davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I am submitting this complaint on my own there is no third party involved. I checked my TransUnion credit report to see a collection account from XXXX XXXX XXXX for the amount of {$410.00}. I have no knowledge of this collection account. I disputed this account with TransUnion and they keep saying the account is verified. I also see a closed Charge-off account from XXXX XXXX XXXX XXXX XXXX and XXXX report XXXX I have no knowledge of this account. I disputed this XXXX and XXXX and they keep saying the account has been verified. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the Credit Agencies are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts I listed above. 

Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts listed above.
Consumer complaint received 2022-07-04
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. (GA)

In accordance with the Fair Credit Reporting act XXXXXXXX Account # XXXX ( XXXX XXXX XXXXe I ) original creditor 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
Consumer complaint received 2022-07-04
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. (NC)

The three Credit Bureau : Transunion, XXXX, XXXX have fail to investigate my credit report with many errors per line per account. The credit Bureau stated my account was properly investigate but how is that possible if the open date is inaccurate, last date verified is inaccurate, last activity date is inaccurae, creditor type is listed with two different descriptions of the creditors, the account type is listed with two different descriptions, the history payments are inaccurate, closed dates are inaccurate for these accounts Account # XXXX XX/XX/XXXXl XXXX Account # XXXX USDA / XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XX/XX/XXXX Account # XXXX XX/XX/XXXX Collection Account # XXXX XX/XX/XXXXCollection Account # XXXXXX/XX/XXXX Collection This is grounds 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 1681 Section 604 Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-09-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.
Consumer complaint received 2022-08-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

On XX/XX/XXXX at XXXX AM, I was contacted by someone who wanted to make a business deal regarding using some of my XXXX XXXX for their art pieces on XXXX. The artist said that his client was wanting to pay {$2500.00} for this particular XXXX, and that it would be an 80/20 cut in his favor ( artist would receive {$2000.00} and I would receive {$500.00} ). He told me the client would send the check of {$2500.00} directly to me, and that I would send him his cut over Zelle to prove transparency. On XX/XX/XXXX, I was sent the check of {$2500.00}, and it went through on XX/XX/XXXX. By XX/XX/XXXX, the funds were fully processed and in my account. I sent the artist {$100.00} over XXXX XXXX ( which was refunded ), and then {$1000.00} and {$900.00} over Zelle on XX/XX/XXXX. As of Monday XX/XX/XXXX, I realize the check of {$2500.00} had been taken back, so therefore, I have been scammed out of {$2000.00}.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX data breech victim and fighting to have negative items removed. Please hold experian, XXXX and transunion responsible to remove fraud information. The below accounts must be removed by all agencies. 
XXXX XXXX ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
Consumer complaint received 2022-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (WA)

My Comenity Visa has been declined consistently over the past few days despite the account being in good standing. There may have been a charge the company flagged as " fraudulent, '' although it was not, but I have been unable to contact them via phone or their website to resolve this issue. My understanding is that I am far from the only one experiencing this problem with the company. Very frustrating, as several other accounts that depend on this card are failing now.
Consumer complaint received 2022-07-02
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. (AL)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXXXX/XX/XXXX, Account # XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights, 15 USC 1681 section 602 A states I have the right to privacy and it also states a Consumer reporting agency can not furnish an account without my written instructions
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: Experian Information Solutions Inc. (NY)

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 a right to privacy. 16 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 2022-11-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (TN)

Arvest Mortgage Services " merged '' with Arvest Bank several months ago. Since then I have been locked out of my online account and have attempted to gain access back my online account with no success. 

Arvest has had me email my state drivers license to verify my identity ( which I emailed on XX/XX/XXXX ) ; however, I get no response back. 

When you call Arvest 's customer service number they have a recording advising that they are still having issues with migrating the system and there is a lengthy hold time to reach a customer service representative. 

They give an option to pay in a branch office ; however, there the closest one is over an hour away. So I am stuck waiting on the phone and manually paying my monthly mortgage through an operator. 

No one knows what to do and no one knows when this issue will be fixed. It places me in a situation where it is difficult to pay my mortgage through traditional means.
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Hello and to whom this message may concern, The credit bureaus ; XXXX, XXXX, & Equifax stated my account was properly investigated but how is that possible if across my credit reports I still have inaccuracies : Personal Information - x XXXX inaccurate errors - Spelling of Name - Also Known As - Date of Birth - Current Address - Previous Address Debt Collection Agency XXXX XXXX CO XXXX x XXXX inaccurate errors - Account Type Detail - Monthly Payment - Balance - No. of Months ( terms ) - Past Due - Payment Status - Last Reported - Comments - Date Last Active - Date of Last Payment - XXXX Year Payment History ( XX/XX/XXXX - XX/XX/XXXX ) This is grounds for liability and/or removal. 

I wanted to reach out and get support for a remedy. These actions have stifled my ability to purchase a home and created multiple instances of inaccurate and defamatory account reporting against me. Every month from XX/XX/XXXX up to the present, I have been contacted by this debt collector and none of the bureaus supported my equitable action as required by law and use of diplomatic request to remove the inaccurate information being reported on my credit report. 

XXXX has been aware of this dispute regarding the accuracy of this information since XX/XX/XXXX at XXXX PM with XXXX tracking # XXXX. 

XXXX received the notice of personal information update from me on XX/XX/XXXX at XXXX PM with XXXX tracking number # XXXX. 

Equifax received the notice of personal information update on XX/XX/XXXX at XXXX PM with XXXX tracking number # XXXX. 

I have not received any information back from the agency or any of the bureaus regarding this. In the included PDF is evidence that I had made the effort to resolve this issue on my credit report without undue stress or drama but this XXXX XXXX CO or the credit bureaus have yet to follow the law! I'm reaching out to you for help because I understand that you can assist me in this matter.
Consumer complaint received 2022-07-02
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. (CO)

In accordance with 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 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. 

In accordance with the Fair Credit Reporting act XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX  Account # 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 in accordance with the Fair Credit Reporting act XXXX  Account # 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
Consumer complaint received 2022-09-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/2022 I made two payments to pay for a camera ticket using my debit card from TD bank to pay for the following ticket : XXXX for {$290.00}. The first payment for {$290.00} ; I believe was not processed therefore I submitted another payment in the amount of {$290.00}. Both payments were withdrawn from checking account. I called TD bank in regarding this issue ; I was told to call the XXXX XXXX XXXX to have second payment dispute or I have to await until the payments was process because they were pending. I called XXXX XXXX XXXX office ; I was told only one payment was withdrawn from my checking account. I explained to them two payments were withdrawn from my checking account. I called TD bank and inform one of the accountant, XXXX XXXX XXXX XXXX will not refund me the second payment of {$290.00}. I was told by the accountant the transaction is still pending, I have to await until XX/XX/2022 for the transaction to process then I can dispute. On XX/XX/2022, the transaction was removed from my checking account however the funds of {$290.00} was not dispute or refunded to my account. The funds of {$290.00} vanished. The XXXX XXXX XXXX Clerk or TD bank would not refund me the funds.
Consumer complaint received 2022-07-02
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Exeter Finance, LLC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX during the XXXX XXXX  which caused us to miss several loan payments. Exeter Financial was unwilling to work with us stating that the account was too new to help put a payment to the back of the loan. Unemployment Claims were delayed to the massive spike in claims which delayed our ability to make a payment. 

I have sent two letters asking for a Goodwill removal. I also stated, that I would be willing to make up any of the late payments to help with the removal of the late payment on my credit report. Exeter Financial unwilling to work out any solution. 

As a consequence, my credit rating took a XXXX point hit making it harder to get by in these trying economic times. 

All of our other creditors Placed a " Affected by Natural disaster '' on our report.
Consumer complaint received 2022-07-02
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 Account Holder : XXXXXXXX XXXX XXXXXXXX XXXX Monthly Payment : {$670.00} Loan Account number : XXXX Amount on Loan : {$17000.00}
Consumer complaint received 2022-06-07
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. (MI)

I tried to contact XXXX about reporting false information on my credit report that they refuse to update. This information is not accurate and hurting my ability to gain employment and credit. I know by law that they are only able to provide accurate and truthful information. I asked that the following inquires be deleted over 60 days ago. I contacted XXXX and one of their employees admitted on a recorded line that they did and will not do a fair investigation and report correct information.
Consumer complaint received 2022-06-07
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)

In accordance with the Fair Credit reporting act XXXX account # XXXX and Account no # 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 2022-06-07
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)

In accordance with the Fair Credit reporting act XXXX account # XXXX and Account no # 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 2022-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (FL)

I received an email saying my Apple Card was closed. I never missed a payment, never carried a balance and I always use it. They said I violated the terms of service and told me to read it. I read the entire terms of service and I got in touch with them and they said its internal they cant tell me why. My credit is perfect. They are purposely trying to ruin my credit. Im in the middle of a hike purchase and my credit is going to take a hit because they want me to pay higher interest rates or not be able to move somewhere better.
Consumer complaint received 2022-11-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

This complaint is regarding accounts. Per track, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported.
Consumer complaint received 2022-07-02
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. (NJ)

XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcy to anybody. '' So if that's the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 U.S.C 1681.

15 U.S.C 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 U.S.C 1681.

According to : 15 U.S.C 1681 Section 602 A States I have the rights to privacy.

According to : 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 According to : U.S.C. 1681s- ( 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 2022-09-08
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I've sent several letters out to XXXX XXXX XXXX  regarding the reporting of inaccurate information reported on my credit report and the impact it has on my ability to help my family. Tracking number numbers : XXXX However, the credit bureaus said they completed the investigation, and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; roles of construction. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates, of the consumer, reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to. 

How did they complete this investigation?