davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Equifax is conspiring with XXXX XXXX. According to XXXX XXXX XXXX XXXX the XXXX XXXXXXXX XXXX was a public safety hazard. XXXX procrastinated the fuel pump repair for months endangering my life. XXXX XXXX supervisors combative and harassment was relentless, they insisted I trade the vehicle to mask the manufacturer allocating hazardous vehicles to my zip code and when I didnt their shenanigans were carried out to prohibit on time payments. For example, the representatives were combative, aggressive, and abusive when I attempted to make payments, I was transferred into the queue and refused supervisor assistance. I would eventually be told after numerous calls the supervisor would call me back within 48-72 hours ; which NEVER happened, and when I called back they would repeat the same, and make me wait another 48-72 hours. I contacted my Maryland Attorney General case XXXX XXXX  XXXX and the XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX. Most important, prior to this XXXX XXXX XXXX, XXXX XXXX me and I had very great credit history.
Consumer complaint received 2024-10-16
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. (GA)

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number XXXX XXXX and list of Inquiries 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 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-10-16
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. (IL)

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account opened with XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, in the amount of {$730.00}, being collected by XXXX XXXX XXXX XXXX. An account opened with XXXX XXXX on XX/XX/XXXX, in the amount of {$220.00}, being collected by XXXX. XXXX, XXXX under the account number XXXX. An account opened with XXXX XXXX on XX/XX/XXXX, in the amount of {$230.00}, being collected by XXXX. XXXX, XXXX under the account number XXXX. 
An account opened with XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$1700.00}, being collected by XXXX XXXX XXXX under the account number XXXX. An account opened with XXXX on XX/XX/XXXX, in the amount of {$210.00}, being collected by XXXX XXXX XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
List of HARD INQUIRIES : XXXX XXXX ( Finance ) on XX/XX/XXXX XXXX XXXX XXXX ( Finance ) on XX/XX/XXXX XXXX XXXX XXXX XXXX ( Auto ) on XX/XX/XXXX XXXX XXXX ( Finance ) on XX/XX/XXXX XXXX XXXX ( Auto ) on XX/XX/XXXX XXXX ( Finance ) on XX/XX/XXXX XXXX XXXX XXXX ( Finance ) on XX/XX/XXXX XXXX XXXX VIA DEALER ( Finance ) on XX/XX/XXXX XXXX ( Bank ) on XX/XX/XXXX XXXX XXXX XXXX ( Finance ) on XX/XX/XXXX XXXX  ( Bank ) on XX/XX/XXXX XXXX
Consumer complaint received 2024-09-23
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Seattle Service Bureau, Inc (SC)

Here is my situation. National Service Bureau XXXX XXXX, Which is a Bonded Collection Services. 
My son had got into an accident, which the vehicle was still in my name, but it was given to him by me. when i gave him this vehicle i told him the insurance i put on my other car, so he needs to have it put in his name and get insurance. So on XX/XX/XXXX he had an accident and they charged me if everything. XXXX XXXX XXXX, is the insurance for the other driver. My son had told them he thought maybe the insurance was still active. 
I never thought anymore about it. On XX/XX/XXXX I had got pulled over, and the XXXX informed me i was driving on suspended license. I had no clue what he was talking a out. 
Anyway he took my license and gave me a court date. he had ask me if i was in a accident last year? XXXX no sir I have not. He explained that is why my license are suspended. I lost my license and have to pay all this money when it was not me. 
I went to court and requested a trial by a jury because i feel I am not reponsible for this. 
I had filed a Notice of vehicle Sold and sent to XXXX. So what do I do?
Consumer complaint received 2024-10-16
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. (VA)

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

On XX/XX/XXXX I pulled my credit report from the credit bureaus and I found alot of inaccurate and misleading information reporting on my credit that I have asked the credit bureaus to investigate correctly and fix but nothing has been been fixed but they tell me that the company is reporting the correct information. I have also asked for proof and deminstrations of the procedure that they have followed to determine that the information was true but they have not.This compand has been reporting Charge off after charge off several times which is a violation of my consumer rights under 15 USC 1681 ( e ) and 15 USC 1681 ( i ). This company has also written this debt off but never sent me a 1099 letter that I have requested. I also am requesting a cease and desist to this company on all communications especially to all 3 credit bureause until they can give me a 1099C and removed this debt off my credit. 
Account info Account name XXXX XXXX XXXX Account number XXXX Account type Secured Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$2.00}, XXXX written off. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2100.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$1700.00} Highest balance {$3500.00} Terms - On record until XX/XX/XXXX Payment historXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is scheduled to continue on record until XXXX XXXX
Consumer complaint received 2024-09-21
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: Experian Information Solutions Inc. (TX)

I am writing to file a formal complaint against [ name of the credit bureau ] due to the unresolved status of previous disputes regarding unauthorized inquiries on my credit report. I have submitted formal disputes on XXXX separate occasions ( [ date of the first dispute ], [ date of the second dispute ], [ date of the third dispute ] ), but I have not received an adequate resolution. I believe the actions ( or inactions ) of the credit bureau constitute violations of the Fair Credit Reporting Act ( FCRA ). 

Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.
Consumer complaint received 2024-09-21
Product: Credit reporting 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 ( Original Creditor : 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.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

was a victim of ID Theft. There are accounts on my Experian Credit Report that are fraudulent and do not belong to me. I have already filed a FTC Report. The accounts are as follows : XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-11-05
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (CA)

In advance this is not a refusal to pay so be advised, that this a notice sent to pursuant to the FAIR DEBT COLLECTION PRACTICE AC, 15 USC 1692g stating that your claim is disputed and validation is requested.

This is NOT a request for verification of proof of contact and mailing information but a request for VALIDATION made pursuant to the above named title and section. With due respect I request that your office provide me with competent evidence that i have any legal obligation to pay you. At this moment I will also inform that if any of your offices have reported invalidated information to any of the 3 prime credit bureaus ( XXXX, XXXX, and XXXX ) this action may constitute fraud under both our State and Federal Laws. Due to this, if any negative markis found on my credit reports by your company or the company you represent, I will not think twice in taking legal action against you and your client for such as : VIOLATION OF THEFAIR CREDIT REPORTING ACT, VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT, AND THE DEFAMATION OF CHARACTER YOU ARE CAUSING. So as such if your LLC can provide with the proper documentation as requested in the following statement, I will require 30 days to investigate this information, during which time all the collection activity must cease and desist. Also during this time if any action is tkane that could be detrimental to any of my credit reports i will consult legal counsel for suit, This includes any listing of information to a reporting credit agency that could be inaccurate. 

If your office fails to respond to this validation request within 30 days from the date of your receipt, all reference to this account must be deleted and removed from my credit file and a copy of such deletion request sjhall be mailed to me urgently. 
Proof of : ownership of ability to collect the debt and when it was made with the chain of assignments and where with the proper SECURITIZATION.
Consumer complaint received 2024-11-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC (GA)

I received insurance claim checks from my insurance company made out to both me and my mortgage company. These checks, totaling over {$100000.00}, were intended to help me pay off my current mortgage and purchase a new home, as my house was totaled in the claim. However, when I called my mortgage company for instructions, they provided me with an incorrect mailing address. Now, the checks are lost in transit, and the mortgage company is unable to locate them. 

I'm facing a critical deadline. Im set to sell the property tied to this mortgage in just XXXX days, and the mortgage must be paid off to finalize the sale. Additionally, Im closing on a new home on XX/XX/XXXX, but I can only proceed with that purchase if this mortgage is resolved. 

Unfortunately, I cant get clear answers from the mortgage company. Ive reached out multiple times, yet no one seems able to locate the checks or provide guidance. Meanwhile, my family and I are without a stable home, and Im doing everything I can to remedy that. The lack of assistance and resolution from the mortgage company has left me feeling frustrated and exhausted. 

Please address this situation urgently and help me resolve it.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

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 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Im writing today because some information reporting on my credit file accounts such as open sky credit card and XXXX  XXXX bank is reporting late payments, which I have statements down below to show I wasnt late, Im asking your company to please immediately remove these late payments. These late payments are damaging my credit report and for me to obtain future credit as well.. 
I have statements for XXXX credit card where is shows I did indeed make payment for XX/XX/XXXX And for XXXX  XXXX bank # XXXX I have statement as well showing I made payment for XX/XX/XXXX XXXX XXXX acct- # XXXX XXXX  XXXX acct # XXXX Thank you
Consumer complaint received 2024-11-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

I completed XXXX balance transfer requests with USAA, the first on XX/XX/XXXX for {$5000.00} ( REF # XXXX ), and the second on XX/XX/XXXX for {$25000.00} ( REF # XXXX ). The USAA promotional offer that I could view through the online account while logged in showed I was eligible for XXXX XXXX  interest for XXXX XXXX for a balance transfer fee of XXXX XXXX. The total transferred was {$7500.00} and the fee for that amount was {$220.00}. I was/am being charged interest of XXXX XXXX effective immediately, and the first month 's interest charge was {$73.00} on my XX/XX/XXXX statement. I called USAA to report the issue at noon on XX/XX/XXXX and spoke with XXXX ; Case ID : XXXX. She advised she could not see the promotion and would have a rep from the XXXX XXXXXXXX XXXX XXXXXXXX contact me. At XXXX on XX/XX/XXXX, XXXX XXXX the XXXX XXXX XXXX XXXXXXXX contacted me and I again explained the issue. I noted again the promo was presented to me while I was logged into my account. She advised she would research the issue and follow-up with me. At XXXX on XX/XX/XXXX XXXX called me back to advise she could not find the promotion I was referencing. Basically accused me of lying and offered me no resolution. I have been a USAA member for XXXX XXXX, first under my parents, and since XXXX under my own account. I have multiple USAA banking and insurance products and I have never missed a payment. I explained that I was being defrauded. There is no rational reason to accept a balance transfer offer and pay a fee only to be charged interest. They have pulled a bait and switch and I'm deeply concerned with USAA 's anti-consumer practice. I was defrauded and I now have no recourse to be refunded the balance transfer fee and interest. If they will not honor the agreement then I will pay off the card, but they must refund me for the balance transfer fees and interest. This is completely unacceptable. I requested management escalation and XXXX refused stating, management does not take calls to speak with members. They will do nothing to help me. I need help, PLEASE!