davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-06
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. (IN)

On XX/XX/XXXX I sent XXXXXXXX XXXX XXXX a letter opting out of reporting. Its been over a month and they are still reporting. As a federally protected consumer, I have the right to opt out per 15 USC 6802. According to 12 CFR Part 1001, the Consumer Financial Protection Bureau ( CFPB ) is mandated to enforce federal consumer financial laws, ensuring the protection of consumers in financial transactions. This is also found in 15 usc 6805. 

By XXXX XXXX XXXX still reporting to third parties AGAINST my consent. Its a violation of my privacy. The Privacy Act of XXXX, specifically under USC 5 U.S.C. 552a and 34 CFR Part 99.. This action violates the privacy protections outlined in the Privacy Act, which governs the collection, use, and disclosure of personal information.

A consumers right to opt out is found 12 CFR Part 1016. 
XXXXXXXX XXXX XXXX duties according to 16 CFR Part 660 to report accuracy, completeness and integrity of information furnished to consumer reporting agencies. XXXX XXXX XXXX has labeled this debt as charged off. A charge off is labeled as a certificate of indebtedness and is technically INCOME per the IRS Publication 4681 ( " Canceled Debts, Foreclosures, Repossessions, and Abandonments '' ). Income is NOT reportable and must be removed. 
Please refer to the letter attached for more laws and violations.
Consumer complaint received 2016-07-07
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Nationstar Mortgage has not applied my payments in a timely manner. My Nationstar mortgage statements do not appear to be correct, they do not correctly reflect my unapplied funds balance. Nationstar still continues to charge me late fees with my account being current. Additionally I have emailed Nationstar requesting account information and a detailed transaction history multiple times, to no avail! Nationstar has also illegally applied late payment charges in excess of the 4 % allowed by law and my contract.
Consumer complaint received 2024-08-16
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. (TX)

Equifax and XXXX conducted an investigation and refused to remove fraudulent rental collection from The XXXX from my report as of XX/XX/year>. Attached is the FTC Report, letter from XXXX XXXX XXXX stating they will remove it from my report, and a letter from The XXXX stating that it is not my debt. I have also attached a hand-signed and notarized Identity Theft Affidavit signed for XXXX. I previously submitted a complaint, but am adding a police report.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AK)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-07-06
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. (IN)

1. On XX/XX/XXXX I sent XXXX XXXXXXXX a letter opting out of reporting on one account and opt out of reporting utilization on another. They have failed to respond. As a federally protected consumer, I have the right to opt out per 15 USC 6802. According to 12 CFR Part 1001, the Consumer Financial Protection Bureau ( CFPB ) is mandated to enforce federal consumer financial laws, ensuring the protection of consumers in financial transactions. This is also found in 15 usc 6805. 

2.By XXXX  XXXX still reporting to third parties AGAINST my consent. Its a violation of my privacy. The Privacy Act of 1974, specifically under USC 5 U.S.C. 552a and 34 CFR Part 99.. This action violates the privacy protections outlined in the Privacy Act, which governs the collection, use, and disclosure of personal information.

3. A consumers right to opt out is found 12 CFR Part 1016. 

4. XXXX XXXX duties according to 16 CFR Part 660 to report accuracy, completeness and integrity of information furnished to consumer reporting agenciesXXXX XXXX XXXX has labeled this debt as charged off. A charge off is labeled as a certificate of indebtedness and is technically INCOME per the IRS Publication 4681 ( " Canceled Debts, Foreclosures, Repossessions, and Abandonments '' ). Income is NOT reportable and must be removed.

5. Please refer to the letter attached for more laws and violations.
Consumer complaint received 2024-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am writing to dispute the following information that appears on my Transunion, XXXX, and XXXX report from XX/XX/XXXX : Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and dont remember authorizing them to make a hard inquiry on my credit report. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and dont remember authorizing them to make a hard inquiry on my credit report. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and dont remember authorizing them to make a hard inquiry on my credit report. 
XXXX from XXXX on XX/XX/XXXX. 
I dont recognize this lender and dont remember authorizing them to make a hard inquiry on my credit report. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
Multiple inquiries were made on my credit report within one day of each other. Please remove all of these unauthorized inquiries immediately. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
My credit report shows multiple inquiries, all within one day of each other. Please remove all of these unauthorized inquiries immediately. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and dont remember authorizing them to make a hard inquiry on my credit report. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and dont remember authorizing them to make a hard inquiry on my credit report. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
My credit report shows multiple unauthorized inquiries, all within one day of each other. Please remove all of these unauthorized inquiries immediately. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
My credit report shows multiple unauthorized inquiries, all within one day of each other. Please remove all of these unauthorized inquiries immediately. 
XXXX from XXXX on XX/XX/XXXX. 
I dont recognize this lender and dont remember authorizing them to make a hard inquiry on my credit report. 
Please reinvestigate these matters and delete or correct the disputed information immediately. Thank you for your assistance.
Consumer complaint received 2024-07-06
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. (CT)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX Balance : {$750.00} XXXXXXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$1900.00} XXXXXXXX XXXX XXXX XXXX Balance : {$7600.00} XXXX XXXX XXXX  Balance : {$0.00} DEPT OF ED XX/XX/2023
Consumer complaint received 2016-07-07
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (WA)

Nationstar Morgtage needs to be reviewed, monitored and stopped in reference to : 1. Harassing inappropriate communication with mortgage holders. 
2. Inappropriate statements being sent to foreclosed mortgage holders. 
3. Unwillingness to work with HUD housing counselor - lack of knowledge on how HARP works, how foreclosure works and over all mortgage process for up to date assistance to mortgage holders. 
Nationstar bought my mortgage in XXXX XXXX and final foreclosure occurred on my property in XXXX XXXX. I was forced into bankruptcy XX/XX/XXXX and the bankruptcy was finalized in XX/XX/XXXX, which canceled my complete mortgage debt bought by Nationstar. Even though my property was foreclosed on in XXXX XXXX and my bankruptcy canceled my mortgage debt ... .Nationstar continues to contact me by phone and letters. There is NO reason for this contact and months after the finalized foreclosure if my property this contact is HARASSMENT! 
Nationstar is also sending inappropriate, misleading financial statements expecting payment for fees and charges Nationstar has accrued due to the foreclosure of my property. Even though Nationstar calls the statement " Informational '' these fees and charges are NOT MY RESPONSIBILITY - so what right does mortgage companies have for sending out misleading and false statements? 
" INFORMATIONAL STATEMENTS '' are wrong and must be stopped ... .how much money has mortgage companies gained from knowledgeable highly targeted seniors???? 
In discussion with housing counselor in WA state I was told to send Nationstar a certified USPS letter telling Nationstar to stop all communication immediately. Nationstar has ignored my letter and has stepped up contact by sending more letter even documents for escrow ... .why????
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, 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.

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 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Source Receivables Management LLC (TX)

REF XXXX IM FILING THIS COMPLAINT AGAINST XXXX XXXX XXXX. THIS DEBT COLLECTION COMPANY IS CRUEL RUBBED VIOLATED MY RIGHTS. 
THIS COMPANY HAS VIOLATED THE FCRA LAW.

THIS COMPANY SENT ME A ALLEGE DEBT FORM FROM XXXX TO COLLECT A DEBT. ACCORDING TO THE FORM STATING TO SEND IT BACK BY XX/XX/2023 TO DISPUTE THE DEBT. 

AFTER I HAVE RECEIVED THE LETTER, I FILLED OUT THE FORM BY I WANT TO DISPUTE THE DEBT BECAUSE I THINK THIS IS NOT MY DEBT AND SEND IT ON XX/XX/2023 back. THE COMPANY RECEIVED MY LETTER ON XX/XX/2023 TRACKING NUMBER XXXX. 
HOWEVER THE COMPANY WISHED TO REPORT THE COLLECTION EVEN BEFORE THE ORGINAL DATE WHICH WAS XX/XX/2023. THE COMPANY REPORTED THE COLLECTION ON XX/XX/2023 VIOLATED MY RIGHTS. 

AS OF TODAY ANOTHER DEBT COLLECTION COMPANY SOURCE RECEIVABLE MANAGEMENT HAS REPORTED TO MY CONSUMER REPORT. 

15 U.S.Code 1681s-2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. The information is, in fact inaccurate.

violation of Law 15 USC 1681 s-2 of your responsibilities as a furnisher of informations, and 15USCode 1681q Obtaining information under false pretenses. ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES SHALL BE FINED UNDER TITLE 18, IMPRISONED FOR NOT MORE THAN 2 YEARS, OR BOTH.

You have caused me and my family severe harm due to your negligence and inaccurate reporting.

YOU WILLFULLY KNOWINGLY REPORTED THIS COLLECTION TO THE CONSUMER REPORTING AGENCIES TO HARM ME. ITS OBVIOUSLY SHOWING THAT IT WAS DONE. 
I WILL SUE YOUR COMPANY FOR VIOLATING MY RIGHTS.
Consumer complaint received 2024-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I would like to add the FTC report to my complaint regarding unauthorized inquiries. I XXXX XXXX XXXX fraudulently obtained my personal information and ran my credit without my consent. They lied about running my credit. I spoke to the companies who are reporting hard inquiries on my credit report, which verified that XXXX XXXX XXXX did request financing using my information. Again, I spoke to individuals at XXXX XXXX XXXX and explained that I verified that they did submit my information to XXXX  and XXXX At that point, they said there's nothing that can be done at this point, and they just washed their hands of the situation. I have been calling the dealership and have been getting completely ignored. The dealership has completely disregarded me. 

I have proof where the salesman acknowledges that my credit was not supposed to be ran again. Please find that attached. 
I would like to note that XXXX has removed the inquiries from my credit report, as they recognize them as being made fraudulently.
Consumer complaint received 2024-07-06
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. (NV)

This is my second attempt to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$560.00}
Consumer complaint received 2024-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/XXXX, I was reviewing my consumer report and I noticed that I had some unauthorized inquiries on my report from companies I have not done business with nor have any accounts with. Here is a list of the unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This account was open sometime last year ( 2023 ) around XXXX or XXXX using my identity without my authorization. I only found out about it because I received a bill statement in the mail around XXXX or XXXX. I have been disputing this account from day one with the credit card issuer and the company that sells the purchased item ( s ). The credit card company ( XXXX XXXX  ) claims that the account is legitimate and I told them that's impossible because I never requested it. They claimed to have a purchase receipt and delivery ticket. Upon requesting those documents, I discovered that the account was opened online and the alleged delivery ticket was by pure coincidence not signed by anyone or at least not me. The unknown subjects purchased some type of gym equipment that supposably was delivered to my old home address and left outside. When or who would deliver something of so much value outside a house without having someone taking possession of it? Everything was impossible because there are always someone at home since I'm a XXXX veteran who's always home with my wife and in laws.
Consumer complaint received 2024-07-06
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. (TX)

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 : Account Number : XXXX Account Name : XXXX/DOFED : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2024-06-28
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. (OK)

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 2019-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CT)

On XX/XX/2019, I mailed a Method of Validation letter to Equifax, exercising my rights as under the FCRA. In my letter I demanded to know specifics of how this bureau arrived at the conclusion that the alleged accounts were verified and therefore listed on my report as accurate. As XXXX XXXX XXXX states, verified means Confirmation of correctness, truth or authenticity by affidavit, oath or deposition. There has been no evidence that this has been followed in any matter. The credit bureau can SAY something has been verified but that does not mean any procedure was followed in ensuring that verification took place. 
It is my understanding that the credit bureaus routinely use a Consumer Dispute Verification Form in attesting to the accuracy of any alleged accounts. Anyone can SAY they obtained verification for one of these forms without checking into the accuracy of the alleged account. 
In accordance with my rights, I sent a letter to Equifax stating that they have not responded in a timely manner and therefore are to delete the following accounts : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX ( 2 accounts ) I am sending this message to the CFPB to monitor and ensure action is taken to satisfactorily resolve this matter.
Consumer complaint received 2024-08-16
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. (FL)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!