davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-31
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. (NC)

According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable and have my full consent to report. Based 15 USC 6802 I was not given proper information on how to opt out per section 1 ( b ) and ( c ). Therefore, I have already contacted the companies to opt out of any current, prior or future reporting. I am now informing your Company that any unauthorized continued reporting will result in legal action. As the accounts which are listed in this letter are my personal information and you DO NOT HAVE MY PERMISSION to report any of it. Furthering reporting by your unaffiliated third party company will be a violation and cause a civil and criminal suit. Please remove the items listed in this letter effective immediately. 
The only verified proof that will be accepted in this process will be proof of the proper notifications through a verifiable source of my rights to opt-out of reporting and instructions on how to do so, with a record of receipt showing it was mailed, delivered and received. These are hereby my formal written instructions on what is acceptable as proof and actions to take. No other validation will be accepted. 
Since your company has taken upon itself to act as my entrusted fiduciary. I have provided you with the instructions to act on my behalf as to what serves my best interest. Failure to do so will result in a federal suit to the fullest extent including compensation based on the FRA section 29.

Here are the inaccuracies I have identified : Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Reason : Do Not consent to this private personal information to be reported. I am opting out of this account being reported prior, present or future. To continue to report after receiving this is in violation of 15 USC 6802 and I do not consent.

Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file.
Consumer complaint received 2023-08-29
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. (AL)

I, XXXX XXXX, previously requested that US BKPT CT AL XXXX be removed from acct as this is fraudulent activity. I originally disputed this claim and Transunion stated that this was verified.They did not provide the means of this verification. 

I took it upon myself to reach out to the US Bankruptcy where they advised that this is not reporting by them and I have provided the documents that were sent to me for proof. 

This is a fradulent as in my previous request they stated that they verified this information and can not tell me who they verified this information with. 

US BKPT CT AL XXXX REF : XXXX Tranunion has continuously defamed my character. I wrote this company to remove this account on XX/XX/2023 and they sent correspondence back stating that this information was verified. I reached out to the bankruptcy court of my region and they stated that they do not report to any credit reporting agencies what so ever that this information may have been provided by a third party XXXX but NOT the bankruptcy court. That means that this company lied and said that this information was verified by the US BANKRUPTCY COURT AND I have proof that it was not. They are also reporting the US BANKRUPTCY COURT AS furnishers which is again not true because the documentation attached is showing that these people do not report this information. This continuous reporting is causing stress and humiliation. I have attached that lettering for your viewing. At this time this continued reporting of my personal information without my consent is causing grave harm to my credit standing. I am stressed that I am not able to obtain housing, cars, or credit card to support my family at this time. They are misreporting my hardship for their companies financial gain. This is causing me to have to pay higher interest rates they I can not afford.
Consumer complaint received 2023-10-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: TAYLOR MORRISON HOME FUNDING, INC. (FL)

Dear Sir/Madam, I am taking secondary home mortgage from Taylor Morrison Home Funding for XXXX. 
Property purchase price is XXXX, Deposit is XXXX & Loan Amount is XXXX. My Credit score is 800+. My closing is on XXXX XXXX. 

As per the lender, we MUST buy points for all secondary mortgages. 
They share Scenario Sheet for each day to know about the discount points only for 3 interest rates XXXX, XXXX & XXXX. As per the scenario sheets, For XXXX Month discounts points varied from XXXX XXXX XXXX XXXX XXXX to get loan for XXXX at the rate of interest rate XXXX. Though I have good credit score & deposit of 66.34 %, I had to pay XXXX $ as discount point for Interest Rate XXXX. 

Couple of questions to understand if lender is fair in his calculations : 1. Is Points mandatory for securing mortgage loan on Secondary Home 2. I don't want to buy any points since I have credit score of 800+ & Deposit made is XXXX XXXX of purchase value. 
3. They have provided me choice to take XXXX, XXXX or XXXX. Since i don't have choice I am opting for XXXX XXXX & they are charging XXXX as discount point but they are not ready to share interest rate with no points. 

Please advise if the lender is correct in their decision or not. 
Answer I recieved from TM home funding is " TMHFs investors dont have Par pricing from our investors based on the structure of the loan you are taking with TMHF in the market today. ''
Consumer complaint received 2023-12-20
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (DE)

THIS IS A SCAM FOR THESE BIG COMPANIES TO PRESSURE ME TO PAY A DEBT I DO NOT OWE!!! 
I HAD XXXX XXXX XXXX AND I CANCELLED SERVICE WITH XXXX AND TURNED IN ALL INTERNET EQUIPMENT. I WENT TO XXXX EVERYTHING WENT SMOOTHLY. I CANCELLED WITH XXXX XXXX TURNED IN ALL EQUIPMENT AND WENT BACK TO XXXX WHERE I AM CURRENTLY. IF I WAS IN THE NEGATIVE, I WOULD NOT BEEN ABLE TO RETURN WITH XXXX AGAIN FOR APPROX. 1.5 YRS NOW ACTIVE AND CURRENT. 
NOW CREDIT CONTROL IS CONSTANTLY DEMANDING I PAY. WHAT I OWE XXXX NOTHING AS I HAVE SPOKE WITH XXXX MANY TIMES PLUS RECEIVING A COUPLE OF GIFT CARDS FROM THEM. WHAT A SCAM.
Consumer complaint received 2022-11-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2024-08-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I have full documentation of transaction. They have cleared the transaction info. 

I was charge over {$1000.00} In interest on money i did not Barrow. 
Want a full refund. Said could not help me. 
They added {$100000.00} to my account by mistake. I did not ask for it. When I saw it on my account i called to correct the issue, returned there money, Then I was charge the {$1000.00} interest. for next 2 months Thanks XXXX XXXX
Consumer complaint received 2022-11-17
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. (IL)

On XX/XX/22, XX/XX/22 ( additional dates/ tracking numbers attached below ) l sent letters to the credit reporting agency and creditors reguarding inaccurate and unknown items in my consumer report. To this day over 30 days later I have not received a response yet. I feel like Im being ignored and taken advantage of my dispute Section 611 ( a ) states that failure to investigate items within 30 days gives reason to delete. Delete these items from my consumer report immediately. The credit reporting agency/creditors also violated 623 ( a ) ( 3 ) - 15 USC 1681b- 15 USC1681e ( b ) - 15 USC 1681a -2 ( A ) ( i ) - 623 ( a ) ( 1 ) ( B ) ( ii ) ( 5 ) They were also supposed to complete all investigations before the expiration period under section 611 ( a ) ( 1 )
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

To Whom It May Concern, I, XXXX XXXX XXXX, am writing to formally dispute the accuracy of information contained within my credit report, as provided by your agency. Upon thorough examination of the report in question, I have identified several discrepancies that necessitate immediate rectification to ensure compliance with the Fair Credit Reporting Act ( FCRA ).

Account Information : Creditor : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX ( XXXX ) ; Not specified ( XXXX ) ; Not specified ( Experian ) Current Balance : {$1000.00} Credit Limit : {$1200.00} Discrepancies : * Inconsistent Account Closure Date : Discrepancies exist regarding the reported closure date of the account. While XXXX denotes the account 's closure as transpiring on XX/XX/XXXX, XXXX and Experian fail to specify a definitive closure date. 
* Varied Payment History Reporting : * XXXX : No instances of late payments are documented. 
* XXXX : Late payments are recorded, including XXXX payment XXXX  days late, XXXX payment XXXX days late, and XXXX payments XXXX  days late. 
* Experian : Late payments are documented, showcasing delinquency spanning various durations - XXXX, XXXX, XXXX, XXXX, and XXXX  days past due. 
* Discrepant High Balance Reporting : Experian reports a highest balance of {$1200.00}, while XXXX and XXXX do not provide analogous information. 
Moreover, it is imperative to note that the validity of this account 's reporting has not been appropriately verified. The accumulation of these inaccuracies has had a profoundly deleterious impact on my credit score, thereby impeding my ability to meet personal and professional obligations and access requisite financial resources. Consequently, I hereby demand the expeditious removal of this account from my credit report in fulfillment of your statutory obligations under the FCRA.

I beseech your immediate attention to this matter and request that a thorough investigation be conducted to rectify the aforementioned discrepancies. Subsequently, I anticipate the issuance of a revised credit report reflecting the accurate and rectified information consequent to the resolution of this dispute.

Please be advised of your legal obligations pursuant to the FCRA to ensure the veracity and integrity of information contained within consumers ' credit files. Your compliance with these obligations is not only imperative but legally mandated.

I appreciate your prompt attention to this matter and await confirmation of the resolution forthwith. 
Respectfully, XXXX XXXX XXXX
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

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 XXXXXXXX has violated my rights. Or a 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 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (GA)

On XX/XX/2024 Navy Federal Took {$4500.00} out of my savings account without my consent or knowledge after verbal agreement. They applied {$3500.00} to one card and paid the other off! I called tried to plea with them that was a non profit check to help me move and that I came in and had agreement to make payments when I deposit check but they disregarded. After pleading with them they applied {$1500.00} back to my account. I called back to ask why the changes not on my report after XXXXdays they told me they will not update my account until I pay it off! Well they messed up and violated the fora law by reporting inaccurate information. They reported I only paid {$150.00} on XX/XX/2024. Well that is totally inaccurate. Ive paid between XXXX XXXX on this card and still have a balance of XXXX impossible! Navy Federal has been over charging me and other minorities triple the rate keeping us high in debt and drastically affecting our credit. I am a victim and I want to file and be apart of this class action lawsuit! Not only this card they have over charged me several times on my other card I recently paid off! I want these accounts off my credit report! I will be alerting others by social media and every other outlets Navy Federal Has Thousands of complaints and its not fair that they get to discriminate over charge and destroy customers and citizens of US! I want compensation for all my pain suffering denial XXXX loss of businesses!
Consumer complaint received 2023-09-19
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. (NC)

XXXX XXXX NA XXXX no permissible purpose / no written consent aggravated identity theft violation of FCRA 15 U.S.C. 1681 XXXX Card XX/XX/XXXX - no permissible purpose / no written consent aggravated identity theft violation of FCRA 15 U.S.C. 1681 XXXX XXXX no permissible purpose / no written consent aggravated identity theft violation of FCRA 15 U.S.C . 1681 XXXX XXXX permissible purpose / no written consent aggravated identity theft violation of FCRA 15 U.S.C. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All inquirers reported to and obtained without my written consent is a violation under the FCRA U.S.C 1681 and aggravated identity theft pursuant to 18 U.S.C. 1028A
Consumer complaint received 2024-06-05
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. (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 XXXX : Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-20
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. (NV)

When I reviewed my credit report, I discovered that these items were erroneous. The credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

Hello please remove this fraud and delete this fraud from my credit report because this was open due to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-29
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. (PA)

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.