davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-13
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. (NY)

My name is XXXX 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 2019-11-14
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. (NC)

Equifax and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX/XXXX - partial account number ****XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue, however I have not been successful.
Consumer complaint received 2023-02-12
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 closed my XXXX Bank credit card over 4 months ago which should have been promptly reported as CLOSED BY CONSUMER but XXXX delayed reporting my account as CLOSED and finally now inaccurately reports my account as Closed By Credit Grantor when it is required by the FCRA and Metro 2 Compliance protocols to report my account as CLOSED BY CONSUMER. I demand Deletion of account and {$1000.00} in statutory damages for willful violations of the FCRA.
Consumer complaint received 2023-02-12
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2019-11-14
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. (NC)

XXXX  and Transunion are incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number ****XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue, however I have not been successful.
Consumer complaint received 2023-02-12
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. (KY)

all of the credit reporting services are reporting false information about XXXX XXXX and XXXX  and XXXX XXXX and XXXX XXXX they have my name listed as my fathers name because we kind of have the same name. he is a sr and i am a jr
Consumer complaint received 2023-02-12
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. (TX)

In accordance to the Fair Reporting Act XXXX Account XXXX, XXXX, XXXX, XXXX, 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 I have a right to privacy.

15 U.S.C 1681 section 604 Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-02-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (VA)

Amsher XXXX XXXX XXXX XXXX, Al XXXX. ( XXXX ) XXXX unlawfully reported {$1300.00} to my personal credit report and the debt belongs to XXXX XXXX XXXX.
Consumer complaint received 2023-02-13
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)

Ive disputed several accounts that are being reported as mine to all three bureaus and they keep saying they have verified them and when I requested information on how and with whom they were able to verify, I get no response at all
Consumer complaint received 2023-02-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (FL)

Received call approx XXXX telling me we owed XXXX to XXXX XXXX, an apartment we rented back in XXXX gent told me we had until XXXX to satisfy debt, or they would report to credit bureau XXXX I received an alert from credit bureau, and it turns out they had aready reported to them. I still have not received any validation of the debt. Now, of course my current lease is up in XXXX, and with this on my credit report, I will not be able to get an apartment..I have bank statements for the last XXXX years showing all my bills paid ( XXXX XXXX  ), and there is no way this charge is valid, and now that apartment building has been sold to new owners.
Consumer complaint received 2023-02-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

After reviewing consumer report, I noticed unauthorized inquiries on my credit report. Below are the companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-12
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. (CA)

I reviewed my consumer report and saw unauthorized inquiries : XXXX ( XX/XX/2021 ) XXXX XXXX XXXX ( XX/XX/2021 ) XXXXXXXX XXXX  ( XX/XX/2021 ) I request to have these removed from my consumer report.
Consumer complaint received 2023-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

To Whom It May Concern : I received a recent copy of my credit report, I am writing to let you know that you are reporting inaccurate, and incorrect addresses, and names on file with your company. 
Please delete this false and misleading information from my credit report immediately Please correct my only address to : XXXX XXXX XXXX XXXX XXXX XXXX  Please correct my only name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my credit report. 
Please remove all the other addresses from my report, as they are not deliverable to by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. Thank you for your time and consideration. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN ONE CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS REMOVE OFF MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2023-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

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 Account # 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 : 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 2023-02-10
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Peer Advisors, LLC (PA)

Im writing this letter on behalf of XXXX XXXX XXXX, XXXX his Power Of Attorney my name is XXXX XXXX. In late XXXX or early XXXX XXXX XXXX XXXX who is my uncle signed into a reverse Morgage with XXXX and they are an XXXX company by XXXX XXXX XXXX XXXX. At the time of signing my uncle was XXXX XXXX XXXX. There is no way my uncle should have qualified for a reverse Morgage. When XXXX XXXX company had my uncle sign documents he did not have have a witness or someone to go over the loan documents with him. I understand the laws that are in place to protect the vulnerable elderly citizens. But in this case, nothing was put in place to protect my uncle. XXXX XXXX company had him sign documents and XXXX XXXX was not aware of what he was signing. My uncle XXXX XXXX XXXX XXXX ) did not know he was signing his house over to Celink/Novad. 

The new services for my uncles loan is Novad Management Consulting FHA XXXX # XXXX. I dont have a date for when the servicing transfer took place. My uncle received a statement with Novad on the letter. No notice of servicing transfer was sent. There is over 1000 complaints on this company.
Consumer complaint received 2023-02-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION (GA)

According to 15 USC 1681 E ( B ). I am entitled to an accurate consumer report. I have disputed these accounts numerous of time and they return as verified. Now, In the State of Georgia the Statute of limitations on a written contract in the State of Georgia is 6 years. Both of these account must be removed off my consumer report immediately. Navy Federal Credit Union Allegedly {$2500.00} high balance. Allegedly Balance owed {$1300.00}. This account must be Deleted immediately. I will file for remedy for reporting inaccurate information on my consumer report.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

1.I have never had an account with this company XXXX XXXX XXXX XXXX XXXX from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are XXXX XXXX XXXX the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

.
Consumer complaint received 2023-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 # 's 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, has violated my rights. 

15 U.S.C 1681 section 602 A. 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 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 2023-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2023, I wrote a check for {$61000.00}. Two days later on XX/XX/2023 I was contacted by the vendor because Chase did not want to honor my check after the funds were already deducted from my account. Chase told the vendor that the check was fraudulent ; while Chase never contacted me via Email or Telephone to verify if I wrote the check. To date, Chase has not returned my funds nor has paid the vendor. Chase is holding my money without just cause.
Consumer complaint received 2023-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX. I have been attempting to clean-up my credit since XX/XX/2022. I have sent letters to all three credit reporting agencies in an effort to have numerous Inquiries removed from my credit. I have not tried to obtain credit, accept pre-approved credit cards to help build my credit. No one had my signed approval to obtain my credit file. 
XXXX. I also hired XXXX XXXX XXXX to assist with the incorrect open collections on my account. They have been successful but there are still collections that are incorrect. There are medical open collections on my account. I have always had insurance. These are not my accounts. I have had surgeries to replace hips. I had insurance and would have paid. 
3, Now almost 15 months have transpired, and my credit report has not improved. I find two more collections on my report. I personally wrote this company and requested copies of documents or invoices with my signature to prove validity. They never provided such and put it on my credit report. I am sending my XXXX correspondence to these agencies. I need help. I am XXXX XXXX XXXX this XXXX and the credit bureaus are hurting me financially for no reason. I am very careful to have no negative remarks under my name.
Consumer complaint received 2023-02-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC (AZ)

Reference # XXXX I am disputing the whole amount I am being charge {$200.00} plus any fees associated with this. 
The XXXX account XXXX associated with this charge, dates from XX/XX/XXXX. On XXXX contacted XXXX, to let them know that I was having trouble with my service, dropping calls and I had no data access even though I was on the unlimited plan, XXXX from technical support gave me ticket # XXXX, said this issue should be fixed and ticket to be completed in 72 hours. 
On XX/XX/XXXX contacted XXXX again with the same issue and other questions regarding my bill. XXXX from Tech took the call. 
XXXX decided to send me a mobile hot spot so I would not drop calls at home or near my house. 
In XXXX I decided to leave XXXX and returned the mobile hot spot. XXXX doesnt not have a very effective way of keeping track of certain transactions and they failed to credit my account. On XX/XX/XXXX I noticed that I had been charged approximately {$200.00} ( XXXX XXXX dollars extra ) I contacted XXXX and I spoke to XXXX and XXXX, one was a supervisor, I asked why the {$200.00} extra charge? I asked him to find out if they had received the mobile hot spot, XXXX said that a port in Texas had received on XX/XX/XXXX at XXXX am Received by XXXX XXXX Delivered to XXXX XXXX Tx XXXX Dock Tracking number : XXXX Again, XXXX has made me waste so much of my time, has put a lot of stress on my life, has given me so much anxiety for the threat that they are going to send this collection and ruin my credit. XXXX received this device shortly after I cancelled my service with them in XXXX. If they had well trained and reliable workers and a reliable way of keeping track of transactions and mainly of returned devices. I believe XXXX has committed lots of fraud with many other customers who do not keep records, those customers either take the hit on their credit report or pay XXXX what they dont owe. I wanted to fight this case because I did not find it fair to have XXXX ruin my credit nor have to pay XXXX for a device ( mobile hot spot ) that I do not owe.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I called the company XXXX XXXX XXXX XX/XX/year> to settle out the account they told me I can settle the account with an amount of {$200.00} and that they would remove from my credit report. I was also told that the call was on a recorded line. Well like a week later they changed my credit report saying that I owed them a balance so I called them back and spoke to the manager and was also told that it would be corrected to what I was told on a recorded line. So now a few days after that they sent me a email stating that my account was placed on a payment plan which is not true. I want this account removed from my account or I will sent legal counsel because I know my rights and they have violated them.