davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-10
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. (MA)

I am reporting that Transunion Credit Reporting Services lowered my XXXX XXXX XXXX points because I paid an extra {$20.00} on my credit card balance to XXXXXXXX XXXX XXXX XXXX on XX/XX/2022. I have attached the information to this complaint. I am thinking that the credit reporting agencies are in collusion with the credit card companies somehow. The credit card companies want you to pay and pay and pay!. This dramatic decrease happened before, but I didnt document it. There is no reason for such a decrease when I am trying to pay off my bills. PLEASE LOOK INTO THIS!!!!
Consumer complaint received 2022-08-10
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. (NY)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-08-10
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SAMUEL I WHITE PC (VA)

XX/XX/2022 Complaint of an Illegal Collection of a Mortgage Activity. 
1. Complaint Party Estate oXXXX XXXX XXXX Subject Property : XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX Complaint Action : Illegal Foreclosure Attempt. 
Date of incident happen : XX/XX/2022 XXXX. Sublet of Complaint Party Samuel I. WhiteXXXX P.C., Attorneys and Counsellors at Law Licensed in : Virginia, Maryland, West Virginia and Washington D.C. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Tel XXXX ) XXXX XXXX, Fax XXXX ) XXXX 3. Questions on his attempt to foreclosure above property a ) Can Debt collector and Trustee be a same person? 
b ) Can a debt collector foreclosure a property? 
c ) Can a Trustee foreclosure a property with a broken chain of title? 
d ) Can a Trustee foreclosure a property with imperfect Deed of Trust and/or Note? 
XXXX ) Can a Trustee foreclosure a property without formal notice and necessary paper work to the Trustors ( in this case estate of deceased ) f ) If one of above is illegal, No one knows how many illegal activities he performed in the past but himself. An Investigation should be performed and give him a deserved discipline penalty for prevent further victims creation. 
g ) We remember his illegal and fraudulent collection activities in the past. 

4. XXXX XXXX XXXX above questionable collection activities put us a serious problem, please answer above 7 questions that we can decide to hire an attorney or not as soon as possible 5. XXXX XXXX, if you feel anything above questions are illegal, please stop, cease and cancel your collection activities immediately. 
6. The Authorities of above XXXX XXXX XXXX, reply us as soon as you can that well have enough time to prepare to answers XXXX XXXX XXXX questions. 
7. Contact a. Estate of XXXX XXXX b. Address : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Email : XXXX Thanks, Estate of XXXX XXXX
Consumer complaint received 2022-08-10
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. (VA)

In accordance with the Fair Credit Reporting act XXXX  Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXXXXXX XXXXT, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX/ Dept of Ed XXXX XXXX XXXX XXXX XXXX XXXXXXXX/ Dept of Ed XXXX XXXXXXXX XXXX XXXX XXXX XXXX/ Dept of Ed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Associates XXXX XXXX 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.
Consumer complaint received 2022-08-10
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. (MI)

This is regarding an alleged debt from XXXX XXXX XXXX XXXX. This account was opened XX/XX/2018. The Amount is XXXX. They are reporting it as a Chargeoff/collection. I've tried to get this removed for almost a year now. Everytime it comes back as validated. But how can they validate without interviewing ; friends, family, & neighbors. Experian is reporting this negative account to my consumer report. which is hurting my reputation. I have not been able to get a car since this was reported. I just tried to get a car with XXXX and was denied because they said i had a car reporting negatively to my consumer report. I am speaking with XXXX XXXX XXXX XXXX XXXX  - he told me that they regulate under the FCRA. which is correct. 15 usc 1681b2 permissible - states a consumer reporting agency has to have written consent from a consumer to report anything to a consumer report. He told me they were in compliance with permissible purpose because XXXX XXXX XXXX provided them with the information. I went on to ask him if they were regulated by the CFPB and he would not tell me. He kept saying they regulate under the FCRA. He then proceeded to put me on hold on leave me here without complying to my demands of removing this account from my consumer report.
Consumer complaint received 2022-08-10
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: Experian Information Solutions Inc. (VT)

XXXX XXXX Credit Card company called to say someone was trying to open a new account in my name. I had not applied for a new account. The Credit card company suspected fraud and called me to verify if I had applied. They then cancelled the application.
Consumer complaint received 2022-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2022 I sent the wrong person money on XXXX. 
Chase was very nasty to me on the phone and was supposed to keep me updated on my claim. They never did and jus told me I couldnt get my money back.
Consumer complaint received 2022-08-10
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: Experian Information Solutions Inc. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-08-10
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. (IL)

XX/XX/2022. I sent a letter to the courthouse asking do they report bankruptcies to the credit bureau. Their return letter stated, " The United States Bankruptcy Court does not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers credit files. '' I sent certified letters to the credit bureaus let them know that I did not give them permission or written consent to them or any other agency to furnish my information. How did the credit bureaus edify my bankruptcy as 100 % accurate. They never did a fair investigation according to the 15 USC 1681. nor did they follow their own consent policy. It is damaging to my reputation and a blatant disregard to my right to privacy.

15 USC section 603 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of being is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

The have violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 A. States I have the right to privacy.

According to : 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 According to : 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 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have disputed the public records report to all three major credit agencies. XXXX, TransUnion, and XXXX in which they all stated that the United States bankruptcy court verified the accuracy of the public record, which is inaccurate the United States bankruptcy court, do not report or verify to major credit nor any consumers. I am requesting due to my fair credit act and the inaccuracy of the credit rules in the United States bankruptcy court response. I am requesting that the public record and the items disputed on the public record and deleted.
Consumer complaint received 2022-08-10
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)

I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. Regarding alleged accounts # 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. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-08-10
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX  has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX  paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-08-10
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. (CO)

XXXX must remove the XX/XX/XXXX " XXXX  '' code from my Experian report. 

On XX/XX/XXXX, I spoke with Experian customer service, and they reported that XXXX is still reporting inaccurate information on my Experian credit report, in violation of the Fair Credit Reporting Act. 

On XX/XX/XXXX, XXXX submitted a resolution to Experian claiming that this account should be listed on my credit report as-is. No. This is wrong. 

The account was settled at {$0.00} on XX/XX/XXXX, yet Experian is still reporting that it was settled on XX/XX/XXXX. 

This is why the Payment History for this account on my Experian report is displaying a " XXXX '' code for XX/XX/XXXX, despite the fact that it was settled in XX/XX/XXXX. Why is your company continually choosing to break the law by reporting bad data? 

Under the Fair Credit Reporting Act, accounts that have been settled should no longer display any new payment history codes. Any payment codes posted after XX/XX/XXXX are considered re-aging the debt, a serious violation of the FCRA under Section 623 ( 5 ) ( A ).

As listed in my CFPB complaint -- and in several pieces of correspondence sent to XXXX  with full documentation via U.S. certified mail -- XXXX must remove the inaccurate " XXXX  '' code listed within the payment history for this account on my Experian credit report for XX/XX/XXXX. 

The issue reported in my CFPB complaint regarding my XXXX report has been fixed. Please do not modify any of the information listed on my XXXX credit report. 

Please also do not modify any information on my XXXX report. The information on both of these reports is now 100 % correct. Thank you. 

The only remaining issue is on my Experian report. 

I am simply asking for a single incorrect payment history code to be removed. Why choose to violate the FCRA instead of making this one simple change? 

I look forward to having this information rectified or deleted altogether. I trust that your company will do the right thing, or I will continue to pursue legal action as is my right under all applicable state and federal consumer credit reporting laws.
Consumer complaint received 2022-08-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I've called my bank twice which is bank of America to close my account. They said I've got a person to person fraud case on my account which I know nothing about and then they can't access my account with my information. They can't seem to send a verification code to my cell phone that's on file even though I'm calling from it. I just want my account closed because I've got an account with another bank.
Consumer complaint received 2022-08-10
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. (GA)

Transunion previously responded to my identity theft complaint and violated my rights by not deleting the items that I have identified as items resulting from identity theft.

15 USC 1681 d-2, states that a consumer report excludes information solely as to transactions or experiences between the consumer and the person making the report 15 USC 1681 e, states that an investigative consumer report shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality.
Consumer complaint received 2022-08-10
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. (FL)

THIS IS ABHORRENT! I'm not familiar with this account. Why is my credit report being reflected there? I want this account to be verified! There is no agreement between me and this account.
Consumer complaint received 2022-08-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (NM)

Diversified Adjustment Service , Inc . 
XXXX XXXX XXXX XXXX MN XXXX Received notice that my " account '' with XXXX XXXX is in arrears in the amount of {$210.00}. 

Reference # XXXX Person named on the notice, XXXX. XXXX, has been deceased for 25 years. 

The account number on the notice is not an XXXX account number. 

I checked my bank records, and called XXXX to make sure my account is, and has been, current.
Consumer complaint received 2022-08-10
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. (NC)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items which XXXX, XXXX and Experian didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 16810 ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 16811 ( 7 ) Method of verification Description of reinvestigation procedure