davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

I DID NOT GIVE US DEPT OF EDUCATION CONSENT TO REPORT ANYTHING TO ANY THIRD PARTY AFFILIATE THAT DOES NOT HAVE A BINDING CONTRACT WITH MY WRITTEN CONSENT TO REPORT MY NON PUBLIC INFORMATION. US DEPT OF EDUCATION FRIVOLOUS AND WILLINGNESS TO VIOLATE MY RIGHT TO PRIVACY HAS CAUSED A TREMENDOUS AMOUNT OF DAMAGE IN MY LIFE. IN PURSUANT TO THE GRAMM-LEACH BAILEY ACT I WAS NOT GIVEN THE NOTICE TO OPT-OUT OF THIS SHARING OF MY NON PUBLIC PERSONAL INFORMATION. I DEMAND THAT THE US DEPT OF EDUCATION HEREBY BLOCK THE ACCOUNT THEY ARE FURNISHING IN RESPECT TO PROTECTING MY PERSONAL INFORMATION AS IT IS THERE DUTY.
Consumer complaint received 2022-12-12
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: Experian Information Solutions Inc. (CA)

I am writing due to the Non-compliance of Experian and XXXX credit Bureaus. 

They failed to remove information affiliated with personal information hat were previously challenged and deleted. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold to the law
Consumer complaint received 2022-10-22
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: Experian Information Solutions Inc. (NC)

This is the several times I've complained about being a victim of identity theft. 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX Balance : {$200.00} ; XXXX  XXXX Balance : {$170.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$110.00} ; XXXX  XXXX Balance : {$300.00} ; XXXX  XXXX Balance : {$230.00} ; XXXX  XXXX Balance : {$420.00} ; XXXX  XXXX Balance : {$420.00} ; XXXX  XXXX Balance : {$420.00} ; XXXX  XXXX Balance : {$420.00} ; XXXX  XXXX Balance : {$100.00} ; XXXX XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$230.00} ; XXXX  XXXX Balance : {$230.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX XXXX Balance : {$120.00} ; XXXX XXXX Balance : {$120.00} ; XXXX XXXX Balance : {$120.00} ; XXXX XXXX Balance : {$600.00} ; XXXX  XXXX Balance : {$490.00} ; XXXX  XXXX Balance : {$850.00} ; XXXX  XXXX Balance : {$2100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$230.00} ; XXXXXXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 XXXX XXXX NC XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2022-12-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

I just received a copy of my consumer credit report and have found LVNV FUNDING LLC reporting on my consumer report for an amount of XXXX. I do not have a contract with LVNV FUNDING LLC, this is identity theft. I have never received communications from this company nor consented to any transaction or contracts with LVNV FUNDING LLC. This account needs to be immediately XXXX out and deleted from my consumer reports. LVNV FUNDING LLC has to stop immediately reporting to all consumer reporting agencies. This is identity theft! This is a violation of my consumer rights and willful and knowingly intent. If LVNV FUNDING LLC does not cease collections attempts and XXXX  out the balance LVNV FUNDING LLC will be charged XXXX for damages
Consumer complaint received 2022-09-19
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. (PA)

After careful review of my most recent consumer report it, it has been brought to my attention that XXXX XXXX XXXX XXXX  Account # XXXX, Amount {$17000.00} has violated my consumer rights. 

After review of the Fair Credit Reporting act XXXX XXXX XXXX XXXX has viloated several of my consumer right and also have reported inaccuracies on my consumer report. 

VIOLATION - 15 USC 1692 ( B ) VIOLATION - 15 USC 1681 ( 4 ) VIOLATION- 15 USC 1692F- UNFAIR PRACTICES VIOLATION- 15 USC 1681 ( B ) VIOLATION - 15 U.S.C 1681 ( A ) 5 I, the consumer has reached out to both the original creditor as well as the credit reporting agency on several occasions to recity this inaccuracy. I have also filed an FTC report informing the consumer reporting agencies that I have never held a account/contract or any form of communication with Fair Collections and Outsource. I have requested a investigation also be completed that was not accurtely done. 

Attached you will find several findings based solely off my research as follows : FTC affidavt, XXXX and XXXX letter, ID of consumer, copy of most recent credit report.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MN)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2022-06-06
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. (NJ)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

Was offered a loan by a scammer. Funds totaling twice the requested amount deposited into my checking account using a fraudulent third party check. Scammer asked to have the excess funds returned via wire transfer. I attempted this transfer three times, and the scammer deposited three additional fraudulent third party checks. This took place over two days. I called my bank to report this fraud. 

On the third day, the bank discovers the checks to be fraudulent - no endorsements, incorrect routing number, issued by a third-party unaware of her name being used, and from a bank that doesn't exist! 

Bank refuses to consider this fraud because I attempted to " spend '' the money by returning it via wire transfer. The only money spent from the checking account had real money to back up the debits. 

Despite my constant calling and filing of complaints, the bank refuses to submit this to their fraud department and the FDIC because the checks were deposited via a mobile phone with my account and the bank 's routing numbers on non-standard deposit slips. That there was no signature endorsement, the checks being third party from a bank which doesn't exist, from a party who did not know she was being scammed as well, doesn't seem to matter to my bank.
Consumer complaint received 2022-09-19
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. (MI)

In accordance with the Fair Credit Reporting act 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 2022-12-11
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (CA)

Freedom Mortgage violates Section 6 of the Uniform Covenants of our Subordinate Deed of Trust. ( Attached Security Instrument, page 3 of 7, paragraph 1 ).

Details below.

1. Conformed copy of the Note and Subordinate Deed of Trust is to be provided to homeowners XXXX  per the aforementioned section of the Security Instrument. 

2. On XX/XX/2022, after receipt of Courtesy Notice from XXXX XXXX XXXX XXXX XXXX, homeowners request Freedom via their online Portal for the conformed copy of the Note and Subordinate Security Instrument. 

Almost two months in tow from recording date of XX/XX/XXXX, XXXX NO DOCUMENT is in sight. 

3. On XXXX XXXX, Freedom also advised via their online Portal, that XXXX XXXX XXXX is the SERVICER of the Partial Note. ( See attached ). However, almost two months in tow, homeowners DO NOT receive correspondence from XXXX Servicer to notify us of their engagement in servicing partial claim Note
Consumer complaint received 2022-12-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (GA)

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

I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

Inaccurate/Fraud Account ( Not mines ) Account name : XXXX XXXX XXXX : Credit Collection Services 15 U.S.C. 1681 section 602A States I have the right to privacy 15 U.S.C. Section 604A Section 2 It also states a consumer reporting agency cant furnish a account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make many consumer report containing of the following items of information Any other other adverse item of information other than records of convictions of crimes antedates
Consumer complaint received 2022-12-11
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. (MD)

15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Consumer complaint received 2022-11-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was a victim of the XXXX data breach and was given notice that my info indeed was affected. Due to the breach, I believe these following accounts were opened fraudulantly. 
I hav filed a complaint and also a claim to XXXX. 

XXXX XXXX XXXX {$1000.00} Account XXXX XXXX XXXX XXXX XXXX {$1400.00} Account XXXX XXXX XXXX XXXX XXXX {$790.00} Account # XXXX XXXX {$3500.00} AccounXXXX XXXX XXXX I have filed and disputed these erroneous accounts but, I have not seen the accounts deleted. My life has been diificult due to XXXX and not able to get financing to survive due to these negative accounts on my credit report. I ahve enclosed the XXXX claims form. 

I would like these accounts deleted off my credit reports.
Consumer complaint received 2022-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (LA)

As of or around XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX all reported XXXX XXXX XXXX  Account collections as closed, Charged off, and Deteted from credit report. 

Nevertheless, on XX/XX/XXXX XXXX the same XXXX XXXX XXXX  Account {$930.00}. REAPPEARED, on credit report by collection agency LVNV FUNDING LLC, showing inaccurate information, account as OPEN, with opening date for XXXX, XXXX, missed payment history for 1 month affecting my eligibility to move forward with my credit repair in which I pay hefty too bring to good/ excellent standing. 
All information had been disputed with all Bureaus who informed me of the ACCOUNT CHARGE OFF & DELETION IN WRITING. 
This is against the law for collection agencies to not only report false information, inaccurate information, inaccurate Missed payments, fraudulent information when buying these accounts affecting someones life. But reopening Charged Off, Deteted Accounts, with Misinformed missed payment history.
Consumer complaint received 2022-06-06
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

I contacted XXXX after several failed attempts as they are a very hard company to get ahold of to set up an online account then contacted them trying to make payments over the phone which they refused to take at the time. It was the most painful process I have ever been through until they finally tweaked their system. While all that was going on it was hard to get the payment to them. Then the XXXX strike hit, as where i am a XXXX XXXX XXXX who is is mostly paid by commission on our shops month end. Well with XXXX on strike we could not get parts in to fix cars which reduced my pay tremendously. Then COVID hit shutting the world down. I had called and spoke to XXXX credit where they told me there would be zero late marks added to the credit report and were supposed to push my payments out so they would not be past due and were not going to hold me responsible for prior late payments due to strike. I have disputed several times and everytime they refuse to remove the late payments although there were supposed to be ZERO due to COVID. As I am finally pulling myself up out of the hole these negative remarks are really wreaking HAVOC on anything i am trying to do. I request that these past due payments get deleted from all XXXX credit bureaus.
Consumer complaint received 2022-06-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

I contacted XXXX after several failed attempts as they are a very hard company to get ahold of to set up an online account then contacted them trying to make payments over the phone which they refused to take at the time. It was the most painful process I have ever been through until they finally tweaked their system. While all that was going on it was hard to get the payment to them. Then the XXXX strike hit, as where i am a XXXX XXXX XXXX who is is mostly paid by commission on our shops month end. Well with XXXX on strike we could not get parts in to fix cars which reduced my pay tremendously. Then COVID hit shutting the world down. I had called and spoke to XXXX credit where they told me there would be zero late marks added to the credit report and were supposed to push my payments out so they would not be past due and were not going to hold me responsible for prior late payments due to strike. I have disputed several times and everytime they refuse to remove the late payments although there were supposed to be ZERO due to COVID. As I am finally pulling myself up out of the hole these negative remarks are really wreaking HAVOC on anything i am trying to do. I request that these past due payments get deleted from all XXXX credit bureaus.
Consumer complaint received 2022-06-06
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Kinum, Inc., Indianapolis, IN Branch (GA)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Kinum , Inc. Account # XXXXReference # XXXX, Kinum, Inc. Account XXXX U601975D77****Reference # XXXX, Kinum, Inc. Account # XXXX Reference 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 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 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt.

15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt.

15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
Consumer complaint received 2022-06-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I contacted XXXX after several failed attempts as they are a very hard company to get ahold of to set up an online account then contacted them trying to make payments over the phone which they refused to take at the time. It was the most painful process I have ever been through until they finally tweaked their system. While all that was going on it was hard to get the payment to them. Then the XXXX strike hit, as where i am a XXXX XXXX XXXX who is is mostly paid by commission on our shops month end. Well with XXXX on strike we could not get parts in to fix cars which reduced my pay tremendously. Then COVID hit shutting the world down. I had called and spoke to XXXX XXXX  where they told me there would be zero late marks added to the credit report and were supposed to push my payments out so they would not be past due and were not going to hold me responsible for prior late payments due to strike. I have disputed several times and everytime they refuse to remove the late payments although there were supposed to be ZERO due to COVID. As I am finally pulling myself up out of the hole these negative remarks are really wreaking HAVOC on anything i am trying to do. I request that these past due payments get deleted from all XXXX credit bureaus.
Consumer complaint received 2022-06-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (NY)

My American Express serve card was used at an ATM to withdrawl {$500.00} with out my consent another charge of {$0.00} ATM declined fee was charged as someone attempted to withdrawl more funds on XX/XX/2022 at XXXX am I called American Express at XXXX when I realized someone used and attempted to withdrawl money. They sent me a declaration of fraud form I submitted this on XX/XX/2022. On XX/XX/2022 American Express sent an email saying that my dispute was declined. 
This is not correct and I believe that American Express stole my money as my card is still in my possession and I wasnt in the area of this ATM when it was used.