davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-28
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 .The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681 : Account name and number : XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX Above Listed 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 diverse item of information, other than records of convictions of crime 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 if the person knows or has reasonable cause to believe that the information in inaccurate.
Consumer complaint received 2023-02-28
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. (NV)

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 an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpos
e.
Consumer complaint received 2021-06-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have contacted the Bureaus Transunion, XXXX and XXXX I have received confirmation from the U.S. Bankruptcy Court stating they did not furnish my personal information to the reporting agency. I demand to have this Bankruptcy removed from my profile as it is in violation of my rights, and they have obtained my information without my consent from public records.
Consumer complaint received 2021-05-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Global Lending Services LLC (NC)

Had a total loss insurance claim for vehicle. Insurance company settled for an amount but insurance company sent proceeds for amount more than guaranteed amount and company has not submitted documentation where and how funds were distributed. The extra funds were due to extra coverage which was paid on my policy. This company has predatory lending practices. Also gap insurance claim was not honored and no explanation given for denial even though it was a valid claim. We have not received any documentation only bills asking for more money from loan company.
Consumer complaint received 2022-04-13
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. (FL)

In accordance with the Fair Credit Reporting act XXXX 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 2022-04-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Recovery Systems, Ltd (GA)

In XXXX 2021, I had two XXXX XXXX performed by XXXX XXXX XXXX XXXXn XXXX XXXX Pursuant to that, XXXX XXXX XXXX  in XXXX GA acquired XXXX and now they are XXXX XXXX XXXX and in the summer of 2021, sent me a bill for approximately {$440.00} for these tests. I called their billing department and told them that my XXXX approved these tests and that they should be pursuing payment through them. My XXXX is on file. The lady I spoke with acknowledged that insurance should pay for this and told me she would handle it and that she would call me if there was a problem. That was the last I heard from them until this week when I received a notice from the credit bureau that National Recovery Systems had filed for collection resulting in a XXXX point drop in my credit rating. I never heard back from XXXX ( XXXX ) nor have I ever heard from National Recovery Systems. This morning I spoke with XXXX and was told their claims department sent this to collection but I could not contact them. The rep did say she would send them an email but I have little confidence since they never informed me there was an issue and sent the debt to a debt collector who never contacted me.
Consumer complaint received 2022-12-14
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. (TX)

I have sent multiple dispute letters to the bureaus regarding the fraudulent accounts on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.
Consumer complaint received 2023-04-27
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)

THIS IA NOT A COPY AND PASTE I NEED MY CREDIT FIXED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 



I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Verification XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove all non-account holding inquiries over 30 days old. 

* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX
Consumer complaint received 2022-01-31
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. (MI)

I, myself, the consumer has attempted to communicate with the company about the furnishing of a bankruptcy on my consumer report. I have concrete evidence that my consumer rights were violated, yet my disputes are being ignored.
Consumer complaint received 2020-08-29
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: JPMORGAN CHASE & CO. (AR)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (CA)

Hi, I would like to complain about my loan service who denies my refund request before getting approval from XXXX. 
I'm a pell grant recipient and would be qualified for {$20000.00} debt relief. 
I requested the refund of about {$18000.00} that I paid off by refinanced with XXXX XXXX  during the pause on XX/XX/XXXX to my FEDLOAN Servicing. Six weeks went by, I have not seen any movements. I called FedLoan Servicing multiple times during that 6 weeks period. Each time, I would get a different answer. Some agents told me to call student aid ( XXXX ) to follow up, some told me to call treasury department to check status. I called both agencies, but got no answers, both redirected to back to my loan servicer. I feel like those people are passing the buck and dont know what they are doing. 
Today ( XX/XX/XXXX ), I called Fedloan servicing and escalated to a supervisor. I got connected to a supervisor. Her employee ID is XXXX. She informed me that the conversation was recorded. She asked me questions about the XXXX payments I made during the pause. Her first response was that the refinanced payment by would not be qualified for refund because it was made by third party. 
Then she went and read some guidelines about third party refund and said that Fedloan servicing would have to get permission from the refinanced company to take the payment back but refused my offer to merge the call with refinanced company. She stated it would not help anyway because for sure the XXXX will deny my request, and unable to refund either money to me or to XXXX XXXX. 
I cited the press release and FAQs from Student Borrower Protection Center and Student aid states that Refund requests can only be made by you and refunded to you, even if someone else made a payment on your loan. from Studentaid.gov and Refund requests can only be made by you and refunded to you, even if someone else made a payment on your loan ( such as a student loan refinancing company ), from XXXX She said this is only apply to a certain types of payments such as made by me, my parents, whoever, but refinance bank is considered Third Parties. If it is the case, then my parents is not third party??? Because they are not me correct? 
I pointed out that a lot of people posted on reddit had received their refunds ( who refinanced as well ) She said she has no clue what I am talking about. She does not know what XXXX is. I asked for point of contact at XXXX, but she would not give it to me. She said all I can do is wait for denial letter from XXXX. 
Ultimately, does loan servicer has the authority to do this? 
Who would be the one who approve for my request? 
Can a loan servicer deny my request? Without submit it to XXXX for review? 
What is the next step? 
There is no transparent here in the whole process.
Consumer complaint received 2022-02-01
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)

I did not authorize the companies in question or any other 3rd parties direct consent or access to my consumer reports. They used false and misleading forms to fraud and swindle me which resulted in adverse action. They deprived me of my right to privacy. Because my right to privacy has been breached this has caused me emotional distress which is a crime pursuant to title 18. TRANSUNION is conspiring with the furnished companies in the continuing violation of my constitutional protection rights. 

The banking system is dependent upon my consumer reports being fair, and accurate to me. You allowing inaccuracies to be furnished on my consumer reports has caused me to lose confidence in the banking system and as a result I will no longer be extending my credit to anyone, nor will I allow you to furnish a report on my behalf. 

I have attached the Identity theft reports and fraud reports along with a copy of my identification. I will be sending this CFPB complaint along with all other documentation to the Attorney General as record that you, TRANSUNION, CEO and Registered Agent have been made aware of the laws you have broken, which are causing me a great deal of emotional distress. 

( Excerpt from Affidavit of Truth sent to Transunion )
Consumer complaint received 2022-02-01
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. (GA)

I have recently been information reported by XXXX XXXX XXXX in the file you are maintaining under my social security number. Upon ordering an online copy of my credit report, I see an entry from this company listing two different amounts XXXX XX/XX/XXXX, original balance XXXX and collection balance by your company XXXX. Then another account XXXX originally balanced XXXX collection balance amount XXXX. The status amount is XX/XX/XXXX. This account shows I still owe this company XXXX XXXX XXXX. Please validate this information with XXXX XXXX XXXX and provide me with copies of documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note this violates FCRA and FTC ( 15USC 41, et seq ) This is my final documentation as I have sent documentation to XXXX with certified mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. My action is to pursue your agency for a {$5000.00} lawsuit in XXXX County Courthouse for Defamation, Negligent Enablement of Identity Fraud, and Violation of the FCRA.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2022-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (IL)

XX/XX/XXXX filed written dispute on four transactions because `I was told they would accept only 1 dispute via telephone. 
XX/XX/XXXX they requested additional information regarding the transactions. 
The information was faxed and received by Barclays. Barclays closed the case after receiving the information because they said they wanted to speak to me by phone. I told them I never received a call and had been out of the country. They re-opened the case on XXXX. I have spoken to numerous customer service reps including XXXX, XXXX, XXXX and today XXXX ( dispute dept ). I have never known a credit card company to take this long resolving a dispute. They will not issue provisional credit and said manager call back will take 10-15 days. This is outrageous because XXXX said the refund was issued to Barclays. To date -Barclays Mastercard has not issued credit for upgrades to refundable tickets as follows : XX/XX/XXXX. {$280.00}. XXXX # XXXX XX/XX/XXXX. {$120.00}. XXXX # XXXX XX/XX/XXXX. {$280.00}. XXXX # XXXX XX/XX/XXXX. {$120.00}. XXXX # XXXX
Consumer complaint received 2022-02-01
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP (NV)

On XX/XX/2022 I started a fraud dispute for XXXX  XXXX XXXX XXXX because I never received this card and I found out that someone fraudulently spent all the funds in the account. Per federal guidelines and my understanding is that the company must resolve the dispute within 10 business days and if they are unable to resolve the claim within 10 business days then they must issue a provisional credit while they investigate the claim. Well the company is still investigating my claim past the 10 business days and they are refusing to issue my provisional credit. To my understanding that violates federal mandates and guidelines that must be followed
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (PA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
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. (TN)

In accordance with the Fair Credit Reporting act XXXX  XXXX 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 2020-09-21
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CASHCALL, INC. (CA)

I am constantly being harassed by XXXX XXXX XXXX XXXX It all started back in 2007 when I was a struggling college student. I needed assistance paying my rent for the month plus other Bill 's. I decided to take out a loan with Cash Call. It was the biggest mistake of my life! I began making payments toward the loan the following month, but then the payments became a burden for me. I was paying more than {$200.00} per month. I stopped paying on the loan as I could no longer afford to do so. Cash Call began to harass me, constantly calling me at home and at work. A representative from Cash Call called my manager at the XXXX XXXX XXXX XXXXXXXX, my former employer, and revealed to him that I had an unpaid debt. They calle multiple phone numbers at my place of employment, and they discussed my debt with my former co-worker, XXXX XXXX. Ms. XXXX told them to stop calling, and they would not listen. She had to inform our chief, and even when he spoke to them and informed them not to call again, they totally ignored his request. It was very embarrassing and humiliating for me. I then quit the job because I could no longer face my co-workers after Cash Call consistently called and harassed my co-workers and I. Then Cash Call sold my debt to XXXX  XXXX XXXX XXXX XXXX then continued the harassment. Constantly calling me on my cell phone and my place of employment. They also threatened me with a lawsuit. They have now obtained judgment against me in the amount of {$7700.00} for a nearly 20 year old debt! And the original loan amount was for {$2600.00}, yet XXXX is suing me for almost TRIPLE the amount! It was determined by the state of California and many other states, that Cash Call was a predatory lender. There was a Class Action lawsuit in California in which consumers who just like me took out a {$2600.00} loan from Cash Call and they were able to have their debt forgiven. I should have been included in this Class Action lawsuit, but because my debt was sold my name was not included. I am no different from those who had their Cash Cash loans forgiven. I was a victim of Cash Call 's predatory lending practices. And not only that, but I've been subjected to more than 10 years of harassment by both Cash Call and XXXX XXXX XXXX XXXX This has taken a toll on my mental and emotional health!!!!!
Consumer complaint received 2021-05-25
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. (CO)

Equifax ; XXXX  and XXXX should not be reporting that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these lates need to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted XXXX and the bureaus to remove these lates however, I have not been successful.