davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-15
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. (TX)

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

The letters are stated with items and issues.

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 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (IL)

to my consern iam writing to request the removal of unauthorized credit inquiries on my XXXX  credit report my latest credit report shows 12 credit inquiries i did not authorize Equifax 11 credit inquiries i did not authorize
Consumer complaint received 2023-08-15
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. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-12
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. (IL)

The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being report-ed, or demonstrate to me your regulatory right to retain as mandated by FCRA laws . I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my re-sponsibility and otherwise compliant to any and every reporting regulation in my state or federal laws. 
Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit inquiries by Original Creditors on my consumer credit reports In the course of recently screening my personal consumer credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones de-ficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : Alleged Creditor # 1 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX. XXXX XXXX  XX/XX/XXXXXXXX  Alleged Creditor # 2 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX. XXXX XXXX XX/XX/XXXXXXXX  Alleged Creditor # 3 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX. XXXX XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2015-05-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (VA)

I received an e-mail yesterday at XXXX from Consumer Financial Protection Bureau asking me to dispute a response from Nationstar Mortgage. The problem with the e-mailmessage was that there is no response from the company to be disputed. Who ever sent it asked me to click on a link and that link took me to my own complaint case # XXXX. Instead of reading Nationstar Mortgage response I was reading my owncomplaint about Nationstar Mortgage. I do not understand the e-mail message. Could someone explain to me better or let me have the company response instead of reading my own complaint.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681b PERMISSIBLE PURPOSE and Aggravated Identity Theft under 18 U.S.C 1028 A. 

XXXX****I sent a letter to XXXX XXXX TRANSUNION XXXX and XXXX XXXX reinvestigate these accounts that are reporting illegal transactions late payments. TRANSUNION refused to investigate. Please see attachment TRANSUNION LETTER I am aware that transactions may be applied to the consumer account as per TRANSUNION LETTER. This applies ONLY if the consumer gives WRITTEN consent to do so. Remove these accounts below immediately. 

******15 U.S.C 1681 A ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does NOT include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report *****Accounts in dispute pasted 30 days : XXXX  XXXX XXXX ( XXXX, TRANSUNION ) XXXX XXXX XXXX ( XXXX, TRANSUNION ) XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX, TRANSUNION ) XXXX XXXX XXXX XXXX, TRANSUNION ) XXXX XXXX XXXX XXXX, TRANSUNION ) XXXX XXXX XXXX XXXX ) XXXX XXXX ( COLLECTIONS ACCOUNT ) ALL reporting ******XXXX XXXX XXXX XXXX XXXX has performed Aggravated identity Theft according to 18 U.S.C 1028 A. To obtain information from my report without my knowledge or written consent to furnish an account on my behalf. This is another violation of 15 U.S.C 1681 N. Remove this account immediately. 

*****18 U.S.C 1028a ( 1 ) In general. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

*****15 U.S.C 1681 b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instructions of the consumer to whom it relates. 
*****USPS TRACKING NUMBERS : XXXXXXXX XXXX XXXXXXXX ( XX/XX/XXXX  ) XXXX TRANSUNION XXXX ( XX/XX/XXXX  ) XXXX XXXX XXXX ( XX/XX/XXXX XXXX
Consumer complaint received 2023-03-14
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NV)

Equifax is denying me my free credit report and stating I already recieved a free credit report within the last 12 months. I have not recieved a credit report nor requested XXXX within the last 12 months. Additionally, I tried to place a fraud alert and was denied this request as well stating more information is needed to verify me thus delaying and possibly causing more fraud on my credit report. Equifax systematically frustrates any attempt to gain access to a credit report and place a fraud alert on it.
Consumer complaint received 2022-11-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX AXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5500.00} Status Account charged off. {$25000.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$620.00} Status Account charged off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$2400.00} Status Account charged off. 

FCRA violations : payments never late XXXX  XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : not my names XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA violations : not my addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-05
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. (MI)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

I call Experian I even set up online account trying to dispute, this fraudulent inquiries that I didn't do continue 5 & 20 of same name company I call I was told get credit bureaus correct all 3 credit bureaus XXXX XXXX Experian. I'm tried of trying correct my credit by my self it got be removed I don't go out here trying get credit back to back with same company inquiries of my credit how can I get new social security number. I can't do this for ever this is stressful.
Consumer complaint received 2023-09-26
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. (CA)

In accordance with the Fair Credit Reporting act the following two accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I purchased a copy of my credit report last year in XXXX of XXXX  where i noticed some fraudelent accounts that I did not apply for .. i have attempted to reach out to XXXX, XXXX, and equifax with mutiple dispute letters and each time they have failed to properly investigate and have not provided me with any of the proof i have requested and continue to report these accounts as verified with out properly investigating I have also filed a police report
Consumer complaint received 2023-03-13
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-10-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (NY)

The problem star coulpe.months ago I losse my job also I was involved in a car accident so I take time to recovery for my injury I still going to theraphy also I am not working in the main time I didn't receive letter for them also when I called they didn't anderstand my situacion about it also I tried to negotiate with them but they didn't andersatand my situation and they told me they will send my information to my credit report
Consumer complaint received 2015-05-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (TX)

Refinanced with Nationstar in XXXX and they refunded me $ XXXX escrow which I informed them was a mistake but they insisted they were right.Now over XXXX months later they admit they were wrong and want the money back.However I am not happy with the options they have presented me
Consumer complaint received 2023-10-12
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (TN)

Purchased {$500.00} US Bank Visa Gift Card at my local XXXX store on XX/XX/23. Card declined upon the first attempted use. Called the toll-free number on the back of the card. The rep advised me to go on to their website and choose " my card not working tab '' and send them a picture of both sides of the gift card along with a picture of my drivers license. I complete that information and submitted. The card was never unlocked, I called back after 2 days had passed and let them know that I was still not able to use my card. They advised me to then fax a picture of the front and the back of the card along with a picture of my drivers license. I told the rep that I did not have access to a fax machine but they did have any answers for me. I am in possession of the card, the packaging and the original receipt so I am not sure what the problem may be but I can not get access to my money. Tonight XX/XX/23 I tried calling their toll free number at XXXX and could not get anyone to answer. Their website XXXX is not functioning either.
Consumer complaint received 2023-07-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (PA)

I am a Public Service Loan Forgiveness ( PSLF ) qualifier. I have worked for the same school district for 20 years, and have never missed a student loan payment. I have documentation from XXXX ( now serviced through Mohela ) of every on-time payment that I have made. I have made XXXX required for PSLF. I should have been given forgiveness when I applied XXXX years ago, but have gotten nowhere with XXXX, and now Mohela. Just yesterday, Mohela told me that I probably won't qualify because my loans, at some point kicked into deferment when I was taking classes. I continued to make payments even while I was taking classes, but Mohela says that doesn't matter, because it's indicated prior to my loans going over to them ( previously XXXX ) they can't do anything about it, and I would have to start repaying my loans in XXXX! I have spoken to XXXX different individuals over the course of XXXX years about my loans, and no one has ever told me they wouldn't be approved because I was in deferment/forbearance. The problem is... I didn't even know I was in deferment because the loan company never told me that. That was not my choice ( obviously, because I continued to make payments ).
Consumer complaint received 2024-04-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NM)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2023-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (FL)

I am a client with Navy Federal Credit Union ( NFCU ) for over a year. As of the XXXX of XXXX NFCU has frozen my business account ( acct # XXXX ) as well as my personal account ( acct # XXXX ). After a client paid my company for services rendered and for a vehicle purchase. The third party paid with a cashiers check made out to them and then signed over to my business. After the check was deposited this Navy Federal put a hold on the check for five days. Afterwards the hold was lifted the funds were made available. When the funds were disperse from the account. Navy Federal then blocked stating suspicious activity. After contacting Navy Federal, they informed me that I needed to present a letter from the third-party with their ID and three signatures. When I complied and my client provided the letter with signatures and identification. Navy Federal then informed me, that I would have to provide my identification and three signatures. After complying with Navy Federal demands, both accounts are still frozen. I encountered an issue with my account that required urgent attention. I contacted customer service and was put on hold for extended periods, which was frustrating. When I finally spoke to a representative, they were unhelpful and did not resolve my issue. It is now going on two weeks. I then visited the only branch which is a two hour drive. Where I was then informed, that I have to submit an appeal in to overturn the decision to freeze my accounts. Not only was the branch manager, vague and unhelpful. I am still in the dark with no one to turn to. Navy Federal, is not only stopping me from conducting commerce. As well as paying employees and bills to keep my business afloat. I have made several attempts to contact Navy Federals security department. Which has hold times that are well over two hours only, to speak to representatives that are unknowledgeable and unhelpful. After submitting the appeal, Navy Federal informed me that it will take approximately 15 business days or more to investigate and make a decision whether to release the remaining funds. It is to my knowledge that Navy Federal is abusing their power to take advantage of the situation.
Consumer complaint received 2023-03-16
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. (MI)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
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. (TX)

I requested that these UNAUTHORISED inquiries be removed, due to the F.C.R.A stating without ( WRITTEN CONSENT ) 15 USC 1681 ( B ) PERMISSIBLE PURPOSE in which i never gave experian WRITTEN CONSENT to put said inquiries on my consumer report. Not only are experian in violation of 15 usc 1681 ( b ) but knowingly and willfully reporting something on a consumer 's report under false pretenses shall b fined under title 18 and is a violation of 15 usc 1681 ( Q ) which is identity theft. Also punishable by fine or by up too two ( 2 ) years imprisoned, or both. 


I requested that ALL the UNAUTHORISED INQUIRIES shall be removed due to the fact of the said credit agency ( EXPERIAN ) CAN NOT produce the document that shows/proves that i GAVE WRITTEN CONSENT. SO therefore since the document ( written consent ) cant be upheld i demaded the said credit agency ( EXPERIAN ) DELETE THESE UNAUTHORIZED inquiries.