davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-14
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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
Consumer complaint received 2023-04-21
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. (NC)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CHILD SUPPORT ENF XXXX XXXXXXXX CHILD SUPPORT ENF XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 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 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHILD SUPPORT ENF XXXX XXXX CHILD SUPPORT ENF XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights . 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-02-19
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

Company reported late payment. Late payments are " transactions '' that are ILLEGAL to report. In accordance with the fair credit Reporting act Capital One, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 : A creditor may not treat a payment on a credit card/auto loan account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My credit has been demolished by student loans that arent even in repayment yet and some were taken out when I wasnt even registered or in school. XXXX University was sued by the FTC and didnt stop committing fraud. They took loans out under my name when I wasnt in school and they have had my status as in-school for the past 2 years and I have not been in school at all. Not only do I have student loans taking up 200 % of my credit, XXXX has not stopped with trying to report more recent debt that is not mine by sending threatening collection invoices. I havent even received a degree from them. My credit score is horrible, I can not get a loan, a job, an apt , or anything to get ahead because of the school that isnt even in business anymore. Who is getting money they are billing anyway?? How do they do this to people? Im XXXX and my life is being ruined by this. I have nothing and cant get anything. The department of education, XXXX and XXXX have done nothing in 2 years about this and now its an emergency because I am about to be homeless. I feel like Im going to have a XXXX XXXX every day because of this. Something is wrong, a multitude of people were notified about this and nothing gets done except mailing me bills and threatening letters to further destroy my credit. What is going on in this country? I need someone to help with this, exploit them and get some justice so people can live healthy lives not stressed out and anxiety ridden.
Consumer complaint received 2023-02-19
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. (GA)

Recently filed a dispute with XXXX XXXX about public record information the company was keeping and reselling about me.METRO2 compliance regulations not being followed. In their response they removed the information from my XXXX and XXXX profile. The company verified the information in my TransUnion file. My complaint is that if this information was removed from two of the three credit reports then it should be removed from the other one ( TransUnion ) XXXXThe FCRA criteria and METRO2 compliance standards are the same throughout each bureau, and to XXXX XXXX yet they refuse to remove this negative public record. 15 U.S code 1681e ( b ) says that the information prepared should prepared with MAXIMUM accuracy this item is not. This item also violates FCRA 15 U.S. code 1681e ( E ) ( 1 ) ( a ) ( b ) 1681e ( E ) ( 2 ) ( a ) ( i ) 1681e ( E ) ( B ) all speaks of Procurement of consumer reports FOR RESELLERS.
Consumer complaint received 2023-07-16
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. (VA)

in accordiance with the fair credit reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states i have the right to privacy 15 U.S.C 1681 section 604 A. section 2 it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-06-24
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: DISCOVER BANK (CT)

I have these accounts that are not mine and i want it to be remove from my credit report asap. 

1. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2024-04-11
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

TransUnion LLC XXXX : Office of General Counsel XXXX XXXX XXXX XXXX, XXXX, IL XXXX Dear sir, I have had request from the XXXX XXXX XXXX branch addressed XXXX XXXX XXXX, XXXX XXXX, TX XXXX, to send the enclosed documents to your office. I also enclose the letter of XXXX XXXX XXXXXXXX itself, and my letter to XXXX XXXX
Consumer complaint received 2023-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My XXXX statement for my credit card ending XXXX showed a previous balance of {$920.00} and a payment of {$850.00} leaving a balance of {$74.00} that I was charged interest of {$21.00} or 29.51 %. Clearly usury. The basis listed for interest charges on the statement was {$1100.00} compared to a new balance due with current purchases and the interest charge totaling {$1100.00}. 

I called BofA on XX/XX/XXXX asking how interest is charged on an amount greater than all the new charges and balance due. I was told some obscure formula calculated a daily balance to determine charges. The representative could not explain in detail how it applied to my situation nor why new purchases are subject to carrying even if they occur at the end of the billing cycle. It appears to be a smoke screen for usury.
Consumer complaint received 2024-04-11
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)

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 2018-08-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation (SC)

i was a victim of hurricane irma XX/XX/2017 my address was XXXX XXXX XXXX XXXX XXXX fl XXXX my mortgage company Home point financial advised that they could do a mortgage forbearance for me due to the natural disaster that occurred. 
I had not missed a payment before this but due to the hurricane my work was affected and i had to pay a high deductible for my roof to be replaced. the total amount was over 5000 dollars as well as hotels for my family of XXXX children. all of our groceries were lost due to power being out. I continued the mortgage forbearance until XXXX when i could sell my home and pay off all debts to the lender. i found out after the fact that they were reporting me late to the credit reporting agencies. i can not apply for a loan due to this. i would like this to be noted that i paid my load every month on time before this disaster. i would like to file a complaint against this company since to my understanding from the FHA.gov website during this natural disaster they could not report to the credit companies negative. they have done this and despite a dozen calls and letters to this company they continue to hurt my chances to buy another home due to no fault of my own. the company received their entire mortgage amount and am not able to get another loan due to their reporting.
Consumer complaint received 2018-06-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

I was never notified I could release a cosigner when I asked this specifically. I spoke with a representative and asked if I could do anything to get my cosigner name off the loan. This was several years ago. I have an extra girlfriend on my loans as a cosigner and wanted her name off. That is wrong to not notify me that I could release her.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Collection Management Holdings, LLC (MA)

XX/XX/23 XXXX ID security alert/ XXXX XXXX XXXX : Fraudulent application may be submitted in or my identity may have been used without my consent to fraudulently obtain goods or services. Someone write " I am XXXX XXXX XXXX XXXX XXXX do not extend credit without first verifying the identity of the applicant. I can be reached at XXXX XXXX XXXX .this alert will be maintained on file for 1 year beginning XX/XX/23. 
They used my name, and my phone number.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX XXXX - XXXX, XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX Incorrect Name XXXX XXXX, XXXX, XXXX Incorrect Address - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX EMPLOYER - XXXX XXXXXXXX
Consumer complaint received 2019-03-30
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (UT)

Paid XXXX dollars for each check cashed illegally to be researched. 

There was a total of 4. 

They were XXXX each but since lost because money gram refused to cash them, the replacement sent were XXXX. Then were stolen and cashed at XXXX XXXX. 

Totally not my fault. If they would have just cashed them in the beginning, we wouldn't be in this mess. 

They owe me my full amount. Including the fees.
Consumer complaint received 2024-04-11
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. (GA)

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 : XXXXXXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account XXXX Account Name XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX Account Number : XXXX 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 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/year> I opened an account with XXXX XXXX mortgage and submitted paperwork that I earn money and that I dont have monthly only taking out as I can and I made my payments and then I was late I spoke to them and tried making partial payment and they did not let me so I had to wait till I can make the payment and it became even latter and now they have on my report that I was XXXX XXXX days late which is not true and as I am looking they still have not posted it and or removed the late as I was promised
Consumer complaint received 2024-04-11
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. (UT)

I have disputed unauthorized hard inquiries present on my credit reports provided by XXXX, TransUnion, and XXXX, in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i ( 7 ), 15 U.S.C. 1681 ( e ), 15 U.S.C. 1681 ( b ) ( c ), and 18 U.S.C. 242. I request a thorough investigation into these unauthorized inquiries and their immediate removal from my credit reports. Ive sent letters and yet they still are on my credit report and all three Credit agencies are past their 30 day response to my complaint to my credit report. 
Upon reviewing my credit reports obtained from XXXX, TransUnion, and XXXX, I have identified several hard inquiries that I did not authorize or recognize. These unauthorized inquiries have negatively impacted my credit score and financial standing. 
As per 15 U.S.C. 1681i ( 7 ), XXXX, TransUnion, and XXXX are required to conduct a reasonable reinvestigation of disputed items upon receipt of this dispute letter. Additionally, the inclusion of unauthorized hard inquiries on my credit reports violates 15 U.S.C. 1681 ( e ), which mandates that consumer reporting agencies maintain accurate and up-to-date information on consumer credit reports. 
Furthermore, the unauthorized hard inquiries may also constitute violations of 15 U.S.C. 1681 ( b ) ( c ), which outlines the duties of consumer reporting agencies regarding the accuracy of consumer information, as well as 18 U.S.C. 242, which prohibits deprivation of rights under color of law. 
I am enclosing copies of my credit reports highlighting the unauthorized hard inquiries. I request that XXXX, TransUnion, and XXXX provide me with written notification of the results of the investigation and any actions taken as a result. 
Furthermore, pursuant to 15 U.S. Code 1681g and 16 CFR 660.4, I request updated copies of my credit reports from all three agencies reflecting the removal of the unauthorized hard inquiries. Additionally, I request information regarding the source of these unauthorized inquiries, as provided under 15 U.S. Code 1681 q and 15 U.S. Code 1681b. 
The following Inquires XXXX -15 U.S. Code 1681b XXXX XXXX XXXX  USA INQUIRY DATE : XX/XX/XXXX XXXX XXXX- INQUIRY DATE : XX/XX/XXXX XXXX-15 U.S. Code 1681b XXXX XXXXXXXX XXXX- INQUIRY DATE : XX/XX/XXXX XXXX XXXX XXXX : INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX TRANSUNION-15 U.S. Code 1681b XXXX- INQUIRY DATE : XX/XX/XXXX XXXX INQUIRY DATE : XX/XX/XXXX XXXX  INQUIRY DATE : XX/XX/XXXX XXXX INQUIRY DATE : XX/XX/XXXX Failure to address these unauthorized hard inquiries and adhere to the FCRA 's requirements may result in further legal action, including but not limited to pursuing remedies available under the law.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is 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 2023-08-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

This complaint against Wells Fargo is specific to recently received mail from Wells Fargo relevant to an account which should be closed. And to the fact regarding a phone call to Wells Fargo on XX/XX/2023.in regards to this. Yes my account balance should be {$8800.00}. However in my call to XXXX with the Executive office on XX/XX/2023, she stated that my account balance was only {$3500.00}. On XX/XX/2023 as validated on the record and on my paperwork from Wells Fargo, I requested to XXXX with the Executive Office to immediately close the account and mail a cashiers check to my home address. She confirmed this would be done. For some unknown reason if this account was not closed on XX/XX/2023 as instructed, confirmed, and on record, any transactions since XX/XX/2023 would be fraudulent and at the expense of Wells Fargo. As per recent account paperwork, it seems as if somehow this account remains open. But then again, NOTHING SUPRISES ME WITH WELLS FARGO!!