davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-21
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. (NY)

I was recently informed of negative information reported by XXXX XXXX XXXX  included in the file XXXX XXXX XXXX maintains under my Social Security number. Upon ordering a copy of the report, I found an entry from this bank listing a Checking Account Fraud on XX/XX/XXXX. 
I am unaware of ever having a Checking Account Fraud from XXXX XXXX XXXX Please validate this information with XXXX XXXX XXXXXXXX and provide me with copies of any documentation associated with this Checking Account Fraud bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the record you maintain under my Social Security number and provide an updated report. 

Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney Generals office. should you continue in your non-compliance. further remind you that, as in Wenger v. Trans Union Corp. No, 95-6445 ( C.D, Cal. Nov 14. 1995 ), you may be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act
Consumer complaint received 2020-07-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I put in a dispute to TransUnion on XX/XX/XXXX, sent via certified mail with return receipt. It was marked XX/XX/XXXX they received my letter. I sent my follow-up letter XX/XX/XXXX explaining they did not respond to my letter. There were no disputes opened and I received nothing in the mail accounts were verified. It is not XX/XX/XXXX and there was no investigation. Now they must delete the information due to non-response.
Consumer complaint received 2023-06-20
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. (VA)

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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX  XXXX, XXXX/XXXX  : XXXX, XXXX  XXXX : XXXX, XXXX  XXXX : XXXX, XXXX  : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX XXXX VA : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX ( Original Creditor : XXXX XXXX  XXXX  XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX/XXXX  : XXXX, XXXX : XXXX. 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 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-06-20
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: ALLY FINANCIAL INC. (IL)

in accordance with the fair creditor reporting act this creditor has violated my rights. under 15usc1681 section 602 states i have the right to privacy. 15usc1681 section 604a section 2 it also states that the consumer report agency can not furnish an account without written instructions. under 15usc1666b a creditor may not treat a payment on a credit card account under an opened consumer credit report payment plan as late for any purpose.
Consumer complaint received 2022-11-08
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: EQUIFAX, INC. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$940.00} or XXXX XXXX XXXX XXXX Opened : XX/XX/2019 Balance : {$24.00}.
Consumer complaint received 2022-11-08
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. (FL)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 XXXXXXXX XX/XX/XXXX
Consumer complaint received 2020-07-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: STATE EMPLOYEES CREDIT UNION (NC)

In XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXXXXXX XXXX, Virginia upon getting an approved auto loan for the vehicle from N.C. State Employees Credit Union. Including with the price of the vehicle the auto loan included {$1200.00} for an extended auto protection package. The owner of the dealership did not submit payment and extended warranty application to XXXX XXXX XXXX. The FBI launched an investigation into the dealership for fraudulent activity and numerous reports of obtaining money under false pretenses in total of 81 indictments and was sentenced to 3 years in prison in XXXX. Upon his release he is court ordered to pay Restitution to all victims of his crimes. As stated in his promissory note his first payment of {$450.00} was supposed to be made to me XX/XX/XXXX. I have not received this yet. However, my vehicle is no longer in working condition and I am not financially able to pay for the repairs and make the payments to SECU on the auto loan. I am currently unemployed. This has caused an enormous amount of stress on my behalf because this is causing derogatory remarks and late payment history to be noted on my credit report. Even with reporting what happen with the money for the warranty, XXXX State Employees Credit Union has not been able to offer me any help in getting this matter resolved without defamation of my credit.
Consumer complaint received 2022-10-25
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. (NJ)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$450.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$410.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-03-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Did not give any written consent to use my social security number XXXX XXXX XXXX XXXX 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 2023-12-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: TRUIST FINANCIAL CORPORATION (NC)

Contacted Truist bank in XXXX to inquire about a HELOC. The representative confirmed our home loan status that is and always has been in good standing. The XXXX ( XXXX XXXX ) also indicated that we had more than enough equity in addition to the fact that we ( my husband and I ) have very good credit ( we each are over XXXX credit scores ). We have provided Truist with all the required income and tax documentation into the lender protal. 

Last week, the repXXXX, XXXX contacted me to advise that the underwriter wanted us to close a high balance credit card once paid off with the HELOC to adjust for our debt to income ratio but we would still be approved. We challenged that as closing a long standing high limit credit line would damage our credit. The rep. acknowledged that it did not make sense, offered to call her manager and upon dig so, we are now denied the entire HELOC. 

We were told that we could only have the funds to pay off the high limit card, one time and still close both the card and the HELOC when we had been previously noted for an OPEN line of {$150000.00}. 

I pointed out that this was discriminatory and the rep. said it " was underwriting and you both are independent contractors ''. Further stating that we could just sell our property.
Consumer complaint received 2023-03-06
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: EQUIFAX, INC. (TX)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have filed a dispute in XXXX and in XXXX for inaccurate and fraudulent inquiries on my credit report. 
15 USC 1681 Section 602 states that I have a right to privacy.

15 USC 1681 Section 604A Section 2 states that a consumer reporting agency can not furnish a account without my written infractions.

15 USC 1666 B states that a creditor may not treat a payment on a credit card account under open end consumer credit plans as late for any purpose.

According to Metro 2 Compliance the above stated account 's does not meet the standard and doesn't follow any of the FCRA and the ECOA
Consumer complaint received 2023-06-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BMO Bank, N.A. (CT)

I have an auto loan through BMO Harris Bank. I moved out of state and to register my car permanently in the state I need a copy of the title sent from the bank to the DMV. I have now called BMO more then 7 times and made 5 trips to the DMV. I was given misleading and factually incorrect information by BMO Harris such as the following : XXXX ) I do not need a title to register my car XXXX ) I can take a PDF of the title in and get my registration XXXX ) That the title was sent when it was not XXXX ) I was given the incorrect fax number to send the request form XXXX ) I was told that BMO does not have a fax line XXXX ) That BMO could not provide a copy of the title until the loan is paid off. 

After roughly a month of back and forth BMO is now confirming that my most recent request from XX/XX/XXXX has been received, but as of today, 8 business days later, no progress has been made on sending it. BMO also has no record of other requests from XX/XX/XXXX or XX/XX/XXXX. The DMV made it clear that all requests should be processed in 5 business days. The DMV told me at this point I should consider contacting my lawyer about this issue. 

Due to these numerous delays and incorrect information my registration has expired and I had to rent a {$610.00} rental car to make a personal trip at the end of this month.
Consumer complaint received 2022-11-08
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: EQUIFAX, INC. (CA)

The unverified items indicated below, continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-11-08
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: Experian Information Solutions Inc. (TN)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/XXXX XXXX there is some inaccurate information reporting. 
XXXX  XXXX Bankruptcy XXXX XXXX : XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX XXXX  of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2023-12-14
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: Fig Tech Inc. (FL)

I am writing to bring to your attention a matter of significant concern regarding the conduct of Fig Loans Texas LLC, a financial services company. It has come to my attention that Fig Loans Texas LLC has violated my rights under the Privacy Act of 1974, specifically in contravention of 5 USC 552a and 5 USC 552b, as well as related Code of Federal Regulations ( CFR ) sections.

The Privacy Act of 1974 is a federal law designed to safeguard the privacy of individuals concerning personal information held by federal agencies. It establishes a code of fair information practices that govern the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. 

The specific sections of the United States Code that I believe Fig Loans Texas LLC has violated, in conjunction with related CFR sections, are as follows : 5 USC 552a- The Privacy Act of 1974 : Fig Loans Texas LLC, in its handling of my personal information, has failed to adhere to the provisions outlined in 5 USC 552a, which outlines the conditions under which personal information may be disclosed and the rights of individuals to access and amend their records.

5 USC 552b- The Government in the XXXX XXXX : Fig Loans Texas LLC actions appear to contravene the provisions of 5 USC 552b, which governs the openness of agency meetings and the disclosure of information. I assert that Fig Loans Texas LLC lack of transparency regarding the handling of my personal information raises concerns about compliance with this statute. 

XXXX XXXX - Safeguarding Customer Information : Fig Loans Texas LLC XXXX also be in violation of XXXX XXXX, which sets forth standards to protect the security and confidentiality of customer information. Any failure to comply with these standards further compounds concerns regarding Fig Loans Texas LLC data handling practices. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate these alleged violations by Fig Loans Texas LLC and take appropriate action to ensure compliance with the Privacy Act of 1974 and related CFR sections. I am confident that a comprehensive examination will reveal the extent of the company 's non-compliance and facilitate corrective measures to protect the privacy rights of consumers.