davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-12
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. (AZ)

It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.
Consumer complaint received 2023-10-12
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. (FL)

IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX # XXXX AND XXXX XXXX XXXX  XXXX # XXXX ALSO XXXX XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTON 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 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX # XXXX AND XXXX XXXX XXXX  XXXX # XXXX ALSO XXXX XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTON 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 2023-04-18
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. (FL)

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.
Consumer complaint received 2023-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma (MI)

I have a Notarized Power of attorney to be able to handle my sons banking -as told was necessary -he is XXXX and needs his money to retain legal representation-He banks with credit karma and its terribly hard to get help-They requested notarized POA which we did-they sent a new debit card for the account-but I can not go into the account to activate it-I have told them the problem everyday-since the card came-everything with them and XXXX XXXX is electronic and uses the account holders phone for verification-my sons phone is gone and deactivated and they wont help by-pass this so I can get into the spend account he has to be able to activate it -I dont know what else to do he is scheduled to go to court again on XXXX-I keep getting robo replies and time is of the essence.Please help-Thank you
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting act Convergent Accounts has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-04-04
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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

XXXX XXXX Bank erroneously allowed a forced charge on a XXXX bill. XXXX erred by not converting my rental charge to monthly, instead opting to daily charges, which resulted in an overcharge/ force charge to my XXXX XXXX credit card. XXXX XXXX erroneously reported this balance owed to Equifax. XXXX XXXX also attempted to debit nearly XXXX XXXX dollars from my checking account, which was blocked and reversed by XXXX Bank. XXXX XXXX also failed to apply for payments from a secondary third credit card I had paid off to the XXXX XXXX credit card account in question ending in XXXX. XXXX XXXX instead sent multiple refund checks to me for the overpayment of the credit card I had paid off. XX/XX/XXXX utilized their oversees collection agency to make numerous harassing calls to me despite me making payments to my credit card account in question, failed to provide me with statements for at least the last year, provided invoices and balances due for dates that were separate dates demanded by their emails ( The XX/XX/XXXX statements were demanding that payments be forwarded on the XXXX day of each month while XX/XX/XXXX emails demanded payments to be made on the XXXX of each month, and XX/XX/XXXX failed to thoroughly and professionally investigate my complaints regarding this disparity.
Consumer complaint received 2023-06-27
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. (GA)

In accordance with the fair Credit Reporting Act XXXX accounts : 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 602 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-10-13
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. (GA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-06-06
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. (NC)

I've never paid attention to my credit, and recently I signed up for a credit monitoring site and noticed my information has been comprised. I never used my credit before but now. I want to start utilizing my credit. so please remove this incorrect information from my report. I have no knowledge of these accounts, nor have I tried to open these accounts. I have disputed this account information as inaccurate with them, and they have failed to respond to me, and it's been over 60 days.
Consumer complaint received 2023-05-01
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 — Problem with personal statement of dispute
Company: Auto Trakk, LLC (PA)

Auto trakk submitted a false lease agreement and submitted a false statement saying " Auto trakk is not in a position to have this removed from my credit report ''. Because Auto trakk was in the position to place it on my credit report. They only harass minorities by reporting a non collectable debt on the files.
Consumer complaint received 2023-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-08-16
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. (NY)

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 2023-10-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC (AZ)

In XX/XX/2022 I filed for a forebearance while I was on XXXX XXXX XXXXXXXX. I then in XXXX applied for a loan modification and was accepted to have a partial claim. However, I have two out of state coborrowers ( my parents ) and have been sent the loan modification documents multiple times which has led to multiple documents being rejected or no accepted with no explanation. I even flew to Wyoming where the coborrowers reside to notorize these documents in person. These documents were also not accepted with no explanation. Since XXXX I have been paying my mortgage but those payments have been put into a suspense account. I have recently been sent these documents and they have not been accepted again! I can not get an agent who knows why. I have been placed on hold for hours and I have been given the run around while my mortgage has been in limbo for almost a year! I can not refinance or do anything with out this loan modification being complete. My father is a XXXX veteran who is not allowed to travel to sign these papers where I reside in Arizona. I am running out of options and have had multiple housing counselors try to get to the bottom of this issue but the third party authorizations need to be a wet signature so they arent able to get far. I just want to continue making my mortgage payments and never have to worry about if im going to get foreclosed on. This company is not helpful or knowledgeable and customer service is non existent. Their website is horrendous and confusing and Im doing my part by continuing to get these documents notarized and having my XXXX XXXXXXXX parents get these documents notarized as well. It is very frustrating that I can not get my loan in good standing when I am still making my monthly payments on time.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Spoke with XXXX and also Transunion about inaccurate dates and late payments also inaccurate information giving to them. From creditor 's listed on my account. In which they violated my rights as a consumer. Per 15 usc 6801-6802 laws. That information given damaged my approval for a refinance loan on my home.. dates of account are inaccurate also payments history. I've tried to dispute online through both XXXX and Transunion Web site. But nothing has been resolved. This is my last option before I have to seek legal actions against all parties involved.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

There are UNAUTHORIZED and FRAUDULENT inquiry on my credit report ( US DEPARTMENT OF EDU XX/XX/2023 ). I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately. 

Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!
Consumer complaint received 2023-10-14
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. (TX)

I have contacted XXXX XXXX and XXXX XXXX XXXX about incorrect inaccurate information reporting on my consumer report regarding bank accounts opened by identity theft. I have sent each data furnisher a police report, federal trade comission identity theft affadavit, formal dispute and supporting identification documents. The bank accounts are still being listed on my consumer report regardless of the police report being supplied showing them that I was a victim of identity theft in the past. I am asking for assistance in getting this information blocked and remove per Federal Law FCRA.
Consumer complaint received 2023-05-01
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: AES/PHEAA (MS)

I was never late on the paid off account listed above, please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account, this is invalid late payment for XX/XX/2018 on two accounts, If you can not supply this delete this alleged late payment from my credit report. The FCRA allows 30 days for this to be rectified.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (HI)

Synchrony Bank has NOT been willing to help us in supplying us with the Information that we requested ie A. When was the Pay Pal Card issued? As we have never had a PayPal Card B. When and where were the purchases made! 
C. Why even though we give the supposed account number, do we need to give our Personal information ie Social Security number, Home address etc D. After researching I have discovered that Synchrony Bank has had some major legal issues with underhanded debt collection in 2021 The Debt amount is according to the synchrony Bank is {$820.00} They have not responded to our inquiries regarding this debt
Consumer complaint received 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/2023 I contacted capital one in regards to a settlement I was not aware of. When I asked when was the email sent, the associate provided date of delivery of XXXX XXXX. Upon shuffling through my emails, I explained I did not receive an email. The associate then stated to check my spam account, I checked there as well and no emails from capital one were found regarding the data breach class action lawsuit. I then asked how can I continue or go about submitting a claim since I was not properly notified by capital one and was told this was closed as of last year and was nothing they can do.
Consumer complaint received 2023-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (NV)

In XX/XX/2023, HSBC US closed my credit card account and debit card for no reason. There were XXXX unused points in the account, valued at about {$400.00}. 
As a result of the closure of my credit card account, I was unable to view my credit card statements and was unable to pay them in a timely manner, resulting in a late payment fee of about {$200.00} as of today.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

-Experian, XXXX XXXX XXXX is violating my federally protected consumer rights.-Experian, XXXX & XXXX is furnishing a consumer report that claims I have 2 separate accounts from Bank of XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX. Neither of these are reporting any sort of account number whatsoever, yet they are showing up as negative information on my consumer report and are severely harming my personal reputation. These reports are inaccurate and are not in accordance with 15 USC 1681e ( b ), which clarifies that maximum reporting accuracy is imperative. These accounts do not exist without valid account numbers. They need to be removed from my consumer report. 
XXXX, Experian XXXX XXXX XXXX XXXX never provided a clear and conspicuous opt out form in accordance with 12 C.F.R. 1016.7a.-If they continue to furnish this information after I am now clearly opting out and revoking my consent for this information to be furnished, this report will now also be a violation of 15 U.S.C 1681b ( a ) 2, since they are not acting In accordance with the written instructions of the consumer to whom it relates.

-Furthermore, the information being furnished directly relates to transactions and experiences made between the consumer and the person making the report. This is a direct violation of 15 U.S.C 1681 a ( d ) ( 2 ) ( A ) ( i ) .-Experian, XXXX & XXXX is posting adverse information on my consumer report that is harming my reputation. This adverse information is a direct violation of 15 U.S.C 1681c ( a ) - Particularly line 5 that directly states Any other adverse item of information. Clearly, according to 1681c ( a ) ( 5 ), they are not allowed to post this information.-It is clear that Experian, XXXX & XXXX has violated many of my federally protected rights by furnishing this information on my consumer report. 
-According to 15 U.S.C 1681n ( a ) ( 1 ), Experian XXXX XXXX XXXX XXXX XXXX liable to compensate me {$1000.00} per violation, totaling several XXXX dollars for this breach of my rights. I am offering a simple resolution before pursuing remedy through the court system. 
EXPERIAN, XXXX XXXX XXXX MUST IMMEDIATELY REMOVE THIS ACCOUNT FROM MY CONSUMER REPORT
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

-XXXX, Equifax & XXXX is violating my federally protected consumer rights.-XXXX, Equifax & XXXX is furnishing a consumer report that claims I have 2 separate accounts from XXXX XXXX XXXX , opened XX/XX/XXXX and XX/XX/XXXX. Neither of these are reporting any sort of account number whatsoever, yet they are showing up as negative information on my consumer report and are severely harming my personal reputation. These reports are inaccurate and are not in accordance with 15 USC 1681e ( b ), which clarifies that maximum reporting accuracy is imperative. These accounts do not exist without valid account numbers. They need to be removed from my consumer report. 
-Also, XXXX , Equifax & XXXX never provided a clear and conspicuous opt out form in accordance with 12 C.F.R. 1016.7a.-If they continue to furnish this information after I am now clearly opting out and revoking my consent for this information to be furnished, this report will now also be a violation of 15 U.S.C 1681b ( a ) 2, since they are not acting In accordance with the written instructions of the consumer to whom it relates.

-Furthermore, the information being furnished directly relates to transactions and experiences made between the consumer and the person making the report. This is a direct violation of 15 U.S.C 1681 a ( d ) ( 2 ) ( A ) ( i ) .-XXXX, Equifax & XXXX is posting adverse information on my consumer report that is harming my reputation. This adverse information is a direct violation of 15 U.S.C 1681c ( a ) - Particularly line 5 that directly states Any other adverse item of information. Clearly, according to 1681c ( a ) ( 5 ), they are not allowed to post this information.-It is clear that XXXX, Equifax & XXXX has violated many of my federally protected rights by furnishing this information on my consumer report. 
-According to 15 U.S.C 1681n ( a ) ( 1 ), XXXX , Equifax & XXXX is liable to compensate me {$1000.00} per violation, totaling several XXXX dollars for this breach of my rights. I am offering a simple resolution before pursuing remedy through the court system. 
XXXX, EQUIFAX & XXXX MUST IMMEDIATELY REMOVE THIS ACCOUNT FROM MY CONSUMER REPORT