davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-02
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

NO KNOWLEDGE OF ACCOUNT PLEASE REMOVE AND SUPPRESS. SEND 1099C TO DEBTOR IS NOT REPORTING ACCURATELY ACROSS BUREAUS, REMOVE IMMEDIATELY REPORT ATTACHED UPDATE AND SUPPRESS NEGATIVE INFORMATION 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Responsibility Individual Individual Individual Status Collection account Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department Comments Collection account, Account previously in dispute - now resolved by data furnisher Dispute resolved reported by grantor Dispute Resolved - Consumer Disagrees
Consumer complaint received 2022-12-28
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. (TX)

Greetings, This is my follow-up request regarding the accounts that are reporting incorrectly. Please fix the individual accounts in order to appear accurately in my report, and could not harm my credit score. 

Here are the accounts mentioned : XXXX XXXX XXXXXXXX XXXX Balance : {$650.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1000.00}
Consumer complaint received 2023-01-02
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. (MS)

In accordance with the Fair Credit Reporting Act XXXX, XXXX, Transunion, XXXX XXXX XXXX has violated my rights. 
Transunion is reporting a collection agency XXXX XXXX who has breach the statute of Limitation of 3 years. XXXX is reporting XXXX XXXX XXXX charge off accounts which is a violation of 15 USC 1681 E and 15 USC 1666 Correction of Billing Errors. 
Also, XXXX is reporting both XXXX XXXX XXXX Accounts charge off accounts and the collection agency portfolio recovery. I have requested all consumer reporting agencies to remove these accounts and they have refused. 
15 U.S.C 1681 section 602 A states I have the rights to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent. 
15 USC 1681 E Compliance Procedures states for a consumer reporting agency ( CRA ) to assure maximum possible accuracy in its credit reports.

15 USC 1666 Correction of Billing Errors states A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
Mississippi XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX states that limitations to collect a debt is 3 years. XXXX XXXX has passed the statue of limitations to collect the debt. The statue started with XXXX with the date of XX/XX/2018 and refuse to show me a bill of rights sale. Then XXXX XXXX changed the dates to collect and has not validated the debt. These companies has refused to remove these accounts from the last 2 years.
Consumer complaint received 2023-06-07
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in 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
Consumer complaint received 2023-08-03
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. (FL)

I have 1 name XXXX XXXX XXXX I have 1 address XXXX XXXX XXXX XXXX I Have 1 date of birth XX/XX/1964 I have requested over 10 times to have my correct information up dated and all 2 credit bureaus have failed to correct my credit reports with my correct information.
Consumer complaint received 2022-11-18
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: SYNCHRONY FINANCIAL (FL)

XX/XX/XXXX XXXX denied me credit. I have the denial letter. XXXX XXXX passed away and they added my name in place of XXXX  XXXX. This is not my account never had an account with this bank and never will. The fraud department advised me that they were removing the fraudulent entry and they keep bringing it back. I just lost everything in the XXXX XXXX and this negative entry and caused me to be denied by the SBA now. I have hired an attorney who expected to fix this and filed an affidavit and sent to the repositories. XXXX has provided the necessary changes unfortunately XXXX and XXXX XXXX have been used by Synchrony bank as their own tool to hurt consumers. I requested proof and they can not prove it. The charged it off on XXXX XXXX in XXXX. Why am I dealing with his tradeline in XXXX? Someone needs to stop this bank from hurting consumers. 
Recently I lost everything in the XXXX XXXX where all my personal belongings were destroyed and I am trying to rebuild and my credit just went down XXXX points! from a closed tradeline that isn't even mine. this bank has over XXXX XXXX complaints and they still have a charter?
Consumer complaint received 2017-07-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

I am contacting your office to formally appeal the denial of the modification request for the property located at XXXX XXXX XXXX XXXX XXXX XXXX, CA. <P/>I received a written denial from Shellpoint based on NPV calculations that stated that I did not qualify for help. However, there were multiple errors made by Shellpoint in the data that was used to evaluate my request. These requests relate to the income used, as well as the appraised value that was listed on the form. These are obviously two MAJOR determining factors and the incorrect information used to conduct this evaluation renders the entire underwriting decision moot. <P/>Error # 1 : The file that was submitted in XX/XX/XXXX 2017 showed a significant change in financial circumstances and based on this, my monthly income average was {$35000.00} which is significantly HIGHER than the figure of {$25000.00} that was used in Shellpoint 's evaluation. <P/>Additionally, the property value that was used in their evaluation was listed as {$3.00} million dollars. However, I have correspondence from Shellpoint ( attached ) that clearly states that on XX/XX/XXXX Shellpoint acknowledged that the current property value was XXXX XXXX dollars. Now their appraiser and Shellpoint is attempting to state that the appraised value of this property increased over 1 million dollars in two months time. Not only is this inaccurate, it is mortgage fraud. <P/>It seems that Shellpoint is changing the rules of the game as we go and then hiding behind negative NPV as a reason for denial. They have changed the value of the property 3 times and over a million dollars each time. They have used inaccurate and outdated income figures to determine if I qualify for any assistance programs or plans. I understand there is a large delinquency but I deserve a fair and accurate review based on the information presented, not based on whatever value Shellpoint decides to use to back up their assertions. I thought that it was no illegal for appraisers to grossly inflate values in order to please the lender, yet it is obvious that is what is going on here
Consumer complaint received 2023-06-07
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. (PA)

Its has been since XXXX of XXXX to current, I have sent individual FCRA Section 604 letters out to dispute and request written evidence of specific hard inquiries and FRAUDULENT/INACCURATE Accounts on all the Credit report to XXXX. I notice several companies that I do Not recognize nor authorized consenting to.The letter detailed the specific Unauthorized FRAUDULENT Accounts, INACCURATE Accounts, and Inquirys in question and was sent certified mail/return receipt, copies are attached and so are the credit bureau XXXX XXXX. Below are the detailed Unauthorized FRAUDULENT/INACCURATE Account and Unauthorized FRAUDULENT Inquiries I asked to have investigated in early XX/XX/XXXX to Current days date. Unauthorized FRAUDULENT/INACCURATE Accounts 1. XXXX XXXX XXXXXXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX Unauthorized Inquiries TRANSUNION COAF DATE XX/XX/XXXX. Please verify these credit inquires that pulled/ viewed my credit without my permission. Within 5 business days in compliance with FCRA. TRANSUNION AND XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.
Consumer complaint received 2017-07-17
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. (AL)

XXXX    XXXX , 2017 I wrote a letter to TransUnion regarding some derogatory information on my personal credit report. I listed the items to be investigated and I asked for a thorough investigation to be performed. I also requested that a security freeze be placed on my report.
<P/>
The only response that I received from TransUnion was regarding the security freeze and the proper way to obtain one. While I do now understand that there is a fee associated with the Security Freeze, I am more interested in the derogatory information being reported on my credit report.
<P/>
I have not received any more communication from TransUnion regarding this matter.
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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 confidentially under 15 USC 1681 XXXX 
account number ending in XXXXXXXX XXXX XXXX balance {$990.00} has violated my rights. 
account number ending in XXXXXXXX XXXX  XXXX balance {$920.00} has violated my rights. 
account number ending in XXXXXXXX XXXX  balance {$0.00} has violated my rights. 
account number ending in XXXXXXXX XXXX  balance {$0.00} has violated my rights. 
account number ending in XXXX XXXX XXXX balance {$2000.00} has violated my rights. 
account number ending in XXXX XXXX XXXXXXXX XXXX XXXX Balance {$36000.00} has violated my rights. 
account number ending in XXXX XXXX XXXX XXXX balance {$600.00} has violated my rights. 
account number ending in XXXX XXXX XXXX  {$1000.00} has violated my rights. 
account number ending in XXXX XXXX balance {$250.00} has violated my rights. 
account number ending in XXXX XXXX {$450.00} has violated my rights. 
account number ending in XXXX XXXX {$460.00} has violated my rights. 
15 U.S.C. 1681 Section 602A I have the right to privacy.

15 U.S.C, 1681 Section 604A 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, 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 2020-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I was a victim of fraud and I am requesting a security freeze on my credit file. The following address are not accurate please delete : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, WV XXXX XXXX XXXX XXXX, XXXX, NY XXXXXXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, WV XXXX XXXX XXXX XXXX , XXXX, WV XXXX Please delete the following cellphone numbers ( XXXX ) XXXX ( XXXX ) XXXX they are number mine.
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 XXXX 
account number ending in XXXXXXXX XXXX XXXX balance {$990.00} has violated my rights. 
account number ending in XXXX XXXX XXXXXXXX balance {$920.00} has violated my rights. 
account number ending in XXXXXXXX XXXX  balance {$0.00} has violated my rights. 
account number ending in XXXXXXXX XXXXXXXX balance {$0.00} has violated my rights. 
account number ending in XXXX XXXX XXXX balance {$2000.00} has violated my rights. 
account number ending in XXXX XXXX XXXX XXXX XXXX Balance {$36000.00} has violated my rights. 
account number ending in XXXX XXXX XXXX XXXX balance {$600.00} has violated my rights. 
account number ending in XXXXXXXX XXXX balance {$1000.00} has violated my rights. 
account number ending in XXXX XXXX balance {$250.00} has violated my rights. 
account number ending in XXXX XXXX {$450.00} has violated my rights. 
account number ending in XXXX XXXX {$460.00} has violated my rights. 
15 U.S.C. 1681 Section 602A I have the right to privacy.

15 U.S.C, 1681 Section 604A 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, 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 2017-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I requested my credit reports in the mail. Upon looking at all  XXXX , the months of  XXXX  and  XXXX  has not been updated accordingly for Texas Attorney General. Also, this account is paid as agreed and not late. This negative remark is affecting my credit worthiness and my livelihood.
Consumer complaint received 2023-01-02
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: TD BANK US HOLDING COMPANY (CA)

In accordance with the fair credit reporting act XXXX Account # XXXX, # XXXX, XXXX XXXX XXXX account titled University of XXXX 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

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, 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 the information is inaccurate.
Consumer complaint received 2017-05-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Equitable Acceptance Corp (TX)

Consolidation company called. They apparently have 2 names " XXXX XXXX '' and " equitable acceptance '' They said they were consolidating my loans, I had 2 originally. However, after signing with them I have 3. This is quite confusing to me. They are emailing and calling, numbers I did n't even give to them. They are also threatening. I have n't sent any payments and when I found out this was a scam I turned off my card and changed accounts.
Consumer complaint received 2023-01-02
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. (AL)

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.