davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

THESE 5 COMPANIES CHECK MY PERSONAL CREDIT WHEN THE  PURCHASE WAS A CORPORATE PURCHASE OF A VEHICLE. I DID NOT AUTHORIZE THESE INQUIRIES. THE VEHICLE PURCHASE WAS A CORPORATE PURCHASE, NOT A PERSONAL PURCHASE. I HAVE THE SALES CONTRACT THAT SHOWS THE BUYER FOR THE VEHICLE IS XXXX XXXX XXXX XXXX XXXX XXXX, AND IT WAS A CASH PURCHASE:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
THESE COMPANIES DO NOT RESPOND OFTEN; WHEN THEY DO THEY TELL ME WITHOUT AN ACCOUNT THEY CANNOT CORRECT THEIR ERRORXXXX XXXX XXXX AND TRANSUNION TELL ME THAT THE COMPANIES NEED TO REMOVE THE INQUIRY...THE COMPANIES TELL ME THE CREDIT BUREAUS NEED TO REMOVE THE INQUIRY. I HAVE WORKED ON THIS ISSUE FOR A YEARS WITH NO RESULT. THIS HAS DAMAGED MY ABILITY TO DO ANYTHING FINANCIAL, IN THIS LAST YEAR. I WANT THESE FRAUDULENT INQUIRIES REMOVED FROM ALL THREE CREDIT BUREAUS.
Consumer complaint received 2023-10-11
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. (PA)

Acct Name : XXXX Acct # : XXXX To Whom It May Concern : I recently received a copy of my ( Experian, XXXX or XXXX ) credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! 
XXXX account number XXXX Your company is in violation of the FCRA and Metro2 Compliance and reporting violation.

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

On 07/2022 and 07/2023 you reported transactions from account # 6035350230963675 to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports! 
The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of Metro2 compliance!

Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. 

I need the transactions reported on XX/XX/XXXX and XX/XX/XXXX Deleted from my consumer reports effective immediately. Now before you think to reply with validated, letters be clear I am not asking you to validate or verify anything so dont respond telling me that to waste my time!

Furthermore 15 USC 1666b ( a ) ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I had requested the reporting agencies to remove the following accounts due to identity theft roughly 60 days ago and they have not removed it. Since then I have filed another Identity theft report to remove this false information. I did not consent to this information being on my report and I have revoked consent to get this information removed. The accounts goes as follows XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX  Account XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-10-11
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. (PA)

Acct Name : XXXX Acct # : XXXX To Whom It XXXX Concern : I recently received a copy of my ( XXXX, Equifax or XXXX ) credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! 
XXXX account number XXXX Your company is in violation of the FCRA and Metro2 Compliance and reporting violation.

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

On 07/2022 and 07/2023 you reported transactions from account # 6035350230963675 to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports!

The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of Metro2 compliance!

Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. 

I need the transactions reported on XX/XX/XXXX and XX/XX/XXXX Deleted from my consumer reports effective immediately. Now before you think to reply with validated, letters be clear I am not asking you to validate or verify anything so dont respond telling me that to waste my time!

Furthermore 15 USC 1666b ( a ) ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2023-09-26
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. (NY)

The on-going denial of my identity theft claim has caused me prolonged suffering and turmoil. I have been wronged, and my life has been marred by the consequences of unauthorized accounts and transactions that have taken a severe toll on both my financial stability and emotional well-being. I insist that you promptly acknowledge the legitimacy of my identity theft claim and initiate a comprehensive investigation without further delay. The gravity of this situation can not be overstated, and your bureau 's responsibility in this matter is undeniable. 

XXXX OF XXXX XXXX, XXXX OF XXXX XXXX, XXXX XXXX & XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-11
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)

Acct Name : XXXX Acct # : XXXX To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or TransUnion ) credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! 
XXXX account number XXXX Your company is in violation of the FCRA and Metro2 Compliance and reporting violation.

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

On 07/2022 and 07/2023 you reported transactions from account # 6035350230963675 to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports!

The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of Metro2 compliance!

Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. 

I need the transactions reported on XX/XX/XXXX and XX/XX/XXXX Deleted from my consumer reports effective immediately. Now before you think to reply with validated, letters be clear I am not asking you to validate or verify anything so dont respond telling me that to waste my time! 

Furthermore 15 USC 1666b ( a ) ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2022-12-07
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: EQUIFAX, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2024-03-13
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: Experian Information Solutions Inc. (TX)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-07-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: M&T BANK CORPORATION (MA)

M & T Bank is imposing a charge of {$420.00} due to their merge with Peoples United Bank. 
as customer I am not responsible how to run their business. I did not have any loan modification nor have signed anything. 

" We are the successor by merger with Peoples United Bank ( PUB ) effective XX/XX/2022 ''. it's very clear their predatory business practices.
Consumer complaint received 2023-10-11
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. (CA)

I noticed a large collection on my Credit report in XXXX of XXXX with XXXX XXXX XXXX XXXX Account number XXXX for {$15000.00} which was originally from XXXX XXXX XXXX which was attached to XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, CA XXXX. Needless to say I was very alarmed for a few reasons : 1 ). I had moved out and my Ex, XXXX XXXX took over the lease back in XXXX. 
2 ). XXXX XXXXXXXX attempted an unlawful eviction on XXXX by shutting down his ability to pay online and he went to court for it and came to an agreement that he would move out and no monies owed. 
3 ). They told XXXX that they listed itemized repairs of {$1300.00} and back rent owed, which the judgement from the court states they are not able to do this. 

I have attempted to dispute this with the Credit Bureaus on 2 separate occasions : XX/XX/XXXX and XX/XX/XXXX ; both times these institutions had said that the original creditor validated the information despite the ample evidence that I provided to them. 

XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are violating the FRCPA and the FCRA by illegally putting a collection on my Credit report after I moved out and was removed from the lease, but also after my ex boyfriend went to court and came to an agreement that he would move out and no monies is owed. 

Attached to this complaint I have included the documents from the court that XXXX received ( not me as I was removed ) that clearly states XXXX dollars is owed to XXXX XXXX XXXX ( Dated XX/XX/XXXX ). I have also attached documentation from the XXXX XXXX who is an attorney at XXXX XXXX XXXX where it clearly states the record is sealed and done ( Dated XX/XX/XXXX ). I have also included text messages with XXXX notifying me of said information. 

At first, I believed that this is a simple mistake, which is why I tried to dispute it with the Credit Bureaus yet the Credit Bureaus did not seem to look at the documentation which clearly shows that XXXX is not allowed to report this information because it is violation the Court Order. The Attorney who represented XXXX, XXXX XXXX stated to reach out to her if this information ever showed up on a consumer report so they could pursue this illegal collection matter. Before I pursue that route and hire an attorney, I wanted to attempt one last time to see if the bureaus would remove this inaccurate information.
Consumer complaint received 2023-04-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX, I sent a dispute to Transunion for a Debt Contract Request stating : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. On XX/XX/XXXX I followed up with a dispute stating I previously disputed this account stating : " I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. On XX/XX/XXXX I followed up with a Debt Validation Request stating I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. Not once have I received a response from anyone in response to any of the request however Transunion has added the remarks to my credit report as : Account information disputed by consumer, meets FCRA requirements. XXXX deleted from my report on my dispute completed XX/XX/XXXX and XXXX deleted from my report on my dispute completed XX/XX/XXXX. 

In accordance with the Fair Credit Reporting act this account has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Account Name : XXXX Account Number : XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A states : I have a 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 with out 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 conviction of crimes which antedates the report by more than seven years.

15 USC 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 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Why do you keep on closing my complaints?! I've had submitted XXXX complaints now, they are both closed immediately and marked as no longer action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-08-09
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. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-11
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. (FL)

Why do you keep on closing my complaints?! I've had submitted XXXX complaints now, they are both closed immediately and marked as no longer action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-09-02
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. (LA)

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 2023-09-26
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)

I hereby formally request the expeditious removal of inaccurate and unauthorized information linked to identity theft from my credit report, in accordance with the Federal Trade Commission 's identity theft laws, which mandate removal within a four-day timeframe. Additionally, I request the prompt updating of my personal information. 

Account : XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX  XXXX
Consumer complaint received 2023-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (AZ)

Navy federal credit Union XX/XX/XXXX XXXX XXXX {$310.00} a fraudulent charge toward my card. It seems like I keep getting new cards and they keep, no matter what, finding ways to have people fraudulently attack me and my bank account. I shouldn't have to order a new card every month, they don't let me call them or go to there bank branches so I have to pay more fees in ATM and or miscellaneous fees because I simply am not allowed to get any customer service from them. Supposedly in XXXX of XXXX sometime I had a phone call with them and am not allowed to talk to them. I want to know why because they keep harassing and discriminating me so much so I take to social media to vent. I want to know why they just say OOPS literally and make fun of me saying oops like it's not there fault or in my case it most definitely is, but why have I been so mistreated by them and now they are charging me junk fees and getting credit card money that I had to put on my card to start it anyway and they changed the policies and now want to charge me double harassing and calling me everyday saying I am late for a credit card payment. I have never had so many issues with a bank. Please look for footage of a time I went to jail for trespassing in there branch supposedly but the charges were dropped so I can't sue them. I still did weeks in jail for it. Someone owes me time/money. 
Help me in everyway please, I need to get to my business and that's all they interfere with and it's the most annoying thing that n the world ask the president of the United States how annoying I am please. Oh tell em sorry dude, not my fault. Does this deserve Credit?
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.