davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-31
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. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2022-08-26
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. (OH)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-08-26
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: Experian Information Solutions Inc. (NC)

in accordance with the Fair Credit Reporting act XXXX Account 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
Consumer complaint received 2024-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I XXXX XXXX XXXX last 4 of ss # XXXX XXXX XXXXXXXX Account Number : XXXX Date fraud began : Date that I discovered it : Total fraudulent amount : XX/XX/XXXX XX/XX/XXXX {$260.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX, XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XXXX XXXX Total fraudulent amount : XXXX Credit Card Opened by the Thief Company or Organization : XXXX XXXX  Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/XXXX XX/XX/XXXX Total fraudulent amount : {$720.00} Credit Card Opened by the Thief XXXX XXXX XXXXwww.identitytheft.govXXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX IDTheftReport Company or Organization : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Date fraud began : Date that I discovered it : Total fraudulent amount : XX/XX/XXXX XX/XX/XXXX {$730.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : Date that I discovered it : Total fraudulent amount : XX/XX/XXXX XX/XX/XXXX {$430.00} i am disputing the following information on my Equifax, XXXX , and XXXX credit report as it in inaccurate and negatively affecting my credit standing. The reported item from the following creditors with the account numbers located above is incorrect due to the identify theft. I did not authorize this account, nor do i owe the claimed amount. This error is causing unnecessary damage to my credit score, which is impacting my financial well being. I am requesting under FCRA 605B ( 15 USC 1681c-2 ) that this inaccurate information be investigated and removed from my credit fi le. I have attached supporting documentation such as my photo ID and proof of address, to verify me and ensure this matter is resolved promptly. I appreciate your immediately attention to this issue and request that i be informed of the outcome of your investigation ASAP.
Consumer complaint received 2022-08-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (CA)

We applied for a mortgage at US Bank on XX/XX/2022. Recently, media reported that XXXX had misreported some credit scores during this time ( https : XXXX ). 

We asked US Bank two times ( once via email to our broker on XX/XX/2022 and again on XX/XX/2022 through the in app messaging service ) to check and see if our scores were affected and they have not replied either time. I believe they owe us the courtesy of a yes/no answer, and if the answer is " yes '', an explanation of how the misreporting affected our mortgage rate. 

Thank you very much.
Consumer complaint received 2024-10-17
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. (OH)

Dear Sir/Madam, I am writing to formally dispute several accounts and multiple hard inquiries listed on my credit report. After reviewing my credit report, I have identified an accounts that I believe to be inaccurate or unauthorized. I am providing the following details regarding the disputed account 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 account number XXXX XXXX bank account number XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX  account number XXXX XXXX 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 Have 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 2022-08-26
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: JPMORGAN CHASE & CO. (OR)

Chase Bank repeatedly offered me deferments, while also reporting my account as further past due than it was, did not address my issues, lied to me repeatedly and while leading me to believe I had, yet again, been approved for a deferment, sold my loan to a third party, who are now attempting to foreclose. When I have, repeatedly, sought to resolve this with them, I have received completely deflecting answers, they now refuse to communicate with me further. When I asked why I was repeatedly offered deferments that I relied upon in good faith, I was ultimately told, " our system was new, so it made a mistake ''. This does not absolve them of Promissory Estoppel or Duty of Good Faith and Fair Dealing. Plus, I relied on this and took no action, until I attempted to resume payments, because I was acting in good faith. They were not, they lied to me during the collection process.
Consumer complaint received 2022-08-26
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. (NY)

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is neither being made in error, nor is my request to block the information being made on material basis of misrepresentation of facts by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 

XXXX XXXX ( ORIGINAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : ACCOUNT NUMBER : XXXX. 
THE BUREAUS ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX. 
XXXX XXXX : ACCOUNT NUMBER XXXX. 
XXXX XXXX : ACCOUNT NUMBER : XXXX ADDRESS : XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2022-08-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC (NC)

I was at XXXX XXXX XXXX  My acct became past due for 3 months I made a payment back in XXXX of XXXX which brought my acct down to XXXX with accounts receivable my acct went to debt collection last year around XX/XX/XXXX and it went to acct receivable management so it got transferred this year in XX/XX/XXXX almost a year later stating I owe XXXX they added fees to the original balance of XXXX my acct was already with a debt collector so how can they charge me almost XXXX I don't owe that and if they transfer from one debt collector to another how can they add that to my original creditor bill your original debt stays the same they can't go back a year later and add XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly.

They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please CORRECT the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-26
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Key 2 Recovery, Inc. (NE)

New and updated information regarding Key2Recovery : For the agent responding, to assume that I, the consumer, would know the passwords allegedly provided would STILL work instead of the agent just providing the password or admit that the company is not well trained to perform day to day operations.

Key2Recovery employees spend more time using abusive and obscene words towards consumers instead of just fixing the problem at hand.

I've had a chance to look over these documents and there is several things I noticed on top of this companies deceptiveness, false and misleading statements, abusive and obscene languages, all clear violations of the Fair Debt Collection Practices Act. 

On top of the company showing a ledger with a XXXX balance. None of these documents show the character amount furnished on my consumer report in the amount of {$1600.00}. I have repeatedly asked for verification of this debt or some type of itemization of each dollar amount of this debt and the ledger provided by Key2Recovery shows proof that this debt collector is using illegal, false and unfair means to collect. 

Because the so called ledger is password protected I have included a screenshot of the XXXX out balance along with the alleged write-off amount. 

I have also included the screenshot of this account on my credit report which I would like to point out two different balances that are not reflected on this ledger.

Key2Recovery has violated 15 USC 1692a by providing an abundance of evidence of abusive, deceptive, and unfair means to collect on this alleged debt.

15 USC 1692d ( 2 ) by using abusive and obscene language from not only this agent insuataing that I should have known the password of both of these documents, but from the agent XXXX XXXX by stating that since she is a manager I shouldn't have to speak with another manager although she could not assist me with the day to day operations. And the deceptiveness of not providing a password to get me to call in where the only focus was to get me to consent to receiving unwanted and unfair calls and emails. Also the misleading that ANY agent of this company would be able to assist but no one was properly trained. This only shows that the reason the document was password protected to began with is so that investigators of the CFPB could not see the next violation which is the false representation of the character amount of this debt by reporting two different amounts that have nothing to do with the alleged password protected ledger which is a violation of 15USC 1692e ( 2 ) ( A ).

I can only imagine the consumers that are being affected by this companies abusive, deceptive and unfair ways.
Consumer complaint received 2022-08-26
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. (MO)

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the Child Support court as the furnisher thats forgery and misleading when the courts dont report this type of account XXXX XXXX XXXX  XXXX Account status Closed Date opened XX/XX/XXXX Account type Open Account Balance details Balance {$3400.00} Balance updated XX/XX/XXXX Original balance {$0.00}
Consumer complaint received 2022-08-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TN)

I recently paid off two loan Mortgages In XXXX XXXX. Prior to paying them off my credit score was XXXX. The two loans were through XXXX XXXX XXXX and XXXX XXXX XXXX. Between XXXX and now my credit score has been reduced 100 points. I have no late payments or derogatory remarks to explain why this took place. The only thing listed on report is my new loan mortgage ( its in good standing ) and Child support, which is also in good standing. The only thing that has changed is the closed Mortgage loan accounts. Ive called all three credit Bureaus and XXXX, but no one can me give an explanation as to why closing those two accounts affected my credit score so negatively. I fully understand that closed accounts can reduce your credit score some. But, losing a XXXX points for paying loans off is unacceptable. My credit score went from XXXX to XXXX
Consumer complaint received 2022-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a natural person, I am a living human being, I have right under 15 USC 16 81. 
XXXX, Transunion XXXX XXXX is governed by 15 USC 1681, and they have violated my rights numerous times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and I did not give XXXX, Transunion XXXX XXXX written permission to furnish these accounts : XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (LA)

I received notification from the credit card company ( citibank ) that my account had been closed. After contacting them to inquire on why the account was closed, they informed me that it had been closed at the request of myself. I had never requested closure of this account so now my concern is my identity has been stolen and someone is making decisions at my behest. I asked the company to provide me with the documentation or phone recording of when this closure was approved and they have disconnected me and gave me no help in identifying how this happens. They have also refused to reopen my account after I informed them that I was not the person who requested the closure. At this point my concern is someone has my identity and the company will not help me in finding how this happened
Consumer complaint received 2022-08-26
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. (TX)

n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXXt # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX and XXXX XXXXXXXX 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