davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-22
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. (AZ)

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information.

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. The inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX
Consumer complaint received 2023-08-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MO)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-08-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-01-03
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. (SC)

I am writing to request the deletion of specific entries in my file, which are listed in the attached report. As a victim of identity theft, I did not authorize these changes. In compliance with the Federal Trade Commission, I have reported this identity theft and have included copies of the FTC 's Identity Theft Affidavit. 

It appears that certain activities about my account contravene multiple sections of the U.S. Code Law, including : 15 U.S. Code 1681 a ( 4 ) - Consumer Right to Privacy. You are reporting fraudulent accounts that aren't mine, infringing upon my privacy rights.

15 U.S. Code 1681a - Definitions ; rules of construction. This law states that transactions are not included in a consumer report. Thus, I demand the removal of all late payments from my report.

FDCPA 807 - Misleading false reporting. The information you are reporting suggests I applied for these inquiries & accounts, which is inaccurate and misleading.

15 USC 1681 n - Civil liability for willful noncompliance. You accepted credit information about me without verifying its accuracy, leading to willful noncompliance.

18 U.S. Code 1028A - Aggravated identity theft. You shared my information with creditors without my consent, which constitutes aggravated identity theft.

15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information. You didn't disclose to me that I had the right to opt-out of this information being shared.

And several other violations, which I have detailed in the attached document.

I kindly request that you adhere to 15 U.S. Code 1681c-2, which requires you to complete this reinvestigation and block or update all information resulting from identity theft within four days of receipt of this letter. Failure to comply will lead to criminal and civil liabilities as outlined in my attached invoice.

I am the original creditor, and I did not authorize, benefit from, or consent to the accounts and inquiries listed in the attached report. I filed FTC report # XXXX regarding this matter. 

Please remove all fraudulent accounts from my credit report immediately. According to FCRA 605B, this information must be blocked until the investigation is concluded.

Furthermore, as per 15 U.S.C. 1681g, I demand that you disclose all documents recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Consumer complaint received 2023-08-21
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: Experian Information Solutions Inc. (AL)

I am writing to dispute the late payment that is appearing on my credit reports for the month of XX/XX/2018 associated with my XXXX XXXX XXXX account # XXXX. I firmly believe that this late payment is inaccurate and unjustified. 

My concern lies in the fact that I did not receive the billing statements for the aforementioned month, which led to the alleged late payment. I have always been diligent in making timely payments, and any late payment reported is a result of not being provided with the necessary billing information. 

Also XX/XX/2018 late payment is in violation of15 USC 1666b clearly 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 ''.
Consumer complaint received 2023-08-21
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. (FL)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-22
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. (AZ)

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX
Consumer complaint received 2023-08-21
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: EQUIFAX, INC. (WI)

XXXX XXXX  via Equifax Mortgage was authorized to only do a Hard pull on my credit report once on the date of XX/XX/2023 XXXX XXXX  via Equifax Mortgage did a second hard pull WITHOUT my permission on XX/XX/2023. This hard pull was unauthorized
Consumer complaint received 2023-08-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-08-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (IN)

According to the email I received, Nelnet is " currently experiencing unprecedented email volume '' preventing them from responding to my email... ever. This seems to be a clever way to avoid having any written ( read " recorded '' ) account of our conversations. This strikes me as highly unethical and irresponsible, even for a company that was accused in 1993 of using a tax loophole to generate upwards of {$1.00} XXXX dollars in profit from student loans that it managed. New York and Nebraska have both gone after the company for allegedly paying kickbacks to colleges and universities that pushed students toward Nelnet loans. I would like to request ongoing EMAIL correspondence with Nelnet to ensure that vital communication isn't lost in the ether of supposedly " recorded '' phone conversations.
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (FL)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2023-08-21
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. (MA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-21
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: Experian Information Solutions Inc. (TN)

Previously, I made an investigation about this account with incorrect information and after checking your responses, I recognized that the same account is still incorrect, with a confirmed status. Please correct the account listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-22
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SIMM Associates, Inc. (FL)

I got a call from a number that displayed number with no name with a local area code, the rep made the greeting sound like it was a law firm that was calling. She then voluntarily gave personal information without knowing for fact that it was the person she was looking for. When I pressed who, what company, she was calling for, she hung up. I called back a second time and the second person was at least professional before he ended the call because he was starting to argue. The third person I spoke with transferred me to a supervisor that removed my number from being contacted.
Consumer complaint received 2023-08-22
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: CITIBANK, N.A. (CO)

I placed an order with XXXX on XX/XX/XXXX and was sent in the incorrect item. Item was returned to XXXX with tracking confirming delivery. XXXX XXXX page confirms return received and refund processing but never actually received refund. 

Contacted Citi in XX/XX/2023 and was told to try and resolve with XXXX and that I can dispute within 6 months if not resolved. 

Contacted Citi again XX/XX/2023 and was told dispute in process. 

Contacted Citi again later XX/XX/XXXX because Citi started a fraud claim and close my card which was not what I requested. Citi representative said she fixed the issue Contacted Citi again XX/XX/XXXX because I still cant see any disputes and now Im being told none of the information I was given was correct at all and I needed to send a letter to Citi. The representative on the phone was not surprised or concerned at all that I had been repeatedly given bad information and claimed Citi Back does not guarantee the accuracy of information provided by their representatives and that I should not have trusted them. This is very disheartening to hear especially from a financial institution. 

In attachment you will find XXXX order and return page XXXX tracking page Citi card statement
Consumer complaint received 2023-08-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Upgrade, Inc. (MI)

Solicited for the Upgrade Triple Rewards VISA " Credit Card '' through XXXX XXXX. Advertised as a cash rewards credit card. Applied for the " credit card '' and approved for a {$20000.00} limit. Used the card for various expenses beginning XXXX XXXX XXXX. According to the first statement, charged {$10000.00}. Paid {$15000.00} by due date. Was charged interest in the amount of {$200.00}. Called and complained, advised that the balance was paid off within the statement period. I was furious, asked them how a " Credit Card '' accrued interest from day XXXX. They told me this was an installment loan. How can a product that has a {$0.00} balance, is issued a credit card, has a cash back feature on purchases, and not have a defined starting amount, carry a VISA logo, and be accepted anywhere a credit card is accepted be classified as anything other than a credit card? At the point of my 4th statement, I was still not given any clarification, I was denied a payoff and told that it takes 3-4 days to generate a payoff. I have since been charged thousands of dollars in interest at a rate that is XXXX and the carrot on top is that they reduced my credit line so that my credit utilization shows maxed out and my score dropped so I was unable to transfer the balance out. I have been dealing with this trash for over a year now. To further validate my claims that this is a predatory and unscrupulous product, EVEN THE COMPANY THAT LED me to this lists the debt as a CREDIT CARD, not an installment loan. I would like the bureau to step in and stop this extremely deceptive practice and force the company to honor the terms of a CREDIT CARD. I would also like reparation 's be made for the overcharged interest when the balance was paid to {$0.00}. 

It is also of note that when I returned to XXXX XXXX to leave a Buyer Beware review, I found a few similar reviews. When attempting to locate my review and the others that were left, they have all been removed from the site. XXXX
Consumer complaint received 2023-08-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (NJ)

I received two prepaid gift cards, one Visa ( with a {$200.00} balance ), one Mastercard ( with a {$100.00} balance ). Both were purchased from XXXX grocery store by a family member. I followed the instructions and registered my information on the cards at the listed website on XXXX. The back of both cards state that they are " issued by U.S. Bank National Association pursuant to a license from Visa, Inc. '' I tried to use the cards in early XXXX and they were declined. I then tried multiple times to use them on XX/XX/XXXX at XXXX, XXXX, XXXX, XXXX, and XXXX. Every time I tried to use them the cards were declined. I called the XXXX phone number on the back of the card, there is not an easy way to speak to a representative but I figured out that you have to hit zero multiple times to reach someone. The representatives told me that they would clear any blocks so I could use the card after an hour. I tried again that evening at XXXX and the cards were declined. I tried again on XX/XX/XXXX at XXXX, XXXX, and XXXX and the cards were once again declined. I called back and the agent said that you could not use the card on any website where the site " saves '' the card and then hung up on me. This eliminates most major retailers in the US as most websites require you to create a profile and save the card.