davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-04
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. (TX)

n accordance with the Fair Credit Reporting act 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 ( XXXX XXXX XXXX XXXX IS THE ACCOUNT NUMBER IT WAS OPENED ON XXXX XXXX ) ( XXXX XXXX XXXX IS THE ACCOUNT NUMBER IT WAS OPENED ON XXXX XXXX ) ( XXXX XXXX XXXX XXXX IS THE ACCOUNT NUMBER IT WAS OPENED ON XXXX XXXX ) ( XXXX XXXX XXXX XXXX  IS THE ACCOUNT NUMBER IT WAS OPENED ON XXXX XXXX )
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.
Consumer complaint received 2022-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Credit bureaus got mad that I disputed a couple of items. Says investigated when didn't and listed account delinquent 5-8 years old as new. Intentionally trying to cause harm.
Consumer complaint received 2022-09-04
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 XXXX XXXX XXXX Account # XXXX and XXXX XXXX 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
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OH)

I have sent three letters so far requesting for the inaccurate information be removed from my credit report. The bankruptcy in question was dismissed without going to court. The credit bureaus stated they verified that the information was correct. Verified with who? I wrote a letter to the courts and was informed that the courts do not communicate with credit bureaus. That would put the credit bureau in direct violation of the FCRA.
Consumer complaint received 2022-09-03
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: Experian Information Solutions Inc. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize nor consent to these inquiries
Consumer complaint received 2022-06-23
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. (FL)

In accordance with the Fair Credit Reporting act the following XXXX Accounts have violated my rights. 

1. XXXX XXXX, Account XXXX 2. XXXX XXXX XXXX  Account XXXX 3. XXXX XXXX XXXX  Account XXXX 4. XXXX XXXX XXXX XXXX, Account XXXX 5. XXXX, XXXX, Account XXXX 6. XXXX XXXX XXXX Account XXXX 7. XXXX XXXX XXXX XXXX XXXX 8. 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 2022-09-03
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CCF Intermediate Holdings LLC (TN)

shortly after multiple fraud incidents, I was contacted by a loan/ check casher known as " Easy Money, '' In XXXX TN, about a check that bounce in which I owed them money. The man who committed fraud is the man who made me cash the check, shortly after having a verbal disagreement with the company I started receiving threats in the community, and over the phone. There was a pretend telemarket collect call, this man named XXXX XXXX ( may have lied about his name ) sounded similar to the man who made the call. This man pretended to be the American government and threatened to murder my family. Easy Money hired XXXX XXXX ( may have falsified his name ) to seek after me about the verbal disagreement and to have him hurt me, this man XXXX me, and I have yet to be able to solve the issue. This man was reported, but I can't get in contact with anyone about the issue. I know that they collaborated due to the degree of the crime. He sought after me for the company, and there is debt to pay ; there are issues blocking me from paying the debt. I am complaining about the severity of the threats by the company. I do have my own bank statements, showing the failed recovery of the debt, but that level of retaliation is unnecessary. My life isn't to be threatened.
Consumer complaint received 2022-09-03
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. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize nor consent to these inquiries
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

In XX/XX/2022 my account is reported to credit bureaus equifax, XXXX and XXXX  it is current and in good standing. Then in XX/XX/2022 the company reports 90 days past due. Also in XX/XX/XXXX 90 days past due. You cant go from 0days past due to 90 days past due in 30 days. Both months are reported incorrect. When I disputed it they just turned around and said it was correct and closed the dispute. Unless the XXXX agent doesnt know basic math, anyone can see its incorrect.
Consumer complaint received 2022-09-03
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. (OH)

n accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-09-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (PA)

I cancelled my TV subscription with XXXX XXXX because I moved to different area and the new places policy was not to bring that kind of services. I contacted them that I want to cancel the service in XX/XX/2022 I forgot the actual date thats when then said I have to pay {$400.00} to do that because I upgraded to a different services and their policy stated that if I was to cancel within 2 years I will pay. I was not told about that and when I go back on the forms, I didnt sign, someone put XXXX as my signature. I refused to pay and they took money out of my bank account. I disputed it and recently I received an email from a company called Convergent Outsourcing that I owe XXXX XXXX {$990.00}.
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Upon reviewing my updates, there are several unauthorized inquiries and incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are unauthorized and the following personal information were inaccurate and needs to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-03
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)

Sometime in XX/XX/XXXX I spoke with XXXX ( Agent number XXXX ) over the phone with XXXX  XXXX in regards to account number XXXX and requested that the late payment remarks dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX made to my consumer report be removed due to it being non-public private, personal information, violating my rights under 15 USC 6803 A 1 Disclosure of institution privacy policy. Justin denied me the right to control what is allowed to stay or be published to my consumer report also violating 15 USC 6802 - Obligations with respect to disclosures of personal information. I did not give XXXX XXXX any permission to publish such defamatory information. These actions have caused me great emotional harm and serve XXXX as I am unable to utilize my consumer credit appropriately do to the on going abuse XXXX XXXX has created. I am extremely disappointed in XXXX XXXX for doing this to a customer of 7 years who has shown nothing but loyalty to your organization.
Consumer complaint received 2022-09-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

The federal XXXX aid has a different amount owed than Navient. Navient stayes I never paid them and will not show my payment history. They have the incorrect loan amount. XXXX has the correct amount. Navient told me no interest would acrew if I went into forbearance for years and then XXXX plan. 
XXXX has my balance at XXXX and Navient says they bought loans and consolidated them and I owe XXXX. 
I have tried to contact both XXXX and Navient over XXXX times in the past frw years to correct this. 
I paid for over XXXX years on these loans and was told it would be forgiven after XXXX  years on XXXX plan I began in XXXX
Consumer complaint received 2022-09-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC (ID)

i had two accounts with this company. In XXXX i attempted to pay one off i called to make the pay off that was listed online they told me that the amount had changed because they had already started the process to take the next month payment out, and that the process could not be stopped. So i paid the higher amount to get the account paid off. Then in XXXX. I called to set up a automatic payment for XXXX to pay off my second account. i waited all day and there payment never went through so i called them on XX/XX/XXXX and asked them what was going on. they gave me a new amount to pay off. when i explain what had happen they said my bank declined the charge. i spent over 1 hour on the phone talking to 3 different supervisors and none of them were will to help me at all. I offered them to take them money they had started the payment with minus what the quoted me and i would pay the difference and the said no. So i went down to XXXX which is my bank they had no record of declineing any charge and i blocked all charges from this company until they decide to do buisness the right way. i am a XXXX veteran and every dollar counts to me
Consumer complaint received 2022-09-03
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BMO Bank, N.A. (OH)

XXXX XX/XX/2022. After many exchanges of letters with BMO Harris Bank, I was informed that the account I am disputing had been struck off their books and is in the form of a lien which could be straightened out in the future. And that no further actions would be taken. 

I received three " final notices '' all dated XXXX XX/XX/2022. I wonder how there can be final notices when there have not been any " notices '' prior to this. 

BMO Harris has been sued in a class action filing and was convicted on deceitful and unfair practices. I believe that I am a victim of those efforts.
Consumer complaint received 2022-09-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (TX)

There as a fraudulent charge made on my card on XX/XX/XXXX of {$790.00}. Comenity bank refuses to answer the phones. I have waited on hold for over an hour even after being told to wait to speak to an agent.
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXXXXXX 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
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX ( CLOSED ) OPENED ( XXXX XXXX ) Acct # XXXX Acct # XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX & ACCT # 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 US DEPARTMENT OF ED ( CLOSED ) OPENED ( XXXX XXXX ) Acct # XXXX In accordance with the Fair Credit Reporting act US DEPARTMENT OF ED 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 XXXX  XXXX  XXXX  ( CLOSED ) OPENED ( XXXX XXXX ) THIS ACCOUNT DOES'NT BELONG TO ME/NEITHER I KNOW ABOUT THIS ACCT # XXXX In accordance with the Fair Credit Reporting act XXXX  XXXX  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 XXXX XXXX XXXX ( CLOSED ) OPENED ( XXXX XXXX ) ACCT # XXXX In accordance with the Fair Credit Reporting act XXXX 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 THIS ACCOUNT DOES'NT BELONG TO ME NEITHER HAVE I AUTHORIZED IT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ACCT # XXXX THIS ACCOUNT DOES'NT BELONG TO ME NEITHER HAVE I AUTHORIZED IT In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account 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 XXXX  XXXX OPENED ( XXXX XXXX ) ACCT # XXXX ACCT # XXXX THIS ACCOUNT DOESN'T BELONG TO ME PLEASE REMOVE IT In accordance with the Fair Credit Reporting act XXXX  Account # 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
Consumer complaint received 2022-09-03
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. (AR)

FOR THE PAST SEVERAL MONTHS EXPERIAN HAS REPORTED SOME FRAUDULENT ACCOUNTS AND ADDRESSES TO MY CREDIT FILE. AFTER TWO FRAUDULENT ADDRESSES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  WERE REMOVED I NOTICED THAT THESE ADDRESSES ARE REAPPEARING ON MY CREDIT REPORT AND SHOULD NOT BE. I'VE NEVER RESIDED OR ESTABLISHED OPENED ANY ACCOUNTS ASSOCIATED WITH THOSE ADDRESSES. I HAVE SENT EXPERIAN SEVERAL NOTICES REGARDING INACCURATE ADDRESSES AND ACCOUNS BUT EXPERIAN CONTINUES TO VIOLATE THE FAIR CREDIT REPORTING ACT AND MY RIGHTS AS A CONSUMER. THIS IS UNACCEPTABLE NOT TO MENTION THE REPORTING OF TWO FRAUD RELATED ACCOUNTS FROM XXXX XXXX AND XXXX XXXX WHICH EXPERIAN HAS RECEIVED A RECENT POLICE REPORT WITH THOSE ACCOUNTS INCLUDED IN THE POLICE REPORT XXXX XXXX # XXXX
Consumer complaint received 2022-09-03
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: FAIR COLLECTIONS & OUTSOURCING, INC. (OK)

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. | never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I am writing to inform you that I have been a victim of identity theft, which has resulted in numerous fraudulent inquiries and one unauthorized account on my credit report. These were added without my knowledge or consent. 

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 I have filed a report with the Federal Trade Commission XXXX FTC ) regarding the identity theft, and I am requesting the immediate removal of these fraudulent entries to ensure my credit report is accurate.
Consumer complaint received 2022-09-03
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. (AL)

I checked my credit report and found out these accounts does not belong to me and I didn't authorize them to my account until I called Transunion and they refer me to this website to file my complain, Name : XXXX XXXX  XXXX  Date : XX/XX/2022, Name : XXXX XXXX XXXX date : XX/XX/2022, Name : XXXX XXXX, XXXX XXXX date : XX/XX/2022, Name : XXXX  XXXX XXXX XXXX date : XX/XX/2022, Name : XXXX XXXX XXXX date : XX/XX/2022, Name : XXXX XXXXXXXX XXXX date : XX/XX/2022, Name : XXXX  date : XX/XX/2022, Name : XXXX XXXX XX/XX/2022, Name : XXXX XXXX XX/XX/2022 and Name : XXXX date XX/XX/2022, These are the incorrect information I found on my credit report from myannualcreditreport.com
Consumer complaint received 2022-09-03
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. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-09-03
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. (OK)

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. You never had a permissible purpose Under 1681 b number 2. | never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report. *
Consumer complaint received 2022-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (TX)

Good morning, Chase Bank is still posting items out of order in a way that maximizes the number of fees they can charge. They allow some things to go through when the account is negative at their discretion but not others. As a result, I do not have enough money to buy groceries or put gas in my car, because {$400.00} has gone to fees at Chase Bank. Its untenable and predatory.