davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Hello, I am contacting you today because all three companies XXXX, Equifax and XXXX have violated my rights over a time period and broken the law 15 u.s.c. 1681 a ( 2 ) ( a ) ( ii ) states that experiences and transactions late payments charge offs credit, utilization, inquiries, and other judgments and etc. should not be reported due to the fact that these companies have broken the law, I would like to have automatic deletions and removed from my credit report from all three companies. As a reminder willful noncompliance is also against the law says 15 u.s.c 1681 ( N )
Consumer complaint received 2023-06-26
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. (NY)

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 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 2023-06-25
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. (KY)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items.
Consumer complaint received 2024-10-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IL)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items.
Consumer complaint received 2023-06-27
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)

This is my several endeavor 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. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX, MS XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX, CXXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX Balance : {$830.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$330.00}, XXXX XXXX XXXX XXXX Balance : {$1200.00}, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Reference # : XXXX, XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Consumer complaint received 2023-06-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (OR)

Im writing to ask for your help with US Bank dispute # XXXX to reclaim monies erroneously charged to my checking account by XXXX early XX/XX/2023 in the amount of {$490.00}. 

I filed the dispute on XX/XX/2023. US Bank requested documentation, which I provided. 

On XX/XX/2023, I received a letter from US Bank stating they were reversing the funds and closing the dispute based on insufficient information received, i.e., copies of emails and chat logs between XXXX and myself, copies of the original order with XXXX, tracking number, etc. 

I have, since XX/XX/2023, spoken with several people at US Bank. At your request, I will provide names and dates of each call. 

On XX/XX/2023, I spoke with XXXX at US Bank and was told that my case would be reopened, the funds returned to my account, and the evidence further examined. 

When I called a week later to follow up I was told XXXX should not have said she would reverse the funds because XXXX is not a case processor and that a case processor would be in touch. Please request from US Bank the recording of this call which I was told they keep on file. 

On XX/XX/2023, XXXX XXXX case processor ) left me a message outlining the information she needed to reopen the case. When I returned her call I was told that I could relay the information to the operator and that they would input it into my file. I am told this every time and every time I provide the requested info which they in turn input into the US Bank computer system. However, each time I am told that I can not be put through to a case processor and will need to wait 24-48 hours for a call back that either never comes or that I miss because I dont use a cell phone. 

This exact scenario has occurred several times ( I can provide documented names and dates at your request ), each time Im told I must wait another 24-48 hours for a call back. 

On XX/XX/2023, I spoke with XXXX at XXXX and specifically asked that the case processor ( in their voice mail to me ) leave their direct line ( which I was told by XXXX they have ) so that we can make contact. XXXX said the CP would call back within 24-48 hours and would leave this information in a voice mail. I am still waiting for this call. 

Im asking for your help in getting this case reopened, properly examined and funds ( {$490.00} ) put back in to my account. 

Please let me know if I can provide your office with any additional information or documentation. 

Thank you in advance for any assistance you may provide. 

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX OR XXXX XXXX
Consumer complaint received 2023-06-27
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. (NY)

This is XXXX XXXX XXXX please 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 2023-06-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (OH)

I borrowed {$65.00} from my nephew and he sent the funds to my Venmo account. So I logged into Venmo and tried to transfer the funds to my debit card and I was alerted my account was frozen. So I contacted them on XX/XX/XXXX via Email, Phone and chat via the app and gotten no response, So then I messaged Venmo Support on XXXX and still no response. So I contacted a live agent again XX/XX/XXXX and they informed me I would receive a email on how to unlock my account and I still have not received it. This is not the first time I had issues with this company, Back in XXXX of XXXX I ran into this same problem however I was able to resolve it that day. Also keep in mind during each email and chat session I provided my state issued driver license. Venmo is a Paypal company which I have had an active paypal account for over 10 years. 

I just want my money released, so I can close this account and move on with my life. 
I borrowed this money for my medical condition and I have to suffer and wait to fill my prescription because this company is playing games.
Consumer complaint received 2023-06-27
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. (TX)

Dealt with an incorrect debt collection added to all 3 reporting entities in XX/XX/XXXX. It was {$1500.00} added by XXXX and NOT MY DEBT. Removed from all 3 after disputing! 

Guessing XXXX sold to XXXX XXXX XXXX late last year and the same {$1500.00} showed up in XX/XX/XXXX. AGAIN. STILL NOT MY DEBT! Got it removed from XXXX XXXX XXXX but Experian will not remove the incorrect data. I have no idea why! Have never seen ANY documentation on this debt. Called XXXX twice & they hung up on me both times. 
Please help!
Consumer complaint received 2023-06-25
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. (IN)

I have been a victim of identity theft. There are several inquiries and accounts that were opened fraudulently that I didnt authorize. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX Also In accordance with the Fair Credit Reporting act XXXX Account ( XXXXXXXX/Equifax ) 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 2023-06-25
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CREDIT ACCEPTANCE CORPORATION (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-06-27
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX. Please repair and update.
Consumer complaint received 2023-06-25
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. (IN)

I have been a victim of identity theft. There are several inquiries and accounts that were opened fraudulently that I didnt authorize. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, and XXXX Also In accordance with the Fair Credit Reporting act XXXX  Account ( Experian/Transunion/Equifax ) 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 2024-11-06
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. (SC)

In accordance with the Fair Credit Reporting Act XXXX  Account name XXXX XXXX XXXX XXXX, account number 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. Also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2023-06-27
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. (LA)

Dear Sir/Madam, I am writing to dispute the validation method used by your agency regarding a collection account that appears on my consumer report. The account in question is listed with XXXX ( XXXX XXXXXXXX XXXX  ) and is reported by XXXX, Experian, and XXXX under the account number XXXX. 

Upon reviewing the information on my consumer report, I have noticed inconsistencies regarding the validation and reporting of this collection account across all three credit reporting agencies. This dispute was validated and closed on XX/XX/2023 with verification documents mailed to me. How is that so? Please provide clarity on how an account that clearly reads not verified on my consumer report was validated.
Consumer complaint received 2023-06-27
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. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX. Please repair and update.
Consumer complaint received 2019-03-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

I requested a loan modification workout out in XX/XX/XXXX due to the Department of Treasury approval of a 30 % cut in my pension effective XX/XX/XXXX. I am XXXX and receive social security. Approximate XXXX XXXX my request was denied by a phone call from a rep at Shellpoint Mortgage/XXXX  XXXX ( investor ) informing that Shellpoint offered that my payment be extended for 10 years and reduced to {$640.00} from {$730.00} but the investor denied it and said the only option available is to increase my mortgage and stay at the 7.75 interest rate, and asking that I bring my account current. I am now making partial payments of $ XXXX monthly. I appealed the denial in writing and then on or about XXXX XXXX, I received another phone call from XXXX XXXX ( point of contact ) informing that the first denial was a " computer error '' and still they will not modify because the " numbers don't support it '' and any modification would increase my payment, which is ridiculous. I asked to see all documentation and the calculations of how they arrived at this conclusion. He said he would have Shellpoint make that information available to me. On XXXX. XXXX I attempted to make a payment via phone but was transferred into various loops that said no one was available to speak to me. I believe Shellpoint has no intentions of provide a loan mod. I have $ XXXX in equity and their intent is a financial advantage. I have requested many times that I be allowed to pay my own taxes. That alone would give me some relief. They refuse. My XXXX statement now shows an increase of {$7.00}. While this is minimal, why did my payment increase? One of the issues with this company is that they never put anything in writing and each time I speak to a representative, the story changes.
Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear credit report agency, I am writing to dispute the accuracy of the information contained in my credit report. According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to delete inaccurate information from credit reports -XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX I demand these accounts be deleted from my hard inquieres their unauthorized inquiries If you continue to report this in my credit report it will only compound the legal consequences you will face. I urge you to do the right thing Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-25
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. (GA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of these accounts listed IMMEDIATELY! 

Account Name XXXX XXXX  Account Number XXXX Opened date XX/XX/XXXX Account Name XXXX  Account Number XXXX Opened Date XX/XX/XXXX Account Name XXXX Account Number XXXX Opened Date XXXX Account Name XXXX Account Number XXXX Opened Date XX/XX/XXXX 2018
Consumer complaint received 2023-06-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Self Financial Inc. (MI)

OnXX/XX/XXXX, I paid off and closed a " credit builder '' loan from Self. I am expecting about {$520.00} to be redeposited into my bank account, which they have said will take about XXXX days from the date of closure of my loan account. Around day XXXX, I contacted Self regarding my payout, which they said they are still processing. Today is XX/XX/XXXX, and I still have not received my payout.
Consumer complaint received 2019-03-14
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. (AL)

Last week I submitted a claim for three fraudulent inquiries in my Experian credit file. Experian responded to the complaint telling me those three inquiries werent in my credit which indeed yes they still are on my credit report til this day and I need them. Removed because its against fcra law they are unauthorized and fraudulent