporting it as Charge off even though the account was closed and that is illegal according to the FCRA 623 provisions. 

The dispute was completed and the only thing XXXX did was update the information after I requested it to be deleted from my report. 

If you take a look at the attached information on my credit you will see that information is on my credit but no payment history on Transunion but have a charge off the information is not reported accurately and I need it removed that's utterly ridiculous and it's causing confusion. 

According to the FCRA Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, 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 verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


After the investigation has been completed and the account removed from my credit I would like for each XXXX, XXXX and Transunion to send me an updated report of my credit after the investigation has been complete.
Consumer complaint received 2022-07-03
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX open on XX/XX/2020 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