davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

my first attempt was on XXXX and the second attempt was on XXXX and the credit bureaus did nothing but say my information was verified. Several laws have been broken under the the FCRA, so with the proof I have provided by law these accounts need to be deleted immediately or I will be filing a law suit.
Consumer complaint received 2022-11-26
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. (IN)

I have a right to privacy and I never gave any one written permission to report these accounts on my credit profile Dept. of Ed XXXX, XXXX XXXX XXXX, US Department of Edu XXXX, US Department of Edu XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2023-01-08
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. (MI)

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

XXXX {$2000.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX U.S.C 1681 Section 602 A. States I have right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions.

5 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.

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 then seven years.
Consumer complaint received 2023-02-07
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: JPMORGAN CHASE & CO. (FL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 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.
Consumer complaint received 2023-01-08
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. (NC)

In accordance with the Fair Credit Reporting act XXXX  has violated my rights : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX 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 2023-01-08
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)

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

r 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 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (OH)

XXXX  called coustomer service to get billing. some time around the XX/XX/ i do not remember the exact date.they said that it should be mailed out soon. and they gave me the account number and toled me to log in to XXXX to log in i was unable to log in or creat the account. XXXX XXXX  i tryed to log in again to pay on the account and again i was unable to.when i try any thing like loging in or to get account name or password i get this message. '' We can not verify the information entered. Please try again or contact us at XXXX '' also when on the site they miss leading link disguised as links to help you log in.which instead takes you to a site where you need to give them a credit card number to use the site.in witch you have a small box at the bottom with small writing you have to un click in order to no be inrolled in a product the you have to pay after a trial period. i unmarked the box but then imediatly a charge was atempted on my credit card .I feel that the site is fradulent and dangerous to do ant buisness with it is only there to facilate late payment charges with fees and miss lead you into paying for things that you have NO intention on using or paying for
Consumer complaint received 2022-11-26
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: DISCOVER BANK (PA)

XX/XX/XXXX I made my last payment of {$82.00} I had a balance with late fees that I asked to be removed but they said no XX/XX/XXXX {$3700.00} now they are asking me to pay {$4400.00} to take me to court which I received the paperwork opened with a breech of privacy it was sent to the wrong house. And a random man dropped it off XX/XX/XXXX. In XXXX of XXXX I called the credit card account and told them that because of my XXXX XXXX XXXX  and me living with them if they could pause my payments because I was waiting to be XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and told them I would be moving which is the new address they have on file. They arent helping with access to the account to check the statements or anything.
Consumer complaint received 2022-11-28
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)

In accordance with the Fair Credit Reporting Act 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 XXXX XXXX XXXX. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1881 Sectign 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-01-07
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 2017-05-11
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. (NC)

Credit Bureau continues to list unverified information.     Despite my  three written requests, over the course of 3 months the unverified items listed below still remain on my credit report in violation of Federal Law.  In the results of Experian 's re-investigations, they stated in writing that they verified that these items are being reported correctly? However, they still have not identified who in their company verified the accuracy of these accounts or how they verified them along with the documents they used to verify them and continue to list them as accurate which is a violation of my rights and damaging my credit worthiness.     In addition, there are several inquires listed on my credit report as a result of someone fraudulently trying to obtain credit in my name. I do not have any business with these companies, have not applied for credit or have given them permission to be there and have advised Experian of this as well as their fraud department and no action has yet to be taken.
Consumer complaint received 2023-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be 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 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 2022-11-27
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)

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 XXXX XXXX : # XXXX, 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 XXXXXXXX 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 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 2017-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have  XXXX  state tax liens that have been satisfied and released by the state for several years that are still showing on my credit reports for all  XXXX  agencies.   The first was filed on  XXXX / XXXX / XXXX  for  XXXX . It was paid, satisfied and ordered cancelled/released on  XXXX / XXXX / XXXX .   The second was filed on  XXXX / XXXX / XXXX  for  XXXX . It was paid, satisfied and ordered cancelled/released on  XXXX / XXXX / XXXX .   The third was field on  XXXX / XXXX / XXXX  for  XXXX . It was paid, satisfied and ordered cancelled/released on  XXXX / XXXX / XXXX .   I disputed these liens on all  XXXX  credit reporting agencies, and they verified them with  XXXX  he county clerk, but did not remove them, stating they are reporting as verified.
Consumer complaint received 2023-02-07
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: EQUIFAX, INC. (CA)

Dear. CFPB My name XXXX XXXX XXXX XXXX XXXX, Equifax, XXXX CREDIT REPORTS on collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} Its not my collection. please remove it. 
Thank you. 
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 2023-05-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (NY)

Its an emergency medical collection thats around {$710.00} I have had insurance for years Ive tried to dispute this called tried to figure out what its about getting no return calls I believe my insurance would have paid this bill just confused on the situation it is affecting my credit
Consumer complaint received 2022-11-27
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)

In accordance with the Fair Credit Reporting Act XXXX  ( XXXX XXXX XXXX XXXX  XXXX and XXXX  XXXX XXXX XXXX XXXX ), have violated my rights. 
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 2023-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear. CFPB My name XXXX XXXX XXXX XXXX XXXX, XXXX, Transunion CREDIT REPORTS on collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} Its not my collection. please remove it. 
Thank you. 
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 2023-01-25
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (VA)

I am an XXXXXXXX XXXX XXXX Veteran who was let go from my job on XX/XX/XXXX. I started to get further and further behind on my loan. In order to continue making my loan payments, I requested a loan reduction around XX/XX/XXXX. I was assigned a Home Preservation Specialist whom over the course of this process I communicated with through email and multiple phone calls. I spoke to my Home Preservation Specialist several times over the course of this process. During the process, she misguided me on my loan. I trusted the financial expertise of Wells Fargo and the Home Preservation Specialist assigned to me. I did as she asked and made payments when she advised and also held off payments until the restructuring was complete. Wells Fargo reached out to me on XX/XX/XXXX via email and informed me that I was not approved for assistance with my loan repayment. I responded by informing my Home Preservation Specialist that upon review of the paperwork, my income information was not correctly listed. Wells Fargo responded and informed me I could appeal the decision but once again I was denied. I was shocked and emotionally distressed when I received a letter from Wells Fargo offering me the option to short sale to avoid foreclosure. In order to save my home, I filed for Bankruptcy with little to no debt, only my home mortgage. Wells Fargo not only ruined my credit but destroyed my marriage. The support of my family helped me to get through this stressful time. As a Veteran who did not hesitate to serve my country, I was disgusted by the actions of this bank. The XXXX XXXX XXXX has helped me and continues to help me deal with the issues that have arisen from my time in the military and from situations like this. I understand now that I am one of the lucky few who was able to save their home by refinancing through a veteran-friendly company after my bankruptcy.
Consumer complaint received 2023-01-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

When a large amount of money was deposited into my account see where I have been getting alerts regarding someone trying to get into
My account, I also reached regarding unauthorized purchases let alone every time I log to check money I notice my money was becoming lower and lower with this account I rarely could keep a $1.00 in it due to money always seems to vanish from my account.
Consumer complaint received 2023-05-30
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 2017-05-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc. (CA)

This company is a  contractor for the state of CA. They collect unpaid tolls. I have only had one toll violation in the amount  of  XXXX  CENTS which I paid.     They c all one to three times per day, never leave a message. The two times I have spoken to someone there they have told me my number does not exist in their database so therefore they can not remove my number First, its a robocall. Violation of the TCPA laws. Illegal. Second, I have received  no letter except the orginal violation, which is entirely another subject,  XXXX    XXXX   XXXX  . I paid th at one fin e. They are in violation of the fair debt collection practices as well.     There is no account number, the dates are every single day except Sundays for at least  two  months now.   Their number they call from is  XXXX
Consumer complaint received 2023-01-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Conn's, Inc. (TX)

On XX/XX/2023, I was approved for financing with Conns. I purchased a television for {$600.00} and requested to pick-up the appliance in lieu of having it delivered. When I received the invoice and installment contract to sign via XXXX, a delivery fee of XXXX + tax was included on the contract. On XX/XX/2023, I called the customer service department to request a new contract and invoice with the delivery fee removed. The agent said it was system glitch. I was told they would not remove the delivery fee or send a new contract but would credit the delivery fee to my account. I explained just crediting the delivery fee to a persons account would not actually resolve the issue as your company adds this fee to the installment contract which means it will subject to interest. She further explained thats all they can do and would not issue a new contract. I cancelled my order. It is my belief that Conns does this as a practice to commit fraud against their customers by adding a delivery charge to all online orders. It seems to me as bait and switch at the very least.
Consumer complaint received 2022-12-05
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. (TN)

The company never sent any information to me by mail or email. I went ahead and sent further documentation they've requested to the false information on my account and they did respond by mail documentation not acceptable but it was accepted by XXXX and XXXX to resolve the incorrect public info
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. This action was initiated without any proof from any of the companies reporting. These inquiries are not factual since I never authorized them. The FCRA requires all reporting agencies to follow up and investigate those inquiries in question or delete. 

XXXX XXXX ; Date : XX/XX/XXXXXXXX XXXX XXXX ; Date : XX/XX/XXXX XXXX ; Date : XX/XX/XXXXXXXX XXXX ; Date : XXXX XXXX XXXX ; Date : XX/XX/XXXX XXXX XXXX ; Date : XX/XX/XXXXXXXX XXXX XXXX ; Date : XX/XX/XXXXXXXX XXXX XXXX XXXX ; Date : XX/XX/XXXXXXXX XXXX XXXX  ; Date : XX/XX/XXXXXXXX XXXX XXXX ; Date : XX/XX/XXXX