davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-21
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. (MS)

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account Number : 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 2023-05-21
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SG and Associates (FL)

On XX/XX/2023 I reviewed my credit report and saw a COLLECTION was placed on my credit report. I immediately sent a Certified Mail & Return Receipt on XX/XX/2023 requesting full validation not request for verification of the account nor of my address showing I owe them. XXXX XXXX I received a letter back from Stafford Group & Associates located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX stating to give them 60 days from that date to validate the debt, they also mentioned that they had initiated the process to get proof from the original creditor. I demanded in my letter that they delete false information off my credit report because they can not prove what they are stating on my Credit report and it is Violation of defamation of character. They were given more than enough time to provide such claim. They should not make false claims if they don't have proof beforehand.They received and signed for my Certified mail on XXXX XXXX.
Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (CA)

I reported a fraudulent charge of {$520.00} that occurred on XX/XX/2023 on my Barclays Carnival Credit Card. I submitted a dispute for this charge via the Barclays website as soon as I noticed it in XXXX. I also reported it by calling customer service and they told me my dispute is under investigation for the next XXXX business days. I proceeded to call multiple times in XXXX and XXXX to check the status of the dispute, and they continued to tell me the dispute is under investigation and that the charge itself is on-hold and my account would be " on pause ''. Despite this, Barclays continued to charge my account late fees and interest charges. I called back several times in XXXX and XXXX to ask why I am being charged these fees. Furthermore, Barclays fraudulently reported my credit account as delinquent, even though I had an active dispute investigation ongoing. This negatively affected my credit score and my credit line for this account. In XXXX, I called again once I learned of this, and Barclays admitted their mistake and told me I should have been given a credit for the fraudulent charge much earlier. Barclays fraudulently and incorrectly reported my account as delinquent to credit agencies, even though I have a valid dispute of a fraudulent charge ongoing.
Consumer complaint received 2023-04-14
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: NEXA Mortgage, LLC (MI)

I filed a complaint with DIFS in Michigan. That the agent on my file was discriminatory and biased from Nexa Mortgage. Nexa Mortgage complaince person removed the agent, however never admitted that this agent acted in violation of the law. She did however, demanded that I stay with their company. I disagree. The lender XXXX XXXX has sat quiet the entire process. The circus of performances has been detrimental for me since applying and receiving the approval. As a result I have suffered financial loss, loss of opportunity and severe emotional distress. While we were in the dispute phase. Nexa communicated the DIFS person reliquary. Not that DIFS have closed the file because they say they don't handle commercial disputes. Nexa is back to it's old tricks. And I can't get answer from Nexa or XXXX XXXX. They have prevented me for planning, and moving forward in all capacties.
Consumer complaint received 2023-05-21
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. (FL)

I contacted the below creditors, and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written or verbal I ask that you DELETE these inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purpose of Consumer Reports 15 U.S. Code 1681b in general. Subject to subsection ( e ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (FL)

My mortgage loan was denied during underwriting because LexisNexis reported a foreclosure against individuals of an estate instead of the estate. 

The document clearly states that is the estate of the deceased followed by a ; and the list of names of from the estate. I've reached out to the lender with supporting documents ( XXXX XXXX, Years of Property Taxes, Deed, and Mortgage without my name ) on XX/XX/XXXX  but they haven't made a decision as of XX/XX/2023. The closing on the house is in Jeopardy from this error. 

This hasn't shown up on any other credit report. This report didn't take into account that it was an estate foreclosure and seemed to only read the trigger word " foreclosure '' and the list of names on it.
Consumer complaint received 2023-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (NY)

My Amex optima credit card has been closed by them its not fair when Im a loyal customer they refuse to reopen and closed it without letting me know this account was established to build my credit relationship with them again
Consumer complaint received 2023-05-21
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. (DE)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Disputing : XXXX XXXX XX/XX/XXXX {$1000.00} 15 USC 6802 - Obligations with Respect to Disclosures of Personal Information I DO NOT recall giving XXXX XXXX XXXX XXXX permission to give my personal information to XXXX XXXX. Additionally, I did not give XXXX XXXX permission to report to my credit. 



15 USC 1681 - 15 USC 1681 ( b ) - Reasonable Procedures I DO NOT recall XXXX XXXX XXXX XXXX XXXX XXXX XXXX opportunity to opt out of sharing my information. XXXX XXXX is reporting this account to my credit report fraudulently.
Consumer complaint received 2023-05-21
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. (PA)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT
Consumer complaint received 2023-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I received an alert from a credit report monitoring service. I contacted the company and they notified me that an inquiry had been made on my credit report. Further review determined that a business credit card was opened up with Capital One Bank for an address in Michigan. I did not open a business credit card account in Michigan. I contacted Capital One and had account closed due to fraud and they have submitted case to their fraud department. Making this report to complete process.
Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (CA)

I have contacted Lexus Nexus, XXXX, XXXX, XXXX. about false information reported by Lexus Nexus. I contacted them all XX/XX/23 by phone and certified mail for them to remove this false information. I received a response from XXXX that the information was certified and correct. I asked for proof of this which has not been provided. I know the XXXX Court does not provide information to the reporting agencies or any 3rd party data mining companies to certify. This statement by XXXX is false. This is false information and should be removed ASAP as there was no XXXX XXXX XXXX    that I was involved in. This is putting my business in a bad financial situation and companies like this should not be able to provide false information. XXXX  for helping in getting this resolved.
Consumer complaint received 2023-05-21
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. the list of account below has violated my XXXX protected consumer right to privacy and confidentiality under 15 USC 1681. 

account name : XXXX XXXX XXXX # XXXX. 
account name : XXXX XXXX XXXX # XXXX. 
account name : XXXX XXXX XXXX # XXXX. 
Has violated my rights. 

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

15 U.S.C Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 


15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

Capital one has shared personal private financial information to a debt buyer in which I have not consented to my information being shared. It is prohibited to share transaction history 15 USC 1681b ( 2 ) ( I ) exclusions in reporting containing information solely as to transactions or experiences between the consumer and the person making the report. Capital one is also reporting incomplete and inaccurate information on the behalf of the consumer violating the consumers protection rights and have not shared the right to opt out of reporting. This debt is disputed and I cease and desist all communication from this company and all other companies who have shared my information which is a result of identity theft. the Gram-Leech Bliley Act requires financial institutions ; companies that offer consumers financial products or services like loans, financial or investment advice, or insurance to explain their information-sharing practices to their customers and to safeguard sensitive data. I have also never received tax forms 1099-C The reporting status violates which conspires to tax fraud 18 USC 1028 Fraud and related activity in connection with identification features, and information knowingly and without lawful authority. The malicious intent of willful noncompliance causing damage to my consumer financial reputation without legal justification. Failing to provide proper forms falls under The False Claims Act.
Consumer complaint received 2023-05-22
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. (GA)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-05-21
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)

This letter serves as a formal complaint that you are reporting inaccurate and incomplete formation on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (RI)

On Sunday, XX/XX/XXXX around XXXX, I attempted to use my Care Credit  card at XXXX for a purchase of about {$32.00}. The card was repeatedly declined and the cashier informed me her pc was not giving a denial reason. I logged into my account, and it showed I had a payment due, but {$100.00} was still available to use. I called Care Credit customer setvice, and the first employee explained there was a hold on my card for the overdue payment of {$30.00}. I asked why it showed my card had {$100.00} available to use online, but she could not explain why, just kept repeating I had to make a payment. I asked to speak to a supervisor because I could not make a payment until the next week, and the associate repeated she could not release the hold. The supervisor stated I have been a customer since XXXX, with no record of a late payment, and additional principal payments made toward my balance this year. Regardless, their policy has XXXX exceptions and she refused to assist in any way. I told her to schedule a payment for my full balance and to close my card next week. CareCredit refused to help a customer of 8 years to buy medicine at XXXX in the amount of of {$32.00}, because of a {$30.00} payment that was 8 days overdue. Supervisor showed no interest in saving the account. Good riddance.
Consumer complaint received 2023-05-21
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: Experian Information Solutions Inc. (MD)

I contacted Experian to have them remove a duplicate mortgage loan on my account. I pay my mortgage directly to XXXX but XXXX is listed as a new mortgage account. This is affecting my debt to income ratio as my mortgage is only {$150000.00} as of XX/XX/XXXX. It is illegal to have a debt listed twice under 2 different companies.
Consumer complaint received 2023-05-22
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. (FL)

I have hard auto loan inquiries and I havent requested nor tried to purchase a car. I contacted each company directly to inform them it wasnt me and was told to either file a police report or theres nothing they can do. I sent off a dispute letter to Transunion, XXXX and XXXX and they are still reflecting on my account. 
XXXX XXXX  Inquired on XX/XX/2023 XXXX XXXX  Inquired on XX/XX/2023 -XXXX  XXXX XXXX XXXX Inquired on XX/XX/2023 -XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX  XXXX XXXX on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 -XXXX  XXXX  Inquired on XX/XX/2023 -XXXX  XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX  XXXX  Inquired on XX/XX/2023 - XXXX XXXX XXXX XXXX Inquired on XX/XX/2023
Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lendmark Financial Services (GA)

XX/XX/XXXX, my Lendmark Financial Account was settled for a little over {$6000.00} and was to show as settled on my credit reports. The loan that was opened XX/XX/XXXX was to be closed and merged with the loan fromXX/XX/XXXX  to be one loan. They are showing as 2 negative marks on my credit with one showing a last payment ofXX/XX/XXXX which is incorrect.
Consumer complaint received 2023-04-14
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. (CA)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 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 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 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 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 XXXX
Consumer complaint received 2023-05-21
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 filing a formal complaint against XXXX for violations of 15 USC 1681b, which pertains to permissible purposes under the Fair Credit Reporting Act ( FCRA ), as well as violations of the Privacy Act of 1974. It has come to my attention that XXXX shared my personal information with a third party, namely TransUnion, without a valid permissible purpose. 

The specific details of the violation are as follows : Violation of 15 USC 1681b ( Permissible Purposes ) : Unauthorized Sharing of Personal Information Lightstream, without a valid permissible purpose, shared my personal information with TransUnion. This unauthorized sharing of my personal information is in direct violation of 15 USC 1681b, which outlines the permissible purposes for which consumer information can be shared. I have not authorized XXXX to disclose my information to any third party, and this violation raises concerns about the protection of my privacy and the security of my personal data. In addition, this action may have adverse consequences on my creditworthiness and overall financial well-being. Therefore, I strongly urge XXXX to immediately cease any further sharing of my personal information with unauthorized third parties and to take appropriate measures to prevent such unauthorized disclosures in the future.
Consumer complaint received 2023-04-10
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. (SC)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' I have already disputed these accounts, but the bureaus did not remove them, nor prove validation. 

Sec. 602 " I have a right to privacy ''. 

XXXX Account XXXX : XXXX Please remove it from my credit report. 

13. The following account is not mine XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

14. The following account is not mine XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15. The following account is not mine Account Number : XXXX Please remove it from my credit report. 

16. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

17. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

18. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

19. The following account is not mine XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.