davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-27
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. (TN)

DEPT OF EDUCATIONXXXX acct XXXX XXXXXXXX has also violated my right and in one bureau it is not even there anymore and it should not be In accordance to the FCRA Acct, DEPT OF EDUXXXX acct XXXX XXXXXXXX has also violated my rights without accurate info. 

In accordance to the FCRA acct Account number XXXX has also violated my rights. Without accurate info. This was paid off by another company and closed. Should not be showing on my report. 
In accordance to the FCRA acct XXXX XXXX XXXX XXXXXXXX has violated my rights. Also without accurate info. 
In accordance with the FCRA act XXXX acct XXXX XXXXXXXX has violated my rights. Also without accurate information throughout all 3 Bureaus. 

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

15 U.S.C 1681 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

There has also been identity theft as in some of my names are not correct, or places I have lived. Some of the inquires were definitely not made by me. And this I just found out has happened over the years. They have stolen my deceased fathers identity, mine and possibly my childrens as well. We are part of that XXXX data breach as well. 
I would like them to furnish me back for everything they have done to basically destroy my life ( what it feels like ). I know one report stated I lived in Georgia as well and I looked it up and it was an actual house address. 
I would like something done before I have to step into legal matters. The agencies have given the power of XXXX XXXX over me and me constantly being worried that I will be exploited and jeopardized again. I have not checked my childrens credit because to be honest, I am scared to. 

People have stolen from me and my father ( like I said who is deceased ) and I can not get into his report. But I saw his identity being used and mine just with slight adjustments to our names at times. 
Also the XXXX XXXX XXXX that is not mine. I was only an authorized user on it until my mother in law got rid of her account. 

Please advise. 
Thank you very much.
Consumer complaint received 2023-06-27
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. (GA)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-06-27
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: Bread Financial Holdings, Inc. (CA)

XXXX COMENITYCAPITALXXXX 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 ; I requested XXXX look into the above credit inquiries and they conducted an investigation and they completed it on XX/XX/2023 XXXX I also reported these inquiries throught IdentityTheft. gov. These inquiries are still showing up on my credit report when I never applied to do business with these companies.
Consumer complaint received 2023-06-27
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. (TN)

According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personal, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information which directly conflicts Congressional purposes and reasonable procedures. Prove that I received a delivery of goods ; come to my home and search for the goods they say I received possessions of goods of or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15 U.S. Code 1681 c-2 ( 1 ) ( C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received a delivery of good, services and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft these accounts must be removed and blocked
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. (OK)

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these personal information!! i only have 1 name 1 address etc. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 2023-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (NJ)

I opened a checking account at Truist on Friday XX/XX/23 with an opening deposit of {$50.00}. I changed my direct deposit so that it would go to this bank at the end of this month ( XXXX ). I received e-mail confirmation on Friday that my opening deposit was successful and I had successfully set up XXXX on the account. When I tried to access the account this morning, I received a message that the account was locked. I called the number listed on the message and the customer service agent told me I needed to verify my identity by going into a branch, but the closest branch is in XXXX, almost XXXX hours away by public transit! XXXX XXXX XXXX and do n't drive. On top of this, the branch isn't even open on the weekends so I would have to request unpaid time off to fix this bank error. 

If the bank can't verify my identity they shouldn't open the account and they shouldn't take my money, it's just irresponsible to put all of the burden on the customer in these circumstances. I was going to make this my main bank so took a lot of time to switch everything over and now I won't have access to my funds for at least two weeks with the holiday, which is a real financial hardship for my household. 

It would have been one thing if I was told that I may need to come into a branch to verify identity when I was opening the account : in all honesty, I probably would NOT have opened the account then because the nearest branch is XXXX hours away. But it is predatory for the bank to do this after the account has been opened and funded and my payroll switched over so they can keep my money for longer without any explanation.
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. (PA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXXXXXX XXXX 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.
Consumer complaint received 2023-06-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION (MD)

I conducted a transfer from an account to which I was added as an authorized user ( unbeknownst to me ). I advised Penfed after I looked deeper into the matter. I was then questioned as to where the funds came from and was advised that my accounts would be closed. I was not provided with details after an investigation was concluded.
Consumer complaint received 2023-06-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC. (GA)

On XXXX  I went to XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX in XXXX, GA after filling out a consumer credit transaction application on their XXXX XXXX website. I was unfairly denied based on my credit score by 4 companies whose name follows : Ally Bank, XXXX XXXX XXXX, XXXX, & XXXX XXXX XXXX I am fully aware and overstand my rights as a consumer under the Truth In Lending Act 15 USC 1601 as well as my rights pertaining to Federal Reserve Act 16, sections 1 & 2. I did not benefit from this transaction and due to the misleading adverstisement for a down payment & other factors, I have been without a car since then. This has brought great damage to my livelihood, my family and being able to provide transportation for my children.
Consumer complaint received 2023-06-26
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. (MI)

In accordance with the fair credit report act XXXX account XXXX XXXX Acct number XXXX XXXX XXXX Acct number XXXX XXXXXXXX XXXX  Acct 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 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-03-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Last year I paid over 4400 dollars in escrow shortages and issues when my mortgage co SPS serving misapplied funds reduce principal payment and not to escrows or actual payments. I paid in XX/XX/XXXX ( XXXX ) and again in XX/XX/XXXX XXXX   ) over after they said I still had an escrow shortage. After 3 months and multiple calls, I finally got an outside corporate rep to escalate the issue after my manual calculation showed where the error was in XX/XX/XXXX/ XX/XX/XXXX of last year, I was told my account had been corrected. 

Today I receive a shortage of escrow/escrow analysis document showing not only was the last analysis used ( they had to manually correct it since it was incorrect ) but they show I now have additional escrow shortage. After speaking with an account rep she verified to me that they AGAIN have been misapplying funds and have not taken out escrow out of my payment since XX/XX/2017. I have payment statements showing I have a ZERO escrow shortage and that my payment reflects escrow YET they are still misapplying funds. 

I am very upset and feel these applications issues from last year and now again has put undue strain on me mentally and my marriage. I have ZERO confidence this will be handled. I want to complain about their bookkeeping and their practices of amounts due and owing. If I did not catch this error I feel they would have again asked per the letter for me to pay {$4900.00} and additional charges for shortages. This issue If I have to pay any additional amount would put me at risk of foreclosure because I can not pay additional escrow or payments as it is difficult to make payments. Maybe this is a calculated way to default consumers? 

This company should be fined for the application of funds, improper charges, misleading information, and unprofessional practices. My next recourse if they do not fix this is to hire an attorney and sue for unfair accounting practices and fraud.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (WA)

I had an adverse credit report from XXXX XXXX XXXX. I requested a copy of my credit report. Lexis Nexis gave me a url to use to get my credit report. The problem is that the url XXXX never came up. Several sites with the same url came up but I wasnt able to get my credit report from those sites. I believe Lexis Nexis is not activating the url I need. They said they were unable to verify my information. For the complaint I provided my name, address phone number and last four of my ss number. 

On the original letter I received from Lexis Nexis My Consumer Number is XXXX My Case Number is XXXX
Consumer complaint received 2023-06-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Velocity Portfolio Group (MO)

XXXX XXXX XXXX made a law suit against me on a debt that I do not have. They sent out a packet around XXXX or XXXX of XXXX to be complete concerning the debt. 
I never was associated with the debt or heard of it. I receive a summon to appear in court around XX/XX/XXXX and I explain to the the attorney the debt is not mine and I sent the packet to this company. A new XXXX  date was set in XX/XX/XXXX and there the attorney stated the packet was receive. Now I must go to XXXX  again on XX/XX/XXXX, about this debt with this collection agency. 

It appears to me that this is a game that collection plays in hopes that you do not show up to XXXX to obtain a judgement against you. So they can collected funds from your job or benefits. I have never heard of the CFPB and I pray your services can help me. 
I pay my debts and I have been in this situation in the pass and my bank protected and credit card company protected me. 
There must be something that can keep these collection agencies placing their false information on your credit file. Please inform me what I need to do to protect my self from such collection tactic. Take care and I appreciate any information that can guild me.
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. (TX)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX, XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-12-07
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sunset Management, Inc (SC)

My name is XXXX XXXX. Sunset finance company sent me a live check in XXXX they called me and demanded me to come in when I told them I was gon na be late on my payment I sent them a ceased and desist and they continued to call me multiple times to see when I was going to pay just recently they called me again and said they were sorry I understand That people make mistakes but they have called me numerous times on my account after I sent a cease and desist I called today in spoke with XXXX let her know Of the issue she told me that there's nothing she could have done and that they were all accidents and told me if I wasn't going to set up my remaining payment of {$79.00} that she was going to submit to my credit report and continue to call even after I told her I have a Ceased and desist I would like my account paid in full XXXX balance in this removed off my credit.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Submitting a new complaint with Transunion. On XX/XX/2023, I requested the investigation of the inaccurate information in my report regarding ( XXXX XXXX XXXX XXXX ). Within 10-15 days Transunion responded stating that it was verified through the XXXX  court. However, they did not supply the requested information as requested for review. 

I have the right to receive the proper documents according to the FCRA on who they spoke with, and the documentation used to verify. 

Its puzzling to me that they are reporting Verified, but I contacted the court system and XXXX XXXX who reported that they do not communicate with credit agencies, and XXXX XXXX reported that the information was inaccurate and deleted the information from the file. 

I have letters from both companies on letterhead. 

So, please provide detailed information on how something that doesnt exist is verified. I NEED ACTUAL PAPERWORK FOR REVIEW, NOT GENERIC RESPONSES.
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. (TX)

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX. 
However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Consumer complaint received 2023-06-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: BATON ROUGE FINANCIAL SERVICES, L.L.C. (LA)

I had a court ordered wage garnishment that was effective XXXX XXXX and the last payment was garnished in XX/XX/XXXX. My wages were garnished biweekly yet the loan company never reported a single payment to either of the the credit bureaus. Submitted documentation from XXXX showing the wage garnishment order was paid in full. Every single month these people never reported a payment which showed my payments were late or never received.
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am a victim of identity theft. i have filed a police report and a report with the company. This account was opened without my consent or knowledge. I have the right to be protected by consumer rights laws.