davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In a accordance with the fair credit reporting act XXXX  account # listed below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 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 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (IN)

I applied for, and an eligible for, public service loan forgiveness from Fed Loan Servicing. 

I have made XXXX qualifying payments. 

My employer from XXXX has closed. I submitted to forms with the " I am unable to obtain a signature '' option. This was in XX/XX/2021. I received no feedback. 

I reached out XX/XX/2021 and was told to submit W-2s for those years, which I did, in XXXX. 

3 months later my count is still stuck at XXXX because my W-2s have not been processed. 

I spoke to an ombudsperson on XXXX who claimed they were expediting the process. 

Still nothing.
Consumer complaint received 2022-07-08
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. (MO)

In accordance with the Fair Credit Reporting Act XXXX XXXX  account number XXXX, XXXX account partial account number XXXX, XXXX XXXX XXXX  account number XXXX, XXXX. XXXX partial  account number XXXX, XXXX XXXX XXXXXXXX XXXX XXXX account number XXXX, have all violated my rights.

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

15 U.S.C 1681 section 604 A. States a consumer reporting agency can not furnish an account without my written consent or instruction.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. The following items are listed below : XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$9000.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00}
Consumer complaint received 2022-07-08
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. (TX)

XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Important dates Original filing date XX/XX/XXXX Latest status date XX/XX/XXXX Additional details Reference number XXXX Record type Bankruptcy XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Information was found to be fraud and was deleted by XXXX. Experian claims they received the information from XXXX.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. The following items are listed below : XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX WEBBANK ) XXXX Balance : {$9000.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00}
Consumer complaint received 2021-04-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc. (NJ)

Hi I did not receive notification of this debt. After pulling my credit report, I saw this on there and called them to discuss. I decided to pay the debt because it was a small amount ( {$79.00} ). I made this payment on XX/XX/XXXX and I was promised the debt will be removed ( information send to the credit reporting agencies : XXXX, XXXX  and XXXX  ). I also requested a letter to be sent to show proof of settlement of this payment and as of today ( XX/XX/XXXX ) I have not received this letter. I need to get this financial transaction completed ASAP and they are hindering/jeopardizing this by not resolving this issue in a timely fashion. 

collection agency : Online information services telephone:XXXX Imaging Consultants XX/XX/XXXX {$79.00} + {$46.00} + {$14.00} = {$130.00} confirmation : XXXX Manager : XXXX
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I filed a complaint on XX/XX/2022 and it is now XX/XX/2022 and my dispute was never answered to, therefore, all the inquiries in said dispute must be removed or I will file a lawsuit against TransUnion. 

I have already tried to get TransUnion to remove them given in violation of FCRA this dispute was not addressed within 30 days, therefore, I am requesting again that it be addressed. In the event it is not addressed my attorney will file a lawsuit because FCRA says an item must be immediately be deleted if its been more than 30 days and the dispute is not addressed. 

I also am an attorney so I know my rights and will be assisting in the filing of said suit.
Consumer complaint received 2022-07-08
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)

Pursuant to 15 USC 1681 section 602 of the Fair Credit Reporting Act, Congress has made it very clear that the banking system is dependent upon fair and accurate credit reporting. Since Transunion has assumed this vital role in assembling my consumer report, not only that they infringed on my privacy, Transunion failed to adopt reasonable procedures for meeting the needs that are fair and equitable to me as the consumer by not exercising their grave responsibilities. Congress has made it known that if Transunion would have adopted reasonable procedures, Transunion would know that a consumer report doesnt include information solely as to transactions or experiences between the consumer and the person making the report as defined. Also, you must have my written consent furnish anything on my consumer report, which I never granted Transunion to do so pursuant to 15 USC 1681b ( a ) ( 2 ) section 604 of the Fair Credit Reporting Act. As of today, my written instructions for Transunion is to remove this account from my consumer listed below :
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have been submitting letter on XX/XX/2022 to XX/XX/2022 with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX  XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

Sent letter to credit bureau requesting them to validate this debt as I have no knowledge of the account or the original creditor and it was sent on XX/XX/27 and still no response. I have reached out as well to the collection company who have not sent validation either. I reached out to the original creditor showing on my credit report on XXXX who stated they had no record of the account have a balance or going to the collection agency and shouldn't be on my credit report. The credit bureau updated and closed the account but still have not been removed and them not deleting this account and not doing a proper investigation is hurting and damaging my credit profile.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Sent letter to credit bureau requesting them to validate this debt as I have no knowledge of the account or the original creditor and it was sent on XX/XX/27 and still no response. I have reached out as well to the collection company who have not sent validation either. I reached out to the original creditor showing on my credit report on XXXX who stated they had no record of the account have a balance or going to the collection agency and shouldn't be on my credit report. The credit bureau updated and closed the account but still have not been removed and them not deleting this account and not doing a proper investigation is hurting and damaging my credit profile.
Consumer complaint received 2021-04-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BBVA FINANCIAL CORPORATION (CA)

BBVA is falsely reporting TWO late payments on my account to XXXX Credit Bureau. There was only ONE late payment in question and already has been disputed numerous times secondary to failure of communication, false assurance and delays in providing a demand letter from BBVA as explained in my previous complaint. But to find out that they are actually reporting TWO past 30 day payments is infuriating.
Consumer complaint received 2020-04-21
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. (PA)

CHECK FOR METRO 2 REPORTING COMPLIANCE versus alleged data that is NOT YET PHYSICALLY CERTIFICATED as FULLY TRUE, ACCURATE, COMPLETE, TIMELY, MINE, MY RESPONSIBILITY or adequately displayed as MANDATED by every and one even each any and or all laws, mentioned or NOT
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$13000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$3200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1300.00}
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

This is my NUMEROUS attempt to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/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
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still presenting on my credit report in violation of federal law. The XXXX, XXXX and TransUnion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2022-07-08
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

A dispute was filed regarding a recurring subscription for the next year that I no longer want. An attempt to cancel the transaction was made with the merchant which was unsuccessful and then through the credit card company. A request for more information on XX/XX/XXXX was presented which was provided. However, a letter on the same date was issued denying information was provided and that the credit would be reversed.
Consumer complaint received 2022-11-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNSYLVANIA HOUSING FINANCE AGENCY (PA)

In accordance with the fair reporting act this creditor has violated my rights. Under 15USC1681 sec 602 states I have a right to privacy. 15USC1681 sec 604A sec 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Alabama Housing Finance Authority (AL)

There is a global pandemic going on and daycares and schools were closed. I have XXXX kids that affected and I missed work without pay until I got the situation in hand. Money was tight and I was late in XXXX of this year. I have a mortgage and a small loan that was apart of the down payment on said mortgage. The main payment XXXX was paid but the small of XXXX was late. They didnt wait anytime to report it to the credit bureau. They were paid and I had to refinance to maintain everything. It was my understanding that during this hardship there would be more understanding and unity. XXXX in Alabama is the culprit.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts from my credit report : XXXX XXXX XXXX Balance : {$500.00} LENDMARK XXXX Balance : {$4600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX ( XXXX XXXX : XXXX XXXX ) XXXX Balance : {$240.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX Balance : {$4300.00}
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I have been submitting letter on XX/XX/2022 to XX/XX/2022 with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below XXXX XXXX XXXXXXXX XXXX XX/XX/2022 EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2022-07-08
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. (FL)

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. Same account was Re-inserted. Comments inaccurate. This ground for removal they also violated my rights under I WANT THE FOLLOWING ACCOUNTS ON ALL 3 BUREAUS DELETED OFF MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2022-07-08
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 XXXX  The credit bureaus was properly investigated but how that possible when open and end date, account information, address, amount is inaccurate and late date reporting is no accurate This is grounds for removal they have also violate me under XXXX XXXX XXXX  According to the Fair Credit Reporting act 15 USC1681.Section 602A I have a right to privacy.

According to 15 USC 1681 Section 604A Section 2 No financial institution is supposed to share my information to a third party. I did not give written permission to have the accounts added to my credit report.

According to 15 USC 1666b ( A ) ( a ) Time to make payments 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.

I wrote a letter asking for the payment history to be corrected. XXXX XXXX  refused to correct the payment history please see attached
Consumer complaint received 2023-02-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (PA)

I was charged for over XXXX dollars at a hospital I've never been to. The hospital is more than two hours away from where I live. I tried to dispute the fraudulent charge but it kept telling me it was verified without any proof. I tried contacting the collection agency and was told there was nothing I could do and that I had to pay it in full to avoid further penalties