davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-13
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. (IN)

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 ) has violated my rights. 

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

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without 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 other than records of convictions 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 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AL)

UN-AUTHORIZED INQUIRIES ACCOUNTS NAMES ADDRESSES AND TELEPHONE NUMBERS XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P. (LA)

This account is over six years old and has been disputed and removed successfully repeatedly for years. It keeps showing up under different collection agencies. I even tried contacting the original creditor and they keep referring me back to " whomever the collection agency is ''. No one has been able to send me verification or documentation of the original debt. Attached is emails showing prior collection attempts prior to " open date '' currently being reported to credit agencies. ( stating opened in XXXX but collection attempts show as early as XXXX which means the reported account would have to be as old as XXXX or XXXX originally )
Consumer complaint received 2023-10-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Payment Resolution Services (AZ)

Wrote to company to dispute the validity of debt on XX/XX/2023 and requested further information to verify the debt, sent via certified mail signed for XX/XX/2023 at XXXX by front desk. 

I have not received any further correspondence as of today for the information I requested and as required by law 15 US Code 1692g Validation of Debts. I am asking this company via estoppel letter to remove this information from any credit reporting agencies and to stop their collection efforts.
Consumer complaint received 2024-04-20
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. (LA)

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 XXXX XXXX XXXX. 

XXXX the XXXX XXXX APTS Original creditor for {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX for {$30.00} told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX FOR {$30.00}, Account name : XXXX THE XXXX XXXX XXXX XXXX {$1000.00}. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to XXXX XXXX XXXX ( XXXX ), they are supposed to modify accounts that aren't reporting correctly. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2023-10-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (GA)

The following accounts have violated my consumer rights XXXX XXXX XXXX XXXX  : Acct # XXXX Violations : False credit info communication ( 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ).

Communicating false credit info ( 15 U.S.C. sec. 1692e ( 8 ) ).

Threats, obscene language ( 15 USC 1692d ( 1 ) & ( 2 ) ).

Postcard communication, improper language/symbol usage ( 15 USC 1692F ( 7 ) & ( 8 ) ). 
Seeking prompt resolution per XXXX guidelines. XXXX reports info excluded under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), breaching XXXX compliance. XXXX action requested, including deletion of derogatory info. 

Accounts in collection without IRS Form 1099-C violate 26 USC ss 6050P. Request deletion within 30 days. Non-compliance will result in IRS forms 3949A and 211 filings.

Prompt attention and resolution expected.
Consumer complaint received 2023-10-09
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. (FL)

Ive been repeatedly dealing with the same issue for several months now and the reason why I am constantly contacting Consumer Reporting Agencies from the start, is to inform them multiple times that these incorrect and inaccurate accounts shouldn't be added nor placed on my credit report : XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-17
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: EQUIFAX, INC. (SC)

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX 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 2023-10-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: TRUIST FINANCIAL CORPORATION (GA)

My principal applied for a mortgage loan at Truist on XX/XX/2023 and was unlawfully denied. Regardless of the reason of the denial, I have the right to credit. Withholding access to my securities, is security fraud, extortion, trust fraud, breach of contract, interference with commerce, malpractice, breach of fiduciary duties, etc. Truist Financial are violating the Equal Credit Opportunity Act as well as the Consumer Credit Protection Act ; the very same laws that the corporation tells us they abide by. Since you are denying access to my securities and credit, please retract my application and stop profiting off of my securities without my consent. I believe my security ( the application ) was securitized without my knowledge and consent. I have sent the CFO ( the federal reserve agent ) of Truist correspondences and tenders, specifically a Notice of subrogation on XX/XX/2023, Unauthorized Denial of Mortgage Loan and a durable power of attorney on XX/XX/2023.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (CA)

I am writing again this complaint to AMERICAN EXPRESS I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status, charges and etc, but they keep on telling me that no errors on my report which in fact this account is totally fraud because of illegal and unauthorized charges. It's even more than 30 days past to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting.

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2024-04-26
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: LEXISNEXIS (PA)

I am stressed and displeased that I see there is a bankruptcy on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. My information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and according to 15 U.S.C. 1681, you should be protecting my privacy and the accuracy of my report. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Please remove ASAP
Consumer complaint received 2024-04-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Remex, Inc. (NJ)

Remex called me about a debt of the amount of XXXX about a month ago. I answered the phone and the person automatically went into asking for my personal information and what was my account information. I automatically thought it was a scam it was very unprofessional. I was asked also for my credit card number, I also asked for a statement or some type of email for confirmation about this debt. I asked could there be a payment plan and it was a automatic no we dont do that. The employees are very unprofessional and demanding.
Consumer complaint received 2023-10-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Freedom Mortgage Company (FL)

My name is XXXX XXXX and Freedom Mortgage was my mortgage lender. They had pre-approved me to refinance into a XXXX year loan from my XXXX  year current loan. After being pre-approved at a XXXX XXXX rate they fired my lender or he quit, they didn't tell me this ... and along the approval process they purposely delayed the process and lied and told me it was the fault of the other parties such as the XXXX company yet the representative at the XXXX company said she never received info from Freedom even though Freedom said they had sent it to them. I was locked in at XXXX XXXX yet Freedom noticed rates going up so they purposely slowed down the process then didn't approve me XXXX XXXX later, all the while I thought I was approved. I was also pre-approved by my credit union, so in retrospect I should've just gone with them yet since I was already in a mortgage with Freedom I thought the refinance process would go much smoother with them. They also sold my loan during the refinance process and didn't even tell me, which made it more difficult to roll me into the XXXX year refinance plan. I complained over and over to them and expedited it up the chain of command to the CEO yet they never made this right and now I'm still stuck in a crummy XXXX year mortgage loan for no reason.
Consumer complaint received 2023-10-10
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. (NV)

In accordance with Fair Credit Reporting actXX/XX/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 2023-10-09
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. (NC)

Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never applied for these items I called Transunion told i sent in a dispute they have my police any other information they need they have they acting like they cant do nothing im in the process of trying to get me and my family house. So whatever you guys can do for me would be thats getting these items of my report so i can live my life me and my family.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX and XXXX XXXXXXXX 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 an account without my written instructions.
Consumer complaint received 2023-10-09
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)

I have contacted Equifax and XXXX to remove fraudulent items off my credit, I provided them with an identity theft report but they still have not removed said items. The accounts in question are as follows : XXXX XXXX {$2300.00}, XXXX XXXX XXXX {$0.00}, XXXXXXXX XXXX XXXXXXXX {$900.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$340.00} These accounts have been removed from XXXX, but I need them removed from XXXX and Equifax. 


I am attaching an FTC report and I dispute that I sent all three credit bureaus a few months ago
Consumer complaint received 2024-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current (GA)

I reached out to my bank on XXXX XXXX regarding XXXX authorized transaction and XXXX declined transactions from a company that I have never heard of. I filed a dispute of {$64.00} on XXXX XXXX. Through the investigation my bank received information from the merchant. The information that was provided in this dispute process to validate the transaction is all incorrect. Wrong billing address, wrong ip address, wrong email. The only thing that is correct is my first and last name. My bank refused to actually review this information that was provided or any documentation i have provided to dispute this " evidence '' of a valid transaction. They advised me I can only appeal if I obtain a police report. I then obtain a police report and I am now being told they can not appeal even with the police report.
Consumer complaint received 2024-04-02
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. (CT)

15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act
Consumer complaint received 2023-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

I am writing to inform you that I am exercising my right to opt out of reporting the two dismissed bankruptcies on my credit report. As such, I formally request that LexisNexis Risk Solutions and XXXX cease reporting these dismissed bankruptcies effective immediately. 

As a consumer, I have the right to opt out of having certain information reported on my credit report, as outlined in relevant regulations, including 15 USC 6802. Therefore, I am exercising this right in relation to the dismissed bankruptcies.

I understand that opting out of reporting these dismissed bankruptcies may impact the completeness of my credit report. However, I have made the decision to exercise my rights under the law. 

Please confirm in writing that my request to opt out of reporting these dismissed bankruptcies has been received and will be implemented promptly. 

Thank you for your attention to this matter. I anticipate your cooperation in this regard. 

Sincerely XXXX XXXX
Consumer complaint received 2023-10-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Deposited 2 checks, totalling XXXX on XX/XX/2023. The checks were from the same bank. They immediately placed a hold on the checks, without informing me at a branch location. I called the business number, for them to tell me, I need to call back the following XXXX XXXX, and they would release the hold and the funds. I informed them I have payroll due on XXXX XXXXXX/XX/XXXX. And they said it shouldnt be a problem. I called back on XXXX XXXXXX/XX/XXXX, for them to tell me there shouldnt have been a hold, and the supervisor filed a complaint, but informed me the funds would not be released until XXXX XXXXXX/XX/XXXX. I was told to write bad checks so I dont lose the laborers. I lost XXXX laborers due to not being able to pay them on time. I called back XXXX XXXXXX/XX/2023, they finally released the hold. And told me to call back on XXXX XXXXXX/XX/2023, the funds should be released and available on XXXX XXXXXX/XX/2023, and I called today XX/XX/2023, for them to tell me the funds would not be released until XXXX XXXX. As of XXXX XXXX funds are not available.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX XXXX, 2023, XXXX credit bureau collided with XXXX Account XXXX ( a fraudulent company ) to harm my financial reputation. 

XXXX allowed XXXX to reopen a closed account to deliberately affect my XXXX XXXX. 

This account has been challenged as fraudulent, and a cease and desist order has been placed upon them. 

They violated such order by contacting XXXX to update my credit profile without deleting the identity theft information.
Consumer complaint received 2023-10-09
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 2023-04-22
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: EQUIFAX, INC. (MO)

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. Remove the following items : XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$670.00}
Consumer complaint received 2023-10-09
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-09
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: Experian Information Solutions Inc. (NY)

XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX I don't want this on my credit history because these accounts are negative for me and are not mine. 

XXXX XXXX XXXX XXXX XXXX