davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-05
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)

Please be advised I am not disputing the accuracy of the public record. I want the public record deleted because the FCRA Laws not being followed by these companies below. In Accordance with the Fair Credit Reporting Act. These Cooperation 's below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ( XXXX XXXX XXXXXXXX XXXX ) ( XXXX ) XXXX ). 15 USC 1681 section 602 A. States I have a right to privacy. 2 ). 15 USC 1681 section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions. 3 ). 15 USC 1681c Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( XXXX ) Cases under title 11 or under the Bankruptcy Act ( XXXX  XXXX included in the Bankruptcy Act ). Please see attached companies who violated the law and them explaining how they broke the laws. In addition, I have attached XXXX the database where my personal information was obtained from. XXXX stated that don't share personal information to third parties. XXXX XXXX and XXXX are Third parties. You are committing fraud and Infringing my privacy Under the FCRA.
Consumer complaint received 2022-12-05
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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 US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-15
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. (CO)

Equifax was negligent with their security systems that protect my private information from being accessed for fraud. 
My private social security information and credit card information is now in the hands of criminals. 
I was denied access to my security PIN at XXXX PM on XX/XX/XXXX when I attempted to place a freeze on my account. I was never given a PIN in order to " thaw '' my credit. I will have to send my personal information, and possibly money, to an organization that already proved itself incapable of being trusted in order to unfreeze my credit.
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

On XX/XX/XXXX, I sent a letter to Experian notifying them that the below accounts are reporting the wrong account balance, balance history and updated current balance. The balances being reported monthly are false and in fact the information doesn't make sense. For example, in the balance history for all the accounts below they show that a payment was made XX/XX/XXXX. The accounts were supposedly updated each month with a new balance, however, in the balance history the balance " after payment '' is different from the current balance owed. How is it possible for all the accounts to have been paid XX/XX/XXXX but have an update each month with the balance seemly decreasing. This is a clear violation of 15 U.S. Code 1692f - Unfair practices. 

These are the accounts in dispute : CHILD SUPPORT XXXXXXXX XXXX : Account number : XXXX, Balance is wrong, the date of the last payment made is wrong. The balance history is wrong. The balance updated date and current balance owed is false. The information reporting is impossible and doesn't make any sense. 

CHILD SUPPORT XXXX XXXX : Account number : XXXX, Balance is wrong, the date of the last payment made is wrong. The balance history is wrong. The balance updated date and current balance owed is false. The information reporting is impossible and doesn't make any sense. 

CHILD SUPPORT XXXX XXXX : Account number : XXXX, Balance is wrong, the date of the last payment made is wrong. The balance history is wrong. The balance updated date and current balance owed is false. The information reporting is impossible and doesn't make any sense. 

CHILD SUPPORT XXXX XXXX : Account number : XXXX, Balance is wrong, the date of the last payment made is wrong. The balance history is wrong. The balance updated date and current balance owed is false. The information reporting is impossible and doesn't make any sense.. 

CHILD SUPPORT XXXX XXXX : Account number : XXXX, Balance is wrong, the date of the last payment made is wrong. The balance history is wrong. The balance updated date and current balance owed is false. The information reporting is impossible and doesn't make any sense. 

CHILD SUPPORT XXXX XXXX : Account number : XXXX, Balance is wrong, the date of the last payment made is wrong. The balance history is wrong. The balance updated date and current balance owed is false. The information reporting is impossible and doesn't make any sense.
Consumer complaint received 2022-12-05
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. (TN)

I submitted a letter to the 3 Credit Bureaus to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX # XXXX XX/XX/XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2022-12-02
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. (PA)

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 U.S.C 1681. 

1. Account Name : DPT EDXXXX Account # : XXXX XXXX. Account Name : DPT EDXXXX Account # : XXXX XXXX. Account Name : DPT ED/XXXX Account # : XXXX XXXX. Account Name : DPT/EDXXXX Account # : XXXX XXXX. Account Name : US DEPT OF EDXXXX Account XXXX : XXXX XXXX. Account Name : US DEPT OF EDXXXX. Account # : XXXX XXXX. Account Name : US DEPT OF EDXXXX. Account # : XXXX XXXX. Account Name : DPT ED/XXXX Account # : XXXX XXXX. Account Name : DPT ED/XXXX Account # : XXXX XXXX. Account Name : DPT EDXXXX Account # : XXXX XXXX. Account Name : DPT EDXXXX. Account # : XXXX XXXX. Account Name : US DEPT OF EDXXXX. Account # : XXXX XXXX. Account Name : US DEPT OF EDXXXX. Account # : XXXX These accounts have violated my rights as follows : - 15 U.S.C 1681 Section 602 A. States that I have the right to privacy.

- 15 U.S.C 1681 Section 604 A Section 2 : States that a consumer reporting agency can not furnish an account without my written instructions.

- 15 U.S.C 1681 c. Section ( a ) ( 5 ) States that no consumer reposting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

- 15 U.S.C 1681-2 ( A ) ( 1 ) States that 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 2022-12-05
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)

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  has violated my rights 15 U.S.C 1681 section 602 A. States l 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 2022-12-05
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. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is my fourth 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$18000.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Consumer complaint received 2024-09-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

WAS TOLD PAYMENT FOR XX/XX/XXXX WAS MISSED ON THE DAY ( XX/XX/XXXX XXXX ) I PAID {$1300.00}. BANK SAYS I NEED TO PAY {$1700.00} FOR XX/XX/XXXX. I REMINDED THE BANK OF MY OVERAGE IN ESCROW AND REQUESTED THE ALLEGED SHORTAGE BE DEDUCTED FROM IT. BANK REFUSED, I DEMANDED MY ESCROW OVERAGE BE RETURNED IMMEDIATELY AND THEY AGAIN REFUSED A 2ND TIME STATING THEY CANT BECAUSE MY PARTIAL PAYMENT WAS NOT ACCEPTABLE. 

BANK MAILED LETTER STATING MY PAYMENT WOULD BE {$1300.00} BEGINNING XX/XX/XXXX. ALLEGED MISSED PAYMENT WAS NOT {$1700.00} BACK IN XX/XX/XXXX. I BELIEVE THE BANK MISAPPROPRIATED MY XX/XX/XXXX PAYMENT FOR SOMETHING OTHER THAN MORTGAGE. 

I BELIEVE THE BANK IS ATTEMPTING TO STEAL MY HOME DEMANDING ME TO PAY {$1700.00} FOR XX/XX/XXXX WHEN THE PAYMENT WAS ONLY {$1000.00}.
Consumer complaint received 2017-09-15
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. (FL)

I would like to file a complaint against the two credit bureaus, Transunion and XXXX for violation of the FCRA. I am a veteran who was entitled to the XXXX XXXX. I utilized my XXXX XXXX benefit to further my education. I was informed that there was an over payment ( XX/XX/XXXX ). I paid it back ( XX/XX/XXXX ). It appeared on my credit report as two negative items even though it was not a loan or credit transaction. I have received letters from the XXXX XXXX informing that my account was satisfied ( XX/XX/XXXX ). I sent the letter to both credit bureaus along with a dispute of inaccurate information. The item remains as two separate  negative accounts. 
I need them to remove these items.
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX has comeback with a reply to complaint ID XXXX. If XXXX were actually the servicer of the loan at that time and the info they supplied in their response is accurate, they admit that the account was retroactively made current for the months in 2011 that  are reported as late. If this is correct then XXXX needs to then retroact and retract the derogatory statements for that time period because they would in fact be erroneous if the account was in forebearance as XXXX stated in their response. XXXX 's own words attest to the fact the accounts were made current. I have supplied the portion of XXXX reply that substantiates this fact. I am asking that the historical data correctly reflects the proper period of forebearance on my credit reports. I am also asking that the derogatory statements be removed as they are in fact incorrect according to XXXX.
Consumer complaint received 2022-12-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC (AL)

I recently applied online on XX/XX/2022 at XXXX for car loan through carvana.com and the application was approved. With a {$5800.00} down payment I spoke with one of the customer service representatives. I stated to the customer service representative that the down payments are not included into a finance charge under, Title 15 United States Code Section 1605 ( a ) The finance charge does not include charges of a top payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third-party, closing agent, including settlement agents attorneys in escrow and title companies, if the creditor does not require the imposition of the charges, or the services provided, and does not retain the charges. 

I explained to the rep that the down payments are not a part of the consumer credit transaction and are illegal and against the law. when she replied with a rude response then the conversation abruptly ended. 

It is to my knowledge that they are not exempt according to 16 CFR section 433.3. 

They declined me the option to finish the transaction without the down payment.
Consumer complaint received 2022-12-05
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. (GA)

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. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XX/XX/2022 XXXX XXXX MOTORS XX/XX/2022 ; XXXX XX/XX/2022.
Consumer complaint received 2017-09-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (AZ)

The situation at hand started with me wanting to relieve myself from debt with students by accommodating a lower while getting my loans paid for. I previously was working with a company called XXXX. Eventually as time with by, I came across several phone calls asking me if I wanted to sign up with the program of student loan debt forgiveness with XXXX XXXX. Finally entertained the idea because I thought those type of calls were scams but talked about it at work over the phone. The conclusion from that conversation was that I was going to be forgiven from my student loan debt after so many months of paying XXXX XXXX $ XXXX after the initial cost upfront of {$600.00}. As a few months passed working with them, I began receiving letters from FedLoan stating there was {$0.00} being made to my account each month and obviously I became concerned. Reached out to XXXX XXXX to cancel because what they told me then was something different from before. Today, XX/XX/XXXX, I reached out to FedLoan and was explained that XXXX XXXX was a scam service that charges people for the same free services they provide when I explained i I went through them to try and get my loans forgiven. Immediately told me to file a complaint against them.
Consumer complaint received 2022-12-02
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. (CO)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CO XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX  XXXX XXXX Balance XXXX XXXX ; XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX  XXXX Balance : - XXXX XXXX XXXX XXXX XXXX : - ; XXXX  XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX  XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXXXXXX Balance : {$20000.00} ; XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$5700.00} ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX Inquired XXXX XX/XX/XXXX ; TXXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.