davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-02
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. (NV)

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 : 1.XXXX XXXXXXXX XXXX  ACCOUNT NAME 2XXXX XXXX XXXX  ACCOUNT NAME 3.Department of Treasury XXXX ACCOUNT NAME 4 . XXXX XXXX XXXX ACCOUNT NAME 5 XXXX XXXX XXXX ALL HAVE VIOLATED MY RIGHTS! 15 U.S.C 1681 section 602 A. States I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 Section 604 A section 2 : it also states a CONSUMER reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antidotes 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 information is ina
ccurate.
Consumer complaint received 2023-04-02
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. (PA)

I am not requesting debt validation or a copy of my payment history I am demanding the following late payments to be updated to current due to the following billing errors and Consumer trade and commerce law violations late payments are not legally required to be reported to credit agencies but if reported must be accurate if reported but they fall under transactions and experiences between creditor and consumer pursuant to 15 USC 1681a ( b ) ( d ) ( 1 ) ( 2 ) and 15 usc 1681 ( C ) ( a ) I am also opting out of credit reporting of my personal financial information and Im requesting the limitation of my financial information being share and I do not want any financial derogatory information to be shared please delete all previous derogatory information that has been reported to agencies pursuant to 15 usc 1681s-2 ( a ) failure update account will result in a {$1000.00} fine per violation of U.S codes and consumer rights laws 15 usc 1681n. - Civil liability for willful noncompliance And 15 usc 1681o. Civil liberties for negligent noncompliance u seven days to delete all late payments and all derogatory financial information from my consumer reports
Consumer complaint received 2024-07-19
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)

I recently reviewed my credit report and noticed I had fraudulent accounts and fraudulent inquiries on my report. Please remove these fraudulent accounts and fraudulent inquiries from my report because they are hindering me from obtaining credit. I don't recognize these accounts and inquiries : XXXX XXXX  Account # XXXX Date Opened : XX/XX/XXXX Balance : {$420.00} XXXX XXXX XXXX XX/XX/XXXX {$510.00} Inquiries XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-02
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 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX acct # XXXX and Child Support XXXX, has violated my rights. 15 USC 1681 section 604 A Section 2 also states consumer reporting agencies can not furnish a account without my written instructions. 15 USC 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 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any information related to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-02
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. (NJ)

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 : XXXXXXXX  XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXXXXXX # 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 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 2024-07-19
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. (FL)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Consumer complaint received 2024-07-19
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. (FL)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-19
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. (FL)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Consumer complaint received 2023-04-01
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. (IL)

In accordance with 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  ( Finance ), XXXX XXXX XXXX ( Bank ), XXXX XXXX ( Bank ), XXXX ( Finance ), XXXX IXXXX XXXX  ( Finance ), XXXX XXXX ( Bank ), XXXX XXXX XXXX ( Auto ), XXXX XXXX XXXXXXXX ( Bank ), XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Auto ) , XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Finance ), XXXX XXXX XXXX XXXX Bank ), XXXX Card Services ( Bank ), XXXX XXXX XXXX  ( Bank ) , XXXX ( Bank ), XXXX XXXX XXXX and 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 15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reports containing any of the 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 information is inaccurate.
Consumer complaint received 2023-04-01
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. (NY)

The following inquiries i didn't authorize & is REPORTING INACCURATELY : XXXX reporting the following : - XXXX XXXX XXXX XXXXDATE : XX/XX/XXXX -XXXXXXXX XXXX XXXX DATE : XX/XX/XXXX -XXXXXXXX XXXX DATE XXXX XX/XX/XXXX -XXXX XXXX XXXX - DATE : XX/XX/XXXX Transunion reporting the following : XXXXXXXX XXXX XXXX : DATE : XX/XX/XXXX
Consumer complaint received 2024-07-19
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. (NY)

I am writing this letter to convey my deep dissatisfaction and disappointment with the manner in which your bureau has responded to my identity theft complaints. This issue encompasses not just the theft of my personal data but also the apathetic approach exhibited by your bureau in managing my situation. 

I provided all the necessary documentation such as the FTC report I filed with Federal Trade Commission to prove my innocence and the criminal nature of the actions. Despite the gravity of the situation and the profound impact it has had on my life, the response from your bureau has been alarmingly lackluster. I have received minimal communication regarding the status of my disputes, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by the very institution I relied upon to protect my credit and financial well-being. 

I implore your bureau to take my identity theft case seriously and expedite the investigation process. I request that you thoroughly review the evidence I have provided and promptly remove the fraudulent accounts and transactions from my credit report. Additionally, I ask that you take steps to prevent such incidents from happening in the future, as it is clear that my personal information was mishandled and abused. 

ACCOUNTS : XXXX - XXXX SERVICE XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-02
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 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX 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.

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 veals.

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 2023-04-02
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: Fidelity National Information Services, Inc. (FNIS) (FL)

Incordance 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 {$2400.00}, Acct XXXX {$210.00}, Acct XXXX {$120.00}, Acct XXXX {$2800.00}, Acct XXXX {$2700.00}, Acct XXXX {$79.00} XXXX XXXX ( XXXX XXXX XXXX  ) Acct.- XXXX {$1100.00}, XXXX {$650.00}, XXXX {$390.00} XXXX XXXX XXXX {$47.00} XXXX = {$760.00} {$910.00}. 
these banks along with Chexsystems have cause for all banks to not allow me to open up a bank account with them because Chexsystems is wrongfully reporting inaccuracies and fraudulent information.I need these accounts removed from Chexsystems asap. 
they have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-19
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Lien release
Company: KEYCORP (IL)

On XX/XX/XXXX I called KeyBank to know the status of the loan with an agent. I provided my Social Security number and verified myself with the agent. Then the agent asked me for my phone number to send a text to me for further verification. However, I had never had to to this before and it appear strange. When I gave my phone number, he stated that it was not the right phone number. So, I asked what phone number did the agent have and he refused to tell me. So I gave him another number that was a old landline that would have been the only number that I had ever gave KeyBank and the agent stated that was the wrong phone number which was weird. The KeyBank agent then stated that I would have to go to a branch in-person to verify myself. I then told the agent that there are no key banks in the state of Illinois. The agent stated that would be the only way to get any information regarding the account. I then requested to speak with a manager. The manager came on the phone with a language barrier who was also no help. She advised me that I would have to go to the nearest bank that was XXXX hours away in Michigan. I stated are you serious I do not travel and Im a XXXX XXXX Veteran. The agent stated that was my only option to get any information to my account. 

Im dealing with ongoing fraud with my home which I informed the agent. It appears that someone used my personal information to reach out to KeyBank pretending to be me, and provided a phone number that is not mines to prevent me from obtaining any information to my KeyBank account My reason for contacting KeyBank is because I recently looked in the recorder of deeds and noticed that I have a satisfaction of the loan in XX/XX/XXXX for the KeyBank home improvement loan, and I never received a notice of this prior. So, I wanted to know was the loan charged off and why was I not notified of this previously?
Consumer complaint received 2024-07-19
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: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-19
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)

I am writing to report a violation of my rights under the Fair Credit Reporting Act ( FCRA ). According to 15 USC 1681, Section 604 ( a ) ( 2 ), I have the right to privacy, and a consumer reporting agency can not furnish information about my account without my written consent. Additionally, under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Please update my records to reflect that I was not late for the payments in XXXX, XXXX, and XX/XX/year>. I request that you correct my credit report accordingly. Thank you for your prompt attention to this matter. 

Account number XXXX
Consumer complaint received 2023-04-01
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)

XXXX XXXX ( XXXX ) XXXX CFPB Write up In accordance with the Fair Credit Reporting act XXXX Account XXXX  XXXX XXXX XXXX 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 2023-04-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (VA)

After reviewing my account it appears that I have made {$5800.00} in payments to Exeter finance. The original amount financed was {$10000.00} my current balance is showing {$10000.00} today. There must be some mistake. A customer made {$5800.00} in payments and the loan decreased {$950.00}. Should I contact the FTC or the attorney general? How many other customers have experienced this type of " lending ''? You will be happy to know that not all of your customers are poor. Some can actually hire an attorney. Please correct my account immediately.
Consumer complaint received 2023-04-01
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: CITIBANK, N.A. (TX)

ON XX/XX/XXXX I was approved for a CitiBusiness Advantage Platinum Select Mastercard with Citibank. It was supposed to arrive 7-10 business days. On XX/XX/XXXX before I even received the card, I received a letter in the mail about a Fraud Alert. I contacted Citi and on XX/XX/XXXX and was told the fraud issue was " resolved ''. I finally received the card on XX/XX/XXXX. I opened, activated and registered the card same day attempted to use it 1 time at common, local store, XXXXXXXX XXXX, and immediately had a Fraud Alert. I contacted Citi on XX/XX/XXXX and spoke to Fraud team, it took 45 mins to verify my identity because Citi would not use my primary phone number or any other phone numbers in my home to verify me. They said they can't use the same phone number for verification more than once. However, that is my phone number and the number registered on my account. Finally a supervisor verified my information and cleared the fraud block. 15 mins later I attempted to make my second purchase, another Fraud Block. I called back in again, and the Citi Fraud team refused to verify my identity because they could not use my phone numbers to verify me. I tried my number, my wife 's number, my son 's number, my daughters number. They said their " system '' would not let them use any number and they couldn't verify me. Therefore, I couldn't use the card that literally just arrived in the mail this same day. Having gotten so frustrated after being on the phone with them for 3 hours and transferred around to 3 different departments, I wanted my account closed. They refused to close my account while I had a Fraud block on my account. I told them, they can not force me to keep an open credit account open in my name, against my will. they stated there was nothing they can do. A consumer should not have to go through this much trouble to use a card. Fraud Blocks before the card arrived, Fraud Block for every transaction attempted. I never even got a chance to use the card once before Fraud blocks triggered. American Express and XXXX are nothing like this. Citi is the worst and whatever process they use to supposedly validate a phone number needs changed.