davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-15
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. (CA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : XXXX collect XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX  XXXX XXXX XXXX, Department of EducationXXXX 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 an account without my written instructions. 

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX : XX/XX/1989 Last 4 of social : XXXX To whom it may concern, There is an ID Fraud Alert listed on my credit file, it was placed on my file on XXXX as of XXXX I no longer need this fraud alert or Extended Alert listed on my file, I have attached a notarized copy of my address. 

Thank You, XXXX XXXX
Consumer complaint received 2023-03-15
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX #, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX, Account name : XXXX XXXX Account name : XXXXXXXX XXXX Account name : XXXX XXXXXXXX, Account name : XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-11
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. (IL)

I am concerned about the validity and accuracy of your recent investigation of the accounts reporting on my consumer report : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Three months ago, I requested an investigation because these items are not being reported accurately. I received communication stating that your investigation was complete. As per 15 U.S.C 1681i ( 6 ) ( B ) ( iii ) I am requesting a description of the procedure used to determine the accuracy and completeness of the information. This would include but not limited to : 1. The name of the agent you spoke with to confirm the accuracy of what you are reporting as well as the name of your agent that spoke with said party. 
2. The time and date on which the communication took place. 
3. All if any certified documents reviewed to conclude your investigation. 
4. A complete copy of all of the information transmitted to the data furnisher as part of the investigation. 
5. Proof of your timely procurement of certified documents.

6. Copies of all correspondence including any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the accounts in question. 

In accordance to 15 U.S.C.1681i ( 7 ) A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

A template response will not be acceptable. Take note, these erroneous entries have been detrimental to my overall credit rating and have caused me severe financial and emotional distress.
Consumer complaint received 2024-10-04
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Bridgecrest Acceptance Corporation (GA)

I am writing to dispute the recent repossession of my vehicle, XXXX XXXX XXXX which occurred on XX/XX/XXXX. This repossession was conducted in violation of several federal laws, including the Fair Debt Collection Practices Act ( FDCPA ), the Truth in Lending Act ( TILA ), and the Fair Credit Reporting Act ( FCRA ) ( as follows below ) : My vehicle was illegally repossessed without any communication regarding my loan or an attempt to work with me to resolve my financial issues. This act of repossession has caused me significant emotional distress, financial strain, and disruption to my daily life as well as loss in employment opportunities to increase income. This is a direct violation of 15 U.S. Code 1691e, 15 U.S. Code 1691c, 15 U.S. Code 13, and 15 U.S. Code 1691. FDCPA Violations Specifically, I allege that your company has violated the following provisions : Failure to provide adequate notice : I did not receive proper notice of the repossession. Under 15 U.S.C. 1692g ( a ), debt collectors must provide consumers with a written notice containing specific information about the debt, including the amount owed, the date by which payment is due, and the consumer 's right to redeem the repossessed property. I did not ever receive this notice even after my vehicle had already been taken. Use of deceptive or misleading tactics : Your company 's representatives made false or misleading statements about the repossession ; Your repossession towing service- XXXX XXXX XXXX XXXX did not identify themselves-which was very dangerous and could have resultedi n loss of life.
Consumer complaint received 2022-07-30
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. (GA)

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 a account without my written instructions.
Consumer complaint received 2022-07-30
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 1666B : A Creditor may not treat a payment on a credit account under an open en consumer credit plan as late for any purpose.
Consumer complaint received 2020-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX reported a balance that is incorrect. A charged posted to my account from a card that was closed due to fraud and disputed. I spoke to several managers stating that this is being handled by the security team and would not report the amount affected by dispute to the credit bureau. I explained I was in the process of closing in a house and the last representative I spoke with assured me the credit limit would display in dispute and would report the amount. This card was closed and the merchance XXXX was disputed and new charges should not have been posted and affecting a negative impact on my credit limit or credit report. I called 4x about this issue and keep being told the security team will handle it and there was a note stating that I would be receiving credit
Consumer complaint received 2022-07-30
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. (MN)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items that needs to remove in my file : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX  XXXX Balance Owed : {$6100.00} ; XXXX  XXXX Balance Owed : {$2700.00} ; XXXX  XXXX Balance Owed : {$5000.00} ; XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2400.00}.
Consumer complaint received 2022-07-30
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. (MN)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items that needs to remove in my file : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX  XXXX Balance Owed : {$6100.00} ; XXXX  XXXX Balance Owed : {$2700.00} ; XXXX  XXXX Balance Owed : {$5000.00} ; XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$2400.00}.
Consumer complaint received 2022-07-28
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. (NC)

This is XXXX XXXX XXXX, and I appreciate you taking the time to repair and update some accounts from my credit report ; however, there are still accounts that needed to be corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are fixed. 
USDOE/XXXX XXXX Balance : {$0.00} ; USDOE/XXXX XXXX Balance : {$0.00} ; USDOE/XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-07-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe (CA)

ConServe, a debt collection company, sent a letter dated XX/XX/2022 to my employer ( XXXX ) to garnish my wages for a debt in the amount of {$1400.00} that my father, who has the same name, had incurred with the U.S. Department of Interior XXXX Bureau of Land Management in XXXX OR where my father owns a piece of land that he had a contract for access rights. I do not own any land in OR nor have I ever been to XXXX, OR, and I was not a party to this debt in any way. 

ConServe took this action against me without a court order and without notifying me in advance of the existence of this debt, as all previous correspondence had been sent to my father. I became aware of this letter on XX/XX/XXXX when XXXX payroll sent me an email about it. I spoke with representatives from ConServe over the phone on XX/XX/XXXX to ask about the nature of the debt. When they mentioned it had something to do with the XXXX in XXXX OR, I suggested that this was likely related to my father to which the male representative responded they had " verified my social security number with the Dept. of Treasury '', which I discovered when speaking with the Dept of Treasury hotline ( after being on hold for 3 hours ) was not true as the debt provided to ConServe never included my social security number. 

I later obtained letters from my father and spoke with ConServe again on XX/XX/XXXX, providing them both the letters as well as proof of the debts being paid in full on pay.gov, where I was reassured that ConServe would cease garnishing my wages, but this did not happen. I spoke to them again on XX/XX/XXXX, but by this time it was too late and the full amount would still be garnished from one final paycheck.

The amount illegally garnished from my paycheck, for a debt that wasn't mine, is on top of the full amount that my father owed ( and paid ). 

The dollar amount in dispute is {$1400.00} plus {$25.00} in interest ( 5.45 % rate for 4 months ) = {$1400.00} My wages were garnished in 2 paychecks ( XX/XX/XXXX and XX/XX/2022 ) There was no product, I never signed any contracts with ConServe or the XXXX. 
I have not contacted any agencies or attorneys, there is no court action pending or previous lawsuits.
Consumer complaint received 2022-09-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

On XX/XX/XXXX i got hacked from XXXX and when trying to get customer support i got sent a message from my bank ( scammers sent ) that a charge of {$990.00} was withdrawn in order to get some information on my account status they used an application called XXXX  bank USAA ( I contacted ) called and try to reimburse that payment ( used XXXX  app ) and they can not therefore i got drained of that momey.
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have made several disputes through a written letter and also through their official page, telling them that I do not know about this Hard inquiry and I did not give my authorization, therefore it had to be removed from my credit report immediately since it is a should be fraudulently and it is affecting my credit record.
Consumer complaint received 2022-07-28
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. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-09-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ballybunion Enterprises, Inc (TX)

This company is trying to collect a debt that is a result of identity theft that belongs to an address that Ive never lived at. Ive lived at the same address for XXXX  years. This account is false and identity theft.
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DC)

Experian Rent Bureau is reporting information on my rental report as both paid in full and as a write off Legally Per the FCRA a item can not be both " Paid In Full '' and " Charged Off '' the Account XXXX is listed as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-28
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)

Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
These following items listed below are unknown to me.XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX U XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2020-05-25
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 Follow Up XX/XX/2020
Consumer complaint received 2023-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (NY)

I have a late payment reported that was fraud not done by me I disputed this with the credit bureau and they came back from the company saying it was valid. I was never given the option to opt out according to 15 US Code 6802 B- Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( 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.
Consumer complaint received 2022-07-28
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: Experian Information Solutions Inc. (GA)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Bread Financial Holdings, Inc. (NV)

My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. 

I sent Comenity Bank a letter due to an adverse action MONTHS AGO and I have yet to receive a response what's so ever. Please see attached documents as it contains my full complaint and requests.
Consumer complaint received 2022-07-28
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. (GA)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.