davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-04
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. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2023-06-03
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

1. Denied on refinancing the Townhouse and was told I qualified for Loan Modification after giving me the running around 2. Denied on Loan Modification for the very same Townhouse I was previously told I qualified for under the same circumstances of multiple excuses
Consumer complaint received 2023-06-03
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. (PA)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : XXXX XXXX, Act Name : XXXX  XXXX, Act Name : XXXX XXXX XXXX XXXX, Act Name : XXXX XXXX, Hard Inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 15 USC 1681 section 602 A, 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 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. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX reported a fraudulent collection account from XXXX XXXX that was also reported by XXXX in XX/XX/2022. 

I have filed a dispute with Experian and XXXX to have this file removed. My concern is that this has happened one year apart with two different companies for the XXXX fraudulent account. 

This lets me know that my information has been stolen, bought, and sold.
Consumer complaint received 2023-06-04
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. (NJ)

hello I recently checked my credit report and noticed some accounts opened fraudulently. I have contacted the ftc and my local police department the report will be attached to this document. the inquiries are listed below. these inquiries are on my report from scammers running my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX, I would like to request that the CFPB investigate my complaint against XXXX XXXX XXXXXXXX. 

I financed a vehicle from XXXXXXXX XXXX XXXX, My vehicle was illegally repossessed on XX/XX/2023 in XXXX, the peace was breached in this repossession because the company XXXX XXXX XXXX almost ran me over during the repossession on XXXX XXXX XXXX. 

XXXX XXXX XXXX or XXXX XXXX XXXX has not complied with any Florida State or Federal regulations or statutes to legally have possession of my vehicle. 

XXXX XXXX XXXXXXXX informed me my vehicle was sold at the auction. 

Im requesting a bill of sale from the auction.

Im requesting to know what company or parties the vehicle was sold to.

Im requesting to know what date time and location was the auction for my vehicle.

Im requesting to know if I owe any balances from the sale of my vehicle from the auction. 

I will be filing a civil action in small claims court and lawsuit against XXXX XXXX XXXX if any information on my credit report is incorrect or not accurate. 

I will be electing to update a new address on file to receive all notices from XXXX XXXX XXXXXXXX. 

As of today XX/XX/2023 I havent received any notices from XXXXXXXX XXXX XXXX detailing the auction or repossession of my vehicle. 

The new address I want to elect my notices from XXXXXXXX XXXX XXXXXXXX mailed to is XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX Florida XXXX Since XX/XX/2023 XXXXXXXX XXXX XXXXXXXX has the wrong mailing address on file and I contacted XXXX XXXX XXXX to elect for an updated address to receive my notices. 


I contacted XXXX XXXX requesting for the information to be updated and I requested for the usps tracking number for my notices. 

I will be filing new complaints with all Florida State and Federal Agencies regarding my repossession and any information that is not correct on my credit report. 

Im requesting that XXXXXXXX XXXX XXXXXXXX updated my account information to show on my credit report showing the balance I owe on the vehicle I financed from them. 

XXXXXXXX XXXX XXXXXXXX can email me all details about my account.
Consumer complaint received 2023-06-04
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. (NY)

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 XXXX, Transunion, 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 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 2023-07-09
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date of Birth : XX/XX/XXXX { Date } XX/XX/XXXX RE : Investigation Request to Delete closed accounts. 

To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #, along with original contract with legally binding signature. 
Closed accounts on my credit reports are inaccurate and not reflecting accurate information throughout each bureau. I request complete deletion immediately. 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : 1. { XXXX XXXX XXXX XXXX } { ac # XXXX } { Reason for Dispute : Grantor closed my account unlawfully after i requested late payment removed due to improper reporting and inaccurate information thus my reinvestigation request which was violated and never answered. instead creditor/grantor closed account with no notice. this constitutes fcra violation. This closure will affect my credit rating, worthiness and reflects inaccurate negative status. i will be pursuing legal action for punitive damages and improper procedure as per fcra law } { this account was closed by grantor and still reflects as open, i request immediate deletion } 2. { XXXX } { ac # XXXX } { Reason for Dispute : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. Remove from my credit reports immediately } 3. { XXXX XXXX XXXX  } { ac # XXXX } { opened : XX/XX/XXXX } { Reason for Dispute : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. Remove from my credit reports immediately } Lastly, please remove all non-account holding inquiries over 30 days old from my credit file. 

I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results including deletions of these accounts and inquiries off of my reports Truly, XXXX XXXX XXXX
Consumer complaint received 2023-02-11
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. (AZ)

I was recently notified by Experian credit reporting XXXX that an account was added to my credit profile. I did not open the account. I have not applied for or received a credit card from XXXX XXXX. I have have not approved any opening of a credit card from this company. All other legitimate creditors have a way to contact them via telephone on my credit report, this company does not. It only has a XXXX XXXX XXXX. I am disputing the validity of this credit card account. Experian has replied to my dispute with them, as reinvestigated and verified, but how? They never communicated with me about the account. They are not providing me proof that I opened the account. Am I just supposed to accept that this account is my account when I know nothing about this company? I have never received anything telling me that the account is open and that I have a credit card with a certain credit limit?
Consumer complaint received 2023-08-10
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. (CA)

I have tried to notify the bureaus take down my child support due to the new law that has been passed this year 2023 which is the FACT act That defines the word credit only when the collections is in connection with a credit transaction number two Credit Agencies must have a court order authorizing to report it written authorization to report it for a contractual agreement to report it permissible purpose and collections is in connection with the credit transaction which child support is not
Consumer complaint received 2023-08-10
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: Fidelity National Information Services, Inc. (FNIS) (MI)

I Lost my debit card and was charged a overdraft fee but I didnt use the account so I never noticed it was closed or used as I didnt keep much money in that account. Well it was closed and sent to Chex systems saying I owe. I paid in full with the acknowledgment it would be deleted from c hex systems once paid in full. so not only is it not my account I also paid the account and its still showing up which is hindering me from opening a new bank account.
Consumer complaint received 2017-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MI)

I deposited a paycheck for the amount of {$1500.00} via mobila deposit on Friday, XX/XX/XXXX. This deposit was placed on a partial hold without any notification to me until I called them on Friday, XX/XX/XXXX. I was informed of the partial hold during that phone call to a local Chase branch since there is no national not-automated customer support, and was told this was a temporary hold, {$200.00} of the deposit was made available, and the hold will be released on XX/XX/XXXX at the latest. It is my understanding that Chase is required to inform me when a hold has been put in place on a deposited item, and I received no such communication and the amount is well below the usual hold threshold of {$10000.00}. No reason was given for the partial hold.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I am writing to address the ongoing issue regarding the erroneous late payment entries on my consumer report for the months of XXXX and XX/XX/2024 with XXXX XXXX account ( XXXX ). Despite previous communication and demands for immediate action with XXXX, I am disappointed to see that the issue remains unresolved. 

As per the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 U.S. Code 1681a, I have the right to expect fair and accurate reporting of my credit information. 
Additionally, 15 U.S. Code 1681s-2 imposes responsibilities on furnishers of information to consumer reporting agencies, emphasizing the duty to provide accurate information. 

Additionally, I have observed discrepancies in the " last reported '' and " date of last payment '' sections across different credit bureaus. Such discrepancies violate my FCRA rights and further highlight the inaccuracies in the reporting of my account information.
Consumer complaint received 2023-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (OK)

XXXX has been allowing my information to be released and I have been breached by the company and the report has not been updated to reflect the status of my account as payment is not received as paid but XXXX XXXX account is still showing up as not paid and my information from the accounts that are 7 or more years old and closed are still being used and my information on my background is not accurate because I was never convicted of the crime it was dismissed and the case is closed but the report is still being used in the account with XXXX and I dont want to be held accountable for the information that is being used
Consumer complaint received 2023-06-04
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)

The credit bureaus are disrespecting the laws. I have showed them numerous of times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, XXXX and Equifax a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days. This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the COVID-19 Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me.
Consumer complaint received 2023-06-04
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. (WI)

Transunion is reporting a closed account status for a collections account with XXXX XXXX XXXX. The account should be deleted because I have had no interaction or relationship with that collection agency. Any balance due was paid and settled with XXXX XXXX, I have no relationship with The XXXX XXXX XXXX. The account was successfully deleted from my XXXX and XXXX reports but Transunion refuses to update the incorrect record. This must be deleted as there is no relationship between myself and XXXX XXXX XXXX. This must be deleted. I have no debt with XXXX XXXX
Consumer complaint received 2019-07-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX Ive asked for a complete payment history. 

You havent provide me with a complete payment history but continue to report. Under section 623 you must provide me a complete payment history. This my 3rd and final warning asking for a complete payment history.
Consumer complaint received 2023-08-10
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: EQUIFAX, INC. (NC)

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 stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-05-03
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. (VA)

I have satisfied the account with the following company for the XXXX XXXX XXXX XXXX  and as a result I was notified that once I paid this account off in its entirety that this account would be removed from my credit file as it is preventing me from being able to gain credit at this time.