davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I would like to place a formal complaint against Transunion for violating my FCRA rights and my privacy. They have placed a public record on my consumer report that should not be there : Public Record - XXXX XXXX Bankruptcy - Reference # XXXX. 
Transunion said they verified it but I reached out to the courts who verified that they do not report bankruptcies to the credit bureaus. I have attached the letter that I received from the court. They are in violation of my rights pursuant 15 usc 1681b under permissible purpose. They never validated nor verified anything with anyone at the courts. Transunion is violating multiple laws including : The reporting requirements do not comply with FCRA 611 ( 15 U.S.C 681I ) and the information must be deleted immediately. The civil liability law which I will sue under is clearly here : 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Failure to Comply or delete this public record from my report is a clear violation : Public Record - XXXX XXXX Bankruptcy - Reference # XXXX. 
Code 1681n - Civil liability for willful noncompliance ( a ) In general, Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and these inaccurate items must be deleted from my consumer report. Please help me get this violation removed from my credit report. It is unverifiable. Please see also the attached dispute which also points out multiple inaccuracies.
Consumer complaint received 2022-09-07
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. (FL)

I am reporting Experian 's faslefied response to the CFPB when they clearly are in violation of my rights under The Fairs Credit ACT 605b. Furthermore, in your response sent to email on XX/XX/2022, you stated the following reason for denial of blocking ; It was not filed with a law enforcement agency which subjects the person filing the report to criminal penalties relating to the filing of false information You also stated the following A valid identity theft report is an official report specifically complain about identity theft that has been filed with an appropriate federal, state or local law enforcement agency, including the Federal Trade Commission. 

By you acknowledging that you received the official Federal Trade Commission Report to the Consumer Financial Protection Bureau on XX/XX/2022 and sending a letter stating you have NOT received a valid Identity Theft Report on XX/XX/2022 means that you have violated my rights under the Fairs Credit Act. I have attached copies of the CFPB response and a copy of the letter received from Experian on XX/XX/2022. I have sent a copy of this information to the Florida Attorney Generals Office as well as reported you to the Federal Trade Commission.
Consumer complaint received 2023-03-04
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. (NC)

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 2022-11-29
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. (NC)

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, XXXX and TransUnion credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-10-09
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: CITIBANK, N.A. (MI)

PLEASE TAKE TIME TO READ THIS AND THE PROOF. This is becoming an ongoing problem and blatant negligence involving my SSN and credit reporting by the hands of CITIBANK. I have desperately tried to peacefully resolve this false reporting and mishandling of my credit by CITI BANK. They sold a a debt to a third party ( XXXX XXXX ).  This third party violated many Consumer laws which lead to a settlement with them paying me and also agreeing to delete this account from my report ( all attached ). I even paid the debt beforehand so it wouldn't damage my credit.

I then contacted CITIBANK via letter several times to notify them that they were reporting false information and requested for them to delete the fraudulent account, in response they then sent me a letter ( attached ), saying that the matter is no longer theirs and I would have to take it up with the company that I won a settlement against. 

THEN 30 DAYS LATER THEY UPDATED FALSE INFORMATION TO MY CREDIT REPORT, causing it to drop 90 points, while I was in the middle of closing on a home. This caused my family so much strife and hardship. The obvious false reporting has held up my purchasing of a home, leaving my wife and kids in limbo while I rectify this situation. PLEASE look into this. This is clear bullying and they knew exactly what they were doing because I stayed in constant communication with them throughout the process. So instead of rightfully deleting this account they reported i had a balance of {$3000.00} as recent as XX/XX/2018. This account has so many violations. Its past the statue, false reporting, etc. I will not stop until their wrong doing is brought to the light. Legal action is on the way. 

Thanks
Consumer complaint received 2024-03-05
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. (NY)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXXXXXX Balance : {$450.00}
Consumer complaint received 2022-09-07
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)

Under the Fair Credit Reporting Act, they 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2022-09-07
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-11-23
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. (AR)

In accordance with the ( FCRA ) everything has to be 100 percent accurate on my credit report. The bureaus have stated all my accounts were properly investigated, but how can that be when the date last active, the date last reported, and the opening date are all incorrect and different between the 3 bureaus or incomplete. This is grounds for removal and they have violated my Rights under 15 u.s.c. 1681 sec 602A. States I have the right to privacy. 15 usc 1681 section 604 A. Section 2 also states a consumer reporting agency can not furnish a account without my written instruction. There for I want to see verification of a signed invoice, a copy of the binding contract between both parties and validation of the debt that is actual accounting.
Consumer complaint received 2023-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (AZ)

XX/XX/XXXX, my checking account was locked and I was unable to access any of the funds in that Chase account. This was due to a letter sent by XXXX of a fraudulent transaction into Chase that was sent XX/XX/XXXX. XXXX was able to clear things up with my relationship with them within 2 days. The transaction was an amount of {$4000.00} that I transferred into chase and the same amount of {$4000.00} out of Chase back into XXXX 6 days later. I was never notified from Chase bank of the lock of funds and it took me a week to realize. I went into a Chase branch to speak with someone and we spent 4 hours attempting to contact a specialist within Chase to understand why my account funds were not accessible. They told us that Chase was going to automatically close my account and send me a check of the balance in the mail within about 10 days. I called daily to check on the status of my account and nobody in customer service was able to give me any information. XX/XX/XXXX, a month after I was told I would receive my money via check, I went back into the bank branch to speak with someone about this matter. They told me they were investigating my account and there are no updates and nothing I can do about it. I filed a corporate complaint the same day and was told I would receive a call from a Chase representative to help me with my account and still have not received any contact. Throughout this entire time I have not received any updates with my account status nor documentation or notification of my account being locked of funds. Chase bank is holding my entire life savings and I am unable to pay bills, groceries, and gas. I have received no help nor compensation.
Consumer complaint received 2022-09-07
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. (OH)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX5 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
XXXX
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

For the last several years my addresses on my report have been inaccurate, my DOB has been inaccurate, and credit inquiries that are not mine have shown on my report. 

Ive been unable to access my report ( only through XXXX XXXX ) the other 3 require identity verification that doesnt apply to me. I contacted an attorney to help, who was actually able to pull a good portion of my report and 90 % of it is inaccurate which leads to the denial of any attempt to receive a loan or credit. I am unable to dispute said inaccurate information due to the fact that every single component of my report is wrong. 
I can not log in to any of the 3 bureaus, and those bureaus, no matter how many times Ive called or sent in my personal info, changes nothing. My disputes have not been investigated or applied. 

I have been denied for every loan, credit card Ive tried to get. even the ability to verify my identity to get a loan is hard due to inaccurate information that I am unable to fix alone. 
There are medical debts, credit cards on my report that are not mine. And during the attempts to get a loan, Ive been asked about my mortgages, student loans, addresses, phone numbers, pet insurance that arent mine in the attempt to receive a loan. Instant denial for loan because they think its not me. 

Ive exhausted all options, and its became extremely detrimental to my financial, and emotional well-being. I feel absolutely stuck with no way out of the situation. 
I am aware that I am entitled to an accurate report with the FCRA and I will go to any length I can to resolve it. 
I can not get approved for student loan, buy a home, approval for credit card, day care, lending companies, leasing companies, or an auto loan because nobody can verify my identity due to the extensive inaccuracies in my report. 

Theres a woman in my town with the same name, DOB 10 days after mine with a nearly IDENTICAL social security number. ( Her last two digits is XXXX and mine is XXXX ) this is the only difference between the two. She reached out to me in hopes of solving the issue. 
Weve both been unable to solve the situation on our own. And need help. Our attempts to reach out to each bureau has left us going in circles with no success. 

Ive reached out to attorneys who do not know how to help me. 

( In documents attached, the highlighted yellow ones are inaccurate )
Consumer complaint received 2024-03-05
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-06-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FC HoldCo LLC (LA)

My car was totaled back on XX/XX/2023. Flagship Credit is the lender and they have been beyond extremely imposible to post payments timely from car insurance and gap insurance. Only continuing to give me the rounds around about payments. They finally posted payment from car insurance but the gap insurance has not been posted. I called gap insurance and they have confirmed that the check was cashed by Flagship Credit and this payment was issued to Flagship Credit over three weeks ago and payment has still not being posted on account. They have even made me pay car note for XXXX even after car was totaled and the finances continue to escalate more and more everyday. I do have all of my emails I have sent to them and every time I do ask a question, they get back with an excuse. This is for sure a company that needs to be investigated because they are definitely taking beyond advantage of consumers that perhaps are not very educated about situations like mine. I would look into the internal aspect of company too. If there is anything needed from my end, please reach out to me directly on the information I have signed up with for this complaint. 

Thank you for your anticipated cooperation regarding this matter and hope to hear from you guys soon. I might have to file a consumer lawsuit if necessary if others have been scammed by this financial institution as well since I do have a lot of legal background experience. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland Credit Mngmt XXXX XXXX XXXX. XXXX XXXXXXXX sold their debt to Midland Credit Mngmt and is suing me in Court for incorrect payment owed. In addition, President Biden is passing law to change late fees to {$8.00}.
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

XXXX XXXX XXXX staggered years posting Delinquent Line of Credit on Mortgage to add additional years from the 7 to 9 years with one credit Bureau ( Transunion ). Since none of the Credit Bureaus coordinate with each other, no one can assist in the difference in years filed for the same account. XXXX listed with Transunion that a payment was made in XXXX... which I never made. On their Report Legend it is justified with " Ok ok ok etc ) for that year. How did it get to be ok .... ( Fraud payments posted )? No payment made. 

I received all three Credit Reports from XXXX, XXXX and Transunion : The account numbers were changed for different accounts XXXX was filed with XXXX XXXX Same account. When XXXX submitted my dispute... it was changed and closed. 
XXXX was filed with XXXX XXXX same account. Changed and Closed XXXX  was filed with Transunion ( XXXX ) with bogus payment made in XXXX to extend the years from ( 7 to 9 ) to a closure date of XX/XX/XXXX. I MADE NO PAYMENT IN ( XXXX ) to this account. This justifies their beautiful, itemized statement. 

In their payment legend with OK OK OK reset the account., extend delinquency and post with a Credit Union . 

Also different account numbers used with the Credit Bureau... With no check and balances with each Credit Bureau, Can they post a bogus payment and post with different account numbers, extend years, and file with a different Credit Bureau? 

My original account number is XXXX, and this number is not used, but different numbers with different accounts. 

I know accounts may be posted with different Bureaus within 30 days or so, but not 2 years, same account, to keep a negative credit rating after the 7 year allowance on this type of delinquent account. 

Since I posted a Dispute, the information now reads " Foreclosure Initiated ''. 

Please help ... .Thanks.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (MO)

I have submitted multiple ( more than 3 attempts ) Security Freeze Requests with LexisNexis. I have submitted all required documents LexisNexis requires to submit a valid security freeze. I have just resubmitted another security freeze today XX/XX/2023 @ XXXX. I provided LExisNexis with a valid copy of my Drivers License ( that has my correct address on it ), Valid copy of my Passport, Copy of my Social Security Card, a utility bill, and Mortgage Statement all matching the address on my Drivers License. I made the request online through there request page https : //forms.consumer.risk.lexisnexis.com/ # /freeze-self