davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (FL)

I sent out a validation letter to validate the information and there was nothing sent for me to validate. I was never given the initial investigation on this matter to even dispute it in the first place. I have nothing in writing to validate that this alleged debt belongs to me.

In pursuant to UCC 3-302 I am requesting the original security signed by me providing you the right to collect on this account. Until you provide me this information you are to cease and desist all communication and collection activities including credit reporting and criminal activity with the postal system unless it is dealing with any request I have made. Also, XXXX out the balance to XXXX dollars leaving me with no responsibility for the alleged debt. 

If nothing is done within 15 days I will proceed with this matter further.
Consumer complaint received 2022-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

According to the FCRA 15 U.S.C. 1681 e ( b ) and 15 U.S.C. 1681 b ( a ) 2 was not given my written instructions XXXX XXXX account number is XXXX .... 

XXXX states balance is {$3100.00} XXXX states balance is {$0.00} equifax states balance is {$3100.00} date opened XXXX states XX/XX/2017 inaccurate XXXX states XX/XX/2017 equifax states XX/XX/2017
Consumer complaint received 2022-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

According to the FCRA 15 U.S.C. 1681 e ( b ) and 15 U.S.C. 1681 b ( a ) 2 was not given my written instructions XXXX XXXX account number is XXXX .... 

transunions states balance is {$3100.00} XXXX  states balance is {$0.00} XXXX states balance is {$3100.00} date opened transunion states XX/XX/2017 inaccurate XXXX states XX/XX/201XXXX XXXX  states XX/XX/2017
Consumer complaint received 2022-06-26
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act, these accounts listed below has violated my rights. 
XXXX account XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX  account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX XXXX in account XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXXXXXX account XXXX 15 U.S.C 1681 sections 602 A. States I have the right to privacy.

15 U.S.C 1981 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-06-26
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: World Acceptance Corporation (TN)

a representative from World Finance called my mother, a reference on my application and told her the total amount owed, the amount thats past due, the payment that needed to be made, how many months I was past due and told her I havent made a payment in XXXX months. This was illegal and never should have happened.
Consumer complaint received 2022-06-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MT)

Capital One wont allow me to close my account out after they told me I could. They again told me that a decision would be made by the XXXX of XXXX after already being told I could close the account. They also are trying to say that I owe them money for transactions I didnt make. They told me I would be able to close the account on a XXXX  when I told them their banks were closed they said they would be open, which resulted in me staying in XXXX XXXX for several more days to retrieve my funds. Also they wouldnt release funds from a transfer that wasnt supposed to have happened. They wont respond via phone or email and have been holding my money for over a year now.
Consumer complaint received 2022-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX and I have a few concerns Based on : 15 U.S. Code 1681 3 ( a ) ( b ) ( c ) 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 ) medical information ; XXXX XXXX Original creditor : XXXX XXXX XXXX Account XXXX Date opened : XX/XX/XXXX Account type : Collection XXXX XXXXXXXX Original creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX. 
Account number XXXX Date opened : XX/XX/XXXX Account type : XXXX Please delete these items as soon as possible! 
Also Transunion has stated that they dont have any information furnished to my credit report and if this is the case then these are not my accounts. 

XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX Account number XXXXXXXX XXXX/DEPT OF ED Account XXXX XXXX XXXX Account number : XXXX XXXX I need more clarity as the reports with the XXXX credit bureaus does not make sense. 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2022-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

According to the FCRA 15 U.S.C. 1681 e ( b ) and 15 U.S.C. 1681 b ( a ) 2 not given my written instructions XXXX account the number is XXXX .... 

transunion says the balance is {$830.00} XXXX says it is {$0.00} XXXX says it is {$830.00} date opened transunion states XX/XX/2017 XXXX  states XX/XX/2017 XXXX states XX/XX/2017 not all equal
Consumer complaint received 2022-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

In accordance with the Fair Credit Reporting Act, XXXX Account Number : XXXX has violated my rights. 


XXXX Account Number : XXXX has violated my rights. 

XXXX XXXXXXXX XXXX  Account XXXX : XXXX has violated my rights. 


XXXX XXXXXXXX XXXX Account XXXX : XXXX has violated my rights. 

XXXX XXXX XXXX Account XXXX : XXXX has violated my rights. 

XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. 

XXXX 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 2024-12-04
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BROKER SOLUTIONS, INC. (TX)

I mailed them a letter requesting debt validation on XX/XX/year>, but they did not respond properly. 
On XX/XX/year>, I then sent a Qualified Written Request for full accounting, and they did not respond within the 30 days allowed by RESPA or the 14 allowed by UCC 9-210.
Consumer complaint received 2022-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

According to the FCRA 15 U.S.C. 1681 e ( b ) and 15 U.S.C. 1681 b ( a ) 2 not given my written instructions XXXX account the number is XXXX .... 

XXXX says the balance is {$830.00} experian says it is {$0.00} XXXX says it is {$830.00} date opened XXXX  states XX/XX/2017 experian states XX/XX/2017 XXXX states XX/XX/2017 not all equal
Consumer complaint received 2022-06-26
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. (MA)

While recovering from a medical illness a few years ago, I was advised to file for bankruptcy. About two to three weeks after filing, I withdrew the application. No decision or verdict made. I withdrew the application for bankruptcy. Transunion penalized my credit score for applying despite changing my mind. That is unfair and restricts consumers from looking at all options when life gets complicated. My credit score for Transunion is XXXX, while it is XXXX for XXXX. Granted, neither is excellent, but at XXXX, I am eligible for a VA loan. 


I filed a dispute, and a decision was made, but I could not access that decision. I called Transunion because I could not log in to access their decision. A representative stated he would provide a temporary password to override the suspension on my account. I tried to log in too many times. He did not follow through. 

Transunion is a colossal company whose credit score affects my life. Yet, its customer service and experience frustrate me when I request help. They are unhelpful and put my life in jeopardy with their determination to limit my access to credit.
Consumer complaint received 2022-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Social Finance, Inc. (IL)

Someone opened a fraudulent credit card account with Sofi using my information on XX/XX/XXXX. On XX/XX/XXXX, I found out about this and called the company. I was told over the phone that the account was closed and I would not be liable for the charges, and that the fraud department would follow up. They never did. I received a notice in XXXX that a payment was due, so I called the company back. They confirmed verbally that the account was closed, but said they could not confirm in writing. They provided me with an email address and a case number. I emailed the address and never heard back. As of today, XX/XX/XXXX, I am still receiving notices about the charges being due. Further, I requested the details of the account in writing ( which they legally have to give me ), but they never responded. Every time I receive a notice, I email customer service and the fraud email address I was given, and I haven't heard back from any of the recipients. This company clearly does not take fraud seriously, and does not follow legal regulations in regards to fraud.
Consumer complaint received 2022-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXXXXXX XXXX  XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX I 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 a account without my written instructions.
Consumer complaint received 2022-06-26
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: Experian Information Solutions Inc. (TX)

Your improper reporting of accounts on my credit profile is causing difficulty for me to obtain credit. I've tried disputing this with you on multiple occasions i requested verifiable proof of these accounts and have yet to receive any. these accounts are not XXXX XXXX compliant and i hereby request that they be removed immediately.
Consumer complaint received 2022-06-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Credit & Collection, Inc. (TX)

I have no information on this account. Showed up on only my XXXX report dropping it XXXX points. It looks like it originated from the county hospital XXXX. I have never received services from this company. In fact I have not been to any hospital since 2000.
Consumer complaint received 2022-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX XXXX XXXX account # XXXX has violated my rights everything must be 100 % accurate. The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active inaccurate and date last reported is not accurate. This is ground for removal they also violated my rights under 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. Also the credit bureaus took more then 30 days.
Consumer complaint received 2022-06-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

could not respond with info about payment asked for history of payment several times never got that info, just received, with all XXXX 's of errors, do you want me to fax this XXXX sheets, please give fax number to much to send mail, this still as not been resolved errors still even on XX/XX/2022 statement, they are still having difficulty proving which one of these four WHAT EVER THEIR GOING TO USE THIS WEEK!!!! NEVER HAS BEEN REPAIRED, BLOCK OUT BY XXXX COMPLAINTS DEPT XXXX AND XXXX THAT KEEP MAKING THE ERRORS AND TELLING YOU THE ACCOUNT HAS BEEN REPAIRED. CAN NOT ACCESS MY ACCOUNT EVER, AUTO SYSTEM, ACCOUNT INFOR STILL WRONG, ON LINE BANKING STILL WRONG BEHIND SEVERAL PAYEMENTS, NOT EVER FIX. HELP THE NEW COMPLAINT IS FOR THE SAME STILL NOW PASSED ON AGAIN TO XXXX????? SAME DEPT. PLEASE HELP.
Consumer complaint received 2022-06-26
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. (NM)

In accordance with the fair credit reporter actXX/XX/XXXX account number XXXX has violated my rights. 

1 ) 15 usc 1681 section 602 8 states i have the privacy 2 ) 15 usc 1681 section 604 2 I also state a consumer reporting agency can not furnish your account without my written instructions. 

XXXX Acct # XXXX Bank XXXX XXXX Acct # XXXX Bank XXXX XXXX Act # xxxxx XX/XX/XXXXAcct # XXXX XXXX Bank Acct # XXXX
Consumer complaint received 2022-06-26
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: Experian Information Solutions Inc. (TX)

Filed a complaint with Experian Credit Report Bureau. Because the Texas Higher Education Board reported XXXX loans on my credit as being late more than 30-days. The thing is that I had all my loans deferred while still in school and XXXX XXXX. I first reported to them and they agreed that it didn't make sense but never did delete it or report the change. So we informed Experian. We feel that Experian did not investigate properly and do their dudiligence of deleting this misinformation. If they would have done the research, they would have seen that all the loans were grouped together and there is about XXXX. XXXX XXXX of them reporting late does not make any sense. If they are grouped together in my payments, they would have all been late together. There has never been any payments on these accounts because they have always been deferred. The information is incorrect reporting and I need it to be deleted.
Consumer complaint received 2022-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX FCU # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX5 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 s-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 2022-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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, Bankruptcy XXXX # : XXXX, Inquiries -XXXX XXXX, XXXX XXXX XXXX  # XXXX, XX/XX/XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX # XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # # # # # XXXX In accordance with the Fair Credit Reporting act Convergent Account # 1234, 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 2022-06-26
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (GA)

Pursuant to 15 USC 1602 ( d ) and 1602 ( h ) my Mother, XXXX of the family XXXX, being a natural person, was unable to engage in commerce and thus never owed any debt. On XX/XX/XXXX, XXXX of the family XXXX was granted an extension of her credit via Freedom Mortgage Corporation. Pursuant to 12 USC 1431 ( a ), since Freedom Mortgage Corporation is a national mortgage bank, they borrow money and never loan. Pursuant to 15 1602 ( c ) the only appropriate way of engaging in commerce is with XXXX XXXX instead of XXXX of the family XXXX and honoring and respecting Uniform Commercial Codes 3-602 and 3-603. Pursuant to 1602 ( k ), the social security number on record should be utilized to credit/off-set the balance of the account to zero. Freedom Mortgage Corporation mailed out correspondences dated XX/XX/XXXX and XX/XX/XXXX acknowledging receipts of payments. Freedom Mortgage declined the payment and according to Uniform Commercial Code 3-603 automatically discharges any debts owed. Each and every payment that has been made towards this mortgage is a violation of 15 USC 1692e ( 2 ) ( A ), 15 USC 1692e ( 4 ), 15 USC 1692e ( 5 ) and 15 USC 1692e ( 10 ). The Mortgage via Freedom Mortgage Corporation is a violation of 12 USC 29.
Consumer complaint received 2022-06-26
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. (TX)

Im sending a letter demanding {$1000.00} for each remaining item Transunion leaves on my credit report. If these items are not removed I will be going ahead with my FCRA lawsuit. I have given Transunion many opportunities to delete this information but now I am left with no choice. An automated computer response will not suffice as an answer. I want a real response from a human being
Consumer complaint received 2022-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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