davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-23
Product: Credit reporting 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)

I recently reviewed my credit report and I noticed that my consumer privacy rights were violated. In accordance with the Fair Credit Reporting Act the list of accounts below had violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 section 602a. 

XXXX  XXXX XXXX 15 U.S.C 1681 section 604 A section 2 it also states : a consumer reporting agency can not furnish an account without my writing instructions. Under 15 USC 1666b as it states : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Please be advised that I did not give consent for any agency to report on my consumer report.
Consumer complaint received 2023-02-22
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: MicroBilt / PRBC (formerly CL Verify) (MS)

My rights as a consumer are being violated with this inaccurate information. I have the right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance! The one thing I won't tolerate is negative information. It doesnt matter if it's certified or not, what matters to me are the facts and truths of anything that may be going on with your company and the data you have concerning my credit profile.The credit report I received is not accurate which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards.Here 's my challenge for you : Make a document that shows all of the evidence for each claim and send it to me. It should be verified, complete and true! The 2020 XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. I'm unsure if the reporting process was done correctly or whether it's in proper format, so we can't say that your claims are accurate either way. The following claims are controversial and have not been independently verified as true.Please remove any false accounts from my credit report. I am requesting that you take care of this as soon as possible so it does not affect me financially in the future. My credit report is my life. I want only factually accurate, verified and compliant data documented on it!
Consumer complaint received 2022-05-23
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. (CA)

There are numerous inquiries on my file that I do not recognize nor have I applied for credit with those companies. I reached out to the credit reporting company to oy be ignored.
Consumer complaint received 2022-05-23
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. (NC)

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 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Date : XX/XX/XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX Ga, XXXX DOB : XX/XX/XXXX SSN : XXXX I recently obtained a copy of my credit report from your services and found the following items to be an error. 

Creditors Account Name and Number : XXXX XXXX XXXX XXXX XXXX  XXXX These are the same accounts on my credit report that was removed, how can they report on my credit same account XXXX different creditors. This is an improper use of my credit and should be removed right away. 


According to section 15 U.S. Code 1692g ( Validation of debts ).

1. I want all creditors to send me a detailed list of the history of payments made by me on this account.

2. I want to see the signature that I put on a contract guaranteeing that I would pay this creditor.

3. Im asking to see has there been any insurance claim filed on this debt.

4. I want proof that you have the chain of title to collect on this debt.

15 U.S. Code 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes thedebt collector to cease furthercommunication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.

In addition, Im requesting a description on how the investigation was conducted along with the name, address, telephone number of anyone contacted for information. Furthermore, if there is a change in my credit history resulting from this investigation, i am requesting that an updated report be sent to those who received my report within the last XXXX years or employment purposes, or any purpose. 

Thank you for your prompt attention in this matter. 

XXXX XXXX
Consumer complaint received 2022-10-11
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: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-12-13
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: IQOR US INC (CA)

On Thursday, XX/XX/2024, at XXXX XXXX  PST, I received a phone call from Allied Interstate, a debt collection agency, using the number XXXX XXXX. This call was marked as " Potential Spam '' on my device. As a resident of California, I am aware that both federal and state laws regulate the permissible hours for debt collection communications.
Consumer complaint received 2022-08-16
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$0.00}.
Consumer complaint received 2023-02-22
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. (PA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (TN)

NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting on unauthorized inquiry my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Yo offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You hav transferred, possessed, or used, without lawful authority, a means of identification Is a felony punishable with Lip to 2 years of imprisonment, in addition to civil liability By obtaining my CREDIT BUREAU consumer credit report on DATE Without my permission or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( XXXX '' ) codified at 15 U.S.C 16186 ( XXXX ) XXXX ( XXXX. XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX )
Consumer complaint received 2022-05-22
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. (NY)

1. in accordance with the fair credit reporting act XXXX  Account # XXXX has violated my rights. 

2. 15 u.s.c 1681 section 602 a. states ihave te right to privacy. 

3.15 u.s.c 16 section 604 a section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX # XXXX
Consumer complaint received 2022-06-23
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. (MD)

In accordance of the fair credit reporting act XXXX  account number : XXXX account name : XXXX XXXX XXXX  XXXX account number : XXXX account name : us dept of education account number : XXXX 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 602 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (CA)

Mohella student loan is reporting that they could not locate me. On XX/XX/30 they asked me to update my information. I promptly logged into the website and updated my information. last week, I received an email from credit journey and I called XXXX and they indicated that Mohella has flagged my account and stated I am unable to locate. This is all untrue, my score has dropped from a XXXX to a XXXX. I have never missed a payment and this is a student loan and all loans are currently on forbearance. Furthermore, regardless of if you can locate me or not, the only thing that should be reported is missed payments. I have contacted Mohella several times to get he run around, long hold times and as of yet it is still not corrected. They have confirmed that they have all the payments, yet they have done nothing further
Consumer complaint received 2024-11-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I transfered mony frome my account in bank of america to my account in XXXX XXXX XXXX  ( XXXX ) at XXXX XXXX but not delivered yet so I asked both of banks about that but they are not solved my problem. 
Please I want help... thanks.
Consumer complaint received 2024-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (FL)

I reached out to remove myself as an authorize user from my mother 's credit account. Per the representative, I was removed and received documentation that I was removed. Best Buy is still reporting to my credit and should not be.
Consumer complaint received 2022-05-22
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)

1. in accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 

2. 15 u.s.c 1681 section 602 a. states ihave te right to privacy. 

3.15 u.s.c 16 section 604 a section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX # XXXX
Consumer complaint received 2022-08-16
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)

XXXX XXXX XXXX Account # XXXX was NEVER late. Account # XXXX is reporting numerous late when it was NEVER late. Experian failed to correct these lates numerous times & delete this account off my credit report.
Consumer complaint received 2023-12-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Fidelity National Financial, Inc (CT)

I hold a Mortgage for my primary residence with XXXX a subsidiary of XXXX lending a Fidelity National Financial company. 
last week the parent company announced a ransomware attack and promptly shut down their systems. The company did not notify it's customers for 5 days after the incident and closed their phone lines, with no way to contact the company. 
I always make my payments within the 30 day window but the incident has pushed my payment window beyond into delinquency. 
I made multiple attempts daily from XXXX to reach the company by phone and website with no progress or response. 
I'm filing this complaint in an effort to protect myself and others affected from negative credit reporting. 
The website appears to be online today XXXX but I do not trust their systems are safe, but I still can not reach customer service by phone. 
This is company needs to do a much better job of communicating and protecting their millions of customers.
Consumer complaint received 2024-12-11
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: CITIBANK, N.A. (TX)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-12-11
Product: Credit 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: WELLS FARGO & COMPANY (WI)

I purchased a brand new, large 3d printer via XXXX in XX/XX/XXXX. I purchased it from XXXX XXXX, a dealer in XXXX, Iowa. I picked up the printer from the Manufacturer in XXXX, Indiana on XX/XX/XXXX. The pickup date made available to me was later than I was promised and the machine was very faulty from the beginning. After 28 days of attempting to use the machine I asked for a refund. XXXX refused. On XX/XX/XXXX I filed a dispute with XXXX. In XXXX I provided to XXXX documents from three industry experts explaining the printer was significantly not as described. On XX/XX/XXXX, XXXX told me XXXX agreed to provide a refund. XXXX instructed me to return the item to the manufacturer ( not the seller ) with tracking information and to require a signature. As I was preparing to ship the printer, I contacted the proposed receiver to ensure they would be available for the delivery. They told me at that time they would not accept the item back and would refuse any attempt of delivery, sight unseen. They also told me to delay shipment until it was sorted out, a direct contradiction to what XXXX instructed me. I contacted XXXX with this information and they told me to ship it anyways ; the receivers attempt to refuse the delivery " was not my problem ''. So that is what I did. The freight company made two attempts to deliver and obtain a signature but the receiver would not make themselves available. Finally, I instructed the freight company to deliver without signature. The item was delivered on XX/XX/XXXX. The freight company said it was " delivered okay ''. Days later the seller filed new information with XXXX stating the printer had been damaged during shipping. On XX/XX/XXXX XXXX denied my dispute claim and refused to provide the refund they promised. I believe this is wrong because XXXX acted in bad faith during the return process. They forced me to take responsibility for the item arriving damaged without giving me the option to deliver the item myself ( which is how I received it ) and they did not force the seller to be available to receive the item where the receiver could have denoted the machine was damaged during shipment. The seller 's bad faith was then rewarded by XXXX denying my claim. Part of this purchase was placed on my credit card from Wells Fargo. After XXXX refused to help, I filed a chargeback with Wells Fargo on XX/XX/XXXX. Wells Fargo has rejected the chargeback due to the merchant 's return policy. They will not give me additional information. I was within the merchant 's return policy and I have shared that information with them, but they refuse to change their decision. Specifically, this is Wells Fargo Case Number XXXX
Consumer complaint received 2024-12-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (MS)

XXXX XXXX XXXX I went to emergency room @ XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX I provided my insurance. Last month I ran my credit I was denied due to collection was over XXXX some dollars. So I call ABILITY RECOVERY SERVICES XXXX XXXX XXXX, XXXX, PA XXXX inquiring about the bill that I wasnt aware. Thats when I request that she send me information about bill and the service. I realize after looking at paperwork they fail to file my insurance which was provided. I call bcbs federal about date of service they told me they paid all claim that was submitted for XXXX XXXX. So I call ability recovery to inform them what my insurance stated. They informed me thats was the emergency bill and not physicians emergency bill I ask her why that wasnt filed to my insurance since emergency room file my insurance. Thats when she stated that was my responsibility, I was like how, when I wasnt aware of the bill. I provided the insurance XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXXXXXX XXXX fail to file it. So I call XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX about bill they stated they going to submit the claim to my insurance which they have. The problem I have even though they know they made mistakes they still report on my credit report even though they know that its wrong. I disputed three times and all three times they saying its accurate when its not. XX/XX/year> bill for XXXX and XX/XX/year> for XXXX. The collection agency is ABILITY RECOVERY SERVICES And original creditor is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-08-16
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. (CA)

Inaccorance with the Fair Credit Reporting act XXXX XXXX Account 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 2022-05-22
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. (OH)

In accordance with the Fair Credit Reporting act XXXXt Account name XXXX DEPARTMENT STORE Account # XXXX Account name XXXX XXXX XXXX ( Account # unavailable, only XXXX  account on my report ), 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 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (PA)

This company keeps reporting me to every credit bureaus on and closed acct. that as been charged off but yet and still Im still being report late every month with late charges of a closed acct was sucured saving acct that I open with my own money which XXXX  turned into a credit card immediately started charging intrastate charges and late charges on my acct. As of today this acct as been closed for over a year and XXXX  is still charging lates charges and reporting it to credit bureaus as if this acct is still active and it CLOSED. I called XXXX on many occasions about this issue and to this point this is harming my credit of them keep reporting a closed acct as if it is still active and its not!