davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-15
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)

I accordance with the fair Credit reporting act XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states that 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 an account without my written instructions.

Please removes these negatives off my credit ASAP. 

1. XXXX XXXX ; on my XXXX and XXXX are reporting 2 different " LAST ACTIVE DATES '' in the attached file. 

2. XXXX XXXX ; XXXX, Trans Union and XXXX are all showing inconsistencies with. LAST DATE ACTIVE, LAST REPORTED AND DATE OF LAST PAYMENT 3. XXXX ; XXXX, Trans Union and XXXX are all showing inconsistencies with. LAST DATE ACTIVE, LAST REPORTED AND DATE OF LAST PAYMENT 4. XXXX  ; XXXX, Trans Union and XXXX are all showing inconsistencies with. LAST DATE ACTIVE, LAST REPORTED AND DATE OF LAST PAYMENT
Consumer complaint received 2016-08-25
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: FIRSTBANK PUERTO RICO (PR)

Submitted Case number : XXXX ] on XXXX/XXXX/XXXX bank committed to fix information on credit reports. Which it was corrected on XXXX and XXXX but was not fixed in XXXX which appeared as CHARGE off which I disputed as you instructed if I saw anything incorrect and the dispute came back worse cause now it appears as Placed for collection. I have spent a lot of money on viewing my credit reports and time I subscribed to XXXX which is XXXX paying {$30.00} dollars a month to monitor this correction and has not been corrected. I even communicated directly to the bank with no resolution and my credit is affected because of this. The charge off which is incorrect was eliminated from XXXX XXXX and want it eliminated completly from XXXX. This car was brought in XXXX and we are in XXXX and it still appears in my XXXX account as well. I even have the title for the vehicle which Firstbank sent to me and this information was given to them when I first disputed and still it has not been corrected. Please verify Case number : XXXX ] where First Bank said they are committed to correct my credit reports and have not been done.
Consumer complaint received 2024-01-15
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. (MD)

The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ). The student loans should not be reported on my credit reports by XXXX, XXXX, or Transunion. They should be removed asap as this has hindered me from getting countless approvals for credit cards and car loans and mortgages because of the debt to income ratio. Credit reporting agencies have a duty to follow the law. If they would have followed the law many people would be in better positions. XXXX XXXX, and Transunion are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Transunion, ( Furnisher of information to credit agencies ), whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item that needs to be deleted.
Consumer complaint received 2023-05-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

I have XXXX for a dispute as my last dispute for this company XXXX. I was having a last transaction in my account left from a company XXXX owed to me.but my account was closed. So when they attemtped to return it it went to card ending in XXXX it my closed acct so I never got it. The acct it was attached to was put on Hold awhile ago. Thus I never got it by that I mean my account w the company in question squatetrade had out my acct on hold since XXXX and I couldn't get my XXXX money funds or an even have them returned from XXXX because my account on hold meant I has no say in what happened with anything including even If I wanted my own deductible back. That In question caused the whole situation to become lateness and what it is now. Which is when in XXXX they finally took the hold off and after confirming they would release they said to my bank. Of course from XXXX to XXXX my acct was closed .thanks
Consumer complaint received 2023-05-03
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: Aldous & Associates, PLLC (FL)

i sent a cease and desist to ALDOUS and gave clear written instructions to remove themselves from my consumer report with 4 business days from receiving my notice however they keep referring to the communication as a " dispute ''. i know they are breaking a lot of federal laws especially where the federal law states that an attorney can not be debt collector yet they are trying to collect an alleged debt as a third party debt collector. they are failing to follow very simple written instruction which they have been on notice for more than a month.
Consumer complaint received 2024-04-10
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. (MD)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-01-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I trust this message reaches you amidst your responsibilities. It is with profound dismay that I write to bring to your attention the distressing findings of my recent investigation into my credit report, courtesy of your agency. 

Upon careful scrutiny, I have unearthed unverifiable, invalidated, inaccurate, and questionable items that your agency has negligently failed to ensure were reported with 100 % accuracy. This discovery has not only inflicted severe emotional distress upon me but has also highlighted a blatant disregard for the regulations outlined in the Fair Credit Reporting Act. 

As you are undoubtedly aware, the Fair Credit Reporting Act mandates a 100 % accuracy standard for all information on credit reports. Regrettably, the accounts in question, as identified under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), are in clear violation of this federal statute. 

Attached herewith are copies of all previous correspondences sent in a futile attempt to rectify these glaring inaccuracies. 

I demand immediate action to rectify these violations and ensure the accurate reporting of my credit information. Failure to comply will leave me with no alternative but to pursue all available legal avenues to protect my rights. 

I anticipate your swift response outlining the concrete steps being taken to address and correct these inaccuracies within the next 10 days. 

Thank you for your urgent attention to this matter.
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

on XXXX I contacted the companies and the 3 bureaus and informed them that under federal law your in violation of 15 U.S code 1681n Infamis of pulls 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation I haven't received any response
Consumer complaint received 2024-01-15
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)

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 2016-02-03
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK (PR)

Submitted a fraud dispute. Company called and said they were denying my fraud dispute after the representative said " let me look at which fraud dispute we are talking about. '' First reason, XXXX disputes over the past two years. As if being a victim of fraud was my fault. 
Second reason, multiple disputes at the same merchant. Which merchant? 
Is it my concern if fraudsters go to the same establishment? 
Last " you admitted to setting up a pin number. '' Never did, and last, this is a huge disrespect and great lack of customer service. 

I have requested my account be closed.
Consumer complaint received 2023-08-13
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Personal information incorrect
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)— (NY)

I received a letter from NYS higher education services corporation that a loan was submitted to the collection company XXXX  for a loan taken out on XX/XX/XXXX that was {$3000.00} which I already paid along with 2 others amounting in {$19000.00} and {$27000.00}. The NYS letter has my ex husbands name on it with my social security number. I called NYS and they said it was out of their hands bc it was sent to a collector. I called the collector and told them it was all paid off but now 20 years ago so I do not have the paperwork. Why would they contact me over 20 years and not then? I have no debt and paid off all the other loans so it does not make sense. I XXXX from school in XXXX as a XXXX XXXXr and my ex and I paid off the loans when we sold out townhouse 15 years ago. Up until then we paid them on time each month. What is most concerning is it was his name and my social security number on the first letter sent in XXXX. I called 2 different collection agencies that it was sent to XXXX and XXXX. This is so confusing and I am a XXXX mother who has worked hard post divorce to get my finances in order and have no debt until I saw this from Trellis saying since the pause period has ended for Covid that I owe but does not state on this rent letter how much.
Consumer complaint received 2024-05-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (AZ)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-04-10
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. (TN)

Late notations on my account have never been a common occurrence as I am a responsible and punctual payer. I kindly request your understanding regarding the late remarks on my report, and I am committed to settling them as agreed. I aim to clear all the late remarks on my report, and I am eager to maintain a positive record with you.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this complaint is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2016-09-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Orion Portfolio Services, LLC (PR)

UNEMPLOYMENT HAD NOT ALLOWED ME TO PAY THIS DEBT. AT THE TIME I RECIEVED THE BILL I WAS ON UNEMPLOYED INSURANCE AND I CAN NOT PAY THIS DEBT WITH UNEMPLOYMENT INSURANCE FUNDS. I AM STILL STRUGGLING AND I DO N'T EVEN HAVE UNEMPLOYMENT INSURANCE. I ASK XXXX XXXX TO PLEASE FORGIVE THE DEBT AND TO REMOVE SUCH DEBT FROM ALL CREDIT BUREAUS.
Consumer complaint received 2023-09-01
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: EQUIFAX, INC. (PA)

I XXXX XXXX Notice some unauthorized inquiries appearing on my credit reports I have listed the inquiries below and some supporting documentation. 

1.XXXX XXXX Date of inquiry : XX/XX/XXXX 2. XXXX XXXX Date of inquiry : XX/XX/XXXX 3.XXXX XXXX XXXX Date of inquiry XX/XX/XXXX 4. XXXX XXXX Date of inquiry XX/XX/XXXX 5. XXXX XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX 6. XXXX XXXX XXXX Date of inquiry XX/XX/XXXX 7. XXXX XXXX Date of inquiry XX/XX/XXXX 8.XXXX Date of inquiry XX/XX/XXXX 9. XXXX XXXX Date of inquiry XX/XX/XXXX 10. XXXX XXXX Date Of inquiry XX/XX/XXXX 11. XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2024-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (VA)

Truist Bank XXXX XXXX Dispute Analyst refused to submit my claims to XXXX with the correct Mitigating chargeback codes relevant for my fraud claims as a XXXX for misrepresention l gave them all the documentation & proof provided to their email response & spoke with several managers that the Analyst was promised to respond to my appeal requests as evidence showed that these credit refunds should have been permanent. Managers refuse to reopen the cases & let me speak with the lady who was assisting me with my Provisional credits. I do not owe the bank this money & unless they can provide proof from XXXX  who says Their dept never submitted my claim for investigation that the money needs to be returned back into my account today.
Consumer complaint received 2016-12-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (PR)

When requesting to open a account at XXXX, a report reflected XXXX loans issued under my social security number with an unknown name. These loans were not issued by me. The Company that processed the loan was XXXX. Please help.
Consumer complaint received 2023-08-07
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2016-02-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SANTANDER BANCORP (PR)

I have been charge {$0.00} during a period of five months for a service I did n't activate or even require and which was activated with my consent, even after calling to deactivate the service the service has been charge twice after the first call to deactivate it.
Consumer complaint received 2024-04-10
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. (TX)

I am writing to follow up on my previous communications regarding the correction of a late open account. This serves as the first follow-up attempt to address this matter. 

I understand that administrative errors can occur, but it is imperative that they are promptly acknowledged and corrected to prevent any further complications. The delayed resolution of this issue is not only inconveniencing but also reflects poorly on your organization 's commitment to customer service and accuracy. 

I would appreciate it if you could provide me with an update on the status of the correction and an estimated timeline for its completion. Additionally, if there are any further actions required on my part to expedite the process, please do not hesitate to inform me. With this, I am asking for your assistance to correct this account in my credit file : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$9000.00}.
Consumer complaint received 2024-01-15
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. (NY)

My name is XXXX XXXX I reviewed my consumer reports and noticed that i had one late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of ( XX/XX/2023 ) Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. I have Attached supporting Documentation Below.
Consumer complaint received 2024-01-15
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. (PA)

My name Is XXXX XXXX I reviewed my consumer reports and noticed that i had one late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of ( XX/XX/2023 ). 

Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. 
Please see attachment below.
Consumer complaint received 2024-05-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber (MN)

This debt is not in my name. I never signed any paperwork for this account to orginal creditor or the debt collector. They can not provide any paperwork with my name on it. They list this as an open account and have been adding interest. I did not open this account. They threatened me when I tried to resolve the issue with the debt collector. I explained to them it was not mine and they refused to work with me at that point. I was provided paperwork of charges with no name on it.