davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-19
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. (AR)

XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX, Account # XXXX, XXXX Account # XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXX ACCT # XXXX, XXXXXXXX XXXX  Account # XXXX 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 an account without my written instructions.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Trans Union credit agency has been flagging my purchases and credit applications with FALSE fraud alerts since 2022. I have repeatedly been embarrassed by declined transactions while making purchases with my own credit card, in my own zip code, in stores I visit regularly, for as little as {$99.00}. This, despite having a FICO score of XXXX and a number of open accounts, a mortgage, paid-off vehicles and no late or derogatory payment data. 
I have asked Trans Union to REMOVE the fraud alert from my credit file. They have NOT successfully identified an actual fraudulent transaction or credit application. They have interfered in my shopping, purchasing, travel and gift-giving with false positive flags. 
My rights as a consumer and credit customer include the right to transact business without interference or undue embarrassment. XXXX, a digital fraud prevention company, reported a cost of {$2.00} XXXX for e-commerce merchants in the USA alone due to false positives. False positives erode customer trust and adversely impact reputational image when a legitimate sale is lost. 
Allowing consumers to initiate a fraud alert should not prevent that legitimate purchaser from doing business as usual. Unless and until Trans Union adopts a more accurate and complete verification protocol, I will be adding statements like these to my credit file and posting online in financial, news and security forums about the unreasonable inconvenience and interference this agency is forcing on legitimate consumers.
Consumer complaint received 2024-03-11
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. (NJ)

Experian is in violation of FCRA 15 U.S. Code 1679c 15 U.S. Code 1681s2 15USC1681 ( a ) ( XXXX ). 

I called Experian is reporting XXXX Accounts, THERE IN NO XXXX I called Experian over 6 months ago and was told that the XXXX XXXX  accounts would be removed but there are still there on my credit report.
Consumer complaint received 2022-12-07
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. (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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-17
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. (CA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2022-12-06
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. (IL)

There is an account reporting from XXXX XXXX that does not belong to me, Ive sent it validation letter and Ive also sent in a letter from XXXX XXXX  stating that they have no account with my information that belongs to me. Ive disputed and it keeps coming back verified.
Consumer complaint received 2018-04-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

I originally had federal student loans ( all of my loans are federal ) from obtaining my XXXX XXXX from XXXX XXXX in XXXX and XXXX. I was approved for the XXXX grant but after sending in paperwork several to verify my 5years of XXXX  service at a title 1school I never received the {$5000.00} I was eligible for. I then in XXXX and XXXX was enrolled at XXXX XXXX  seeking a XXXX XXXX in XXXX XXXX. I have approximately $ XXXXfrom my first degree and {$30000.00} from the other schooling and although I tried repeatedly to get the loan forgiveness and even thought they had enrolled me, it was brought to my attention finally that no I had not been enrolled and Navient transferred my loans to XXXX XXXX XXXX. I am now not eligible due to the fact that over the last 13 years my salary has increased making me no longer eligible to get any assistance. Although Ive been making payments since XXXX ( occasionally taking deferments or forebearanceor being enrolled in school ) I have never been in default and i owe near the same amount as my original loans in XXXX and XXXX and XXXX. I am very distraught over all of this.
Consumer complaint received 2017-05-11
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Stearns Ventures, LLC (MN)

In  XXXX    XXXX  , my husband and I began the process of looking for a home loan.  Stearns Lending  was recommended to us by a realtor who worked with Stearns. We applied to see what we qualified for and the lender,  XXXX   XXXX  informed us that we could qualify for $  XXXX . We were excited and began shopping. On  XXXX   XXXX , we found a house in  XXXX , MN. We made an offer the following day and our offer was accepted the next day. We asked the lender if they would be able to accommodate the closing date of  XXXX   XXXX  and we got a resounding yes!   So, the process began, we had to provide them with statements, bank accounts, letters, etc Each requirement we have provided and yet there always seems to have a blockage with  Stearns. There was a period of about 3 weeks where we could not get a hold of the lender ; they never respo nded to any of our emails nor returned or calls. The closing did not happen  XXXX   XXXX . It was extende d 3 more times with excuses ranging from a family emergency to the appraisers not showing up at the property. The worst part is my family and I must pay another month of rent because the closing never happened. Our credit was pulled 2 more times after the initial application due to the postponed   closings.   Then after 2 months of excuses, we finally decided to go with another lender. And they got get our house closed in 9 days!    Stearns  dropped the ball numerous times and their apology was not substantial. They discounted some fees for us because of the circumstances but that would not be enough for the he aggravation, worry and time they have wasted.
Consumer complaint received 2023-01-07
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. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/1990 Credit Bureau Name : Experians, XXXX and 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  To whom it may concern, I am writing you because you are reporting increase on my credit port, that I do not recall please see items list the below : Creditor name : XXXX bankXXXX XXXX XXXX  XXXX XXXX bank, XXXX XXXX XXXX, XXXX financial, XXXX Auto, XXXX dealer, XXXX XXXXXXXX bank, XXXX auto, XXXX XXXX  bank, XXXX  financial, XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  credit Please forward me any documentation, providing proof I apply for credit with this creditors. If you can not provide such documentation, then please remove inquiries from my credit file immediately sincerely, XXXX XXXX.
Consumer complaint received 2023-07-09
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. (FL)

This account has already been sent a personal letter to the bank in charge, in the same way that we send a notification to the CFPB notifying the errors and data that report in my credit report negatively affecting my credit report. 

You were notified in the past of the errors and giving the explanation with evidence that this account was not authorized at any time by my person, all the information they requested was issued including written conversations by agents who work for that company and still continues to affect in a negative way without receiving any type of response from this entity.
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : XXXX RE : Partial Account Number : XXXX. 
XXXX Number : XXXX To whom it may concern, I am aware that the FCRA allows for creditors to report but they have to be compliant and accurate at all times. My concern with this account is this. It is reported on my consumer report that this alleged debt was charged off. However, based on the notice of late payment required to be given to a consumer by the FCRA, I did not receive a late notice within five ( 5 ) business days nor was notified that XXXX XXXX XXXX will be putting a negative remark on my consumer report. 

Also, based on the Fair Credit Billing Act, XXXX XXXX XXXX failed to provide me an up to date balance during the month ( s ) that this alleged debt was reported as late so how am I able to make sure the balance was not modified or misrepresented during that time causing a calculated error and in turn, caused the account to be late? How do I know that surcharges were not billed by mistake and that you were accurate while reporting? Can you please provide me with these details.

Additionally, according to the IRS, a 1099-C was to be sent in accordance with this chargeoff as it is over XXXX. However, one was not sent. Also, since the alleged debt was charged off, why are you still trying to collect on the alleged debt? Is that not considered fraud and abusive activity according to the FCRA? 



Again, according to the FCRA, all creditors MUST be compliant and accurate when reporting and I feel that XXXX XXXX XXXX failed in doing so.This account is inaccurate and XXXX XXXX XXXX had an obligation to the FCRA to tell me if I was going to be late and that you were going to post a negative remark on my consumer report. You also had an obligation to send me a 1099-C in which you failed to do so. With you reporting this account on my consumer report, it is considered an illegal report and in connection with the XXXX, XXXX XXXX XXXX will be in violation of certain codes equating to {$1000.00} per violation. 

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Injury to person Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations. 
Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] This account is inaccurate and I am demanding that it be removed from my consumer report. 

SEND CORRESPONDENCE TO THE ADDRESS PROVIDED BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, TX XXXX Without ill-will or animosity, PXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX With XXXX
Consumer complaint received 2023-04-18
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)

In XX/XX/XXXX my student loan accounts that had late payments were disputed and a response was given of updated. No changes were made or verified. I contacted XXXX who advised me they are not showing me as late and can not see before XX/XX/XXXX and that I needed to contact XXXX student aid. I contacted XXXX with XXXX student aid on XX/XX/XXXX who advised XXXX should have the history of my loan and to give them a call back. I have spoken to XXXX from XXXX who advised she can not view this information and I would need to contact my previous loan company. This company was XXXX XXXX XXXX who no longer services or can be contacted. I have never been late on any loan and they have always been in deferment. Please update or remove the accounts if unable to resolve the issue.
Consumer complaint received 2023-07-14
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 am XXXX XXXX XXXX and I am submitting this complaint and there is no third party involved. I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-12-08
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. (GA)

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

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

XXXX XXXX XXXX Balance {$1100.00} ; XXXX XXXX XXXX Balance {$800.00} ; XXXX XXXX XXXX Balance {$3600.00} ; XXXX XXXX Balance {$980.00} ; XXXX, XXXX ( Original creditor : XXXX ) XXXX Balance {$3100.00} ; XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$860.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance {$560.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX Balance {$700.00} ; XXXX XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX ) XXXX XXXX {$5200.00} ; XXXX / XXXX XXXX XXXX : {$0.00} ; XXXX / XXXX XXXX XXXX : {$0.00} ; XXXX / XXXX XXXX XXXX : {$0.00} ; XXXX / XXXX XXXX XXXX : {$0.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX WY XXXX, FL XXXX ; XXXX Inquired XXXX XXXX XXXX, XXXX ; XXXX XXXX NA Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX ; XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-12-08
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (NV)

On XXXX XXXX. I went to the store to make a purchase and my card kept getting declined. I called the number on the back of my card to see what the issue was about after going back and forward for about XXXX, I was told they could not help me and that I would need to write a specific department to see what the issue was about. I paid for my items, not suing the credit card being declined and went home. 
Once at home I called again and was advised I was being recorded, I too recorded the conversation. 
The supervisor told me that the reason my account was restricted was because I sent a Cease and Desist to Comenity Bank. I explained I have a copy of the C & D dated XX/XX/2022 and that it clearly stated to C & D from sharing my personal non public information since I was never given the proper disclosures about permissible purpose and my right as a consumer to 'Opt Out ''. The C & D was never giving them instruction to not communicate with me as a consumer regarding this account. 
I was told by the supervisor that whenever they get a C & D they restrict the account/ block the consumer from using it. As I was Understanding, I stated to him '' so you are telling me that in retaliation to the C & D, commenity bank restricted my account from using my credit card, simply because I was asking commenity to respect my Privacy according to the law and not share my information '', he once more, confirmed it " yes we do that whenever we receive a C & D. I asked him to state his name for the record and he did, he then informed me he would submit a complaint on my behalf. I told him what the company did was unlawful and that I would be pursuing it legally. 
he provided a case number. XXXX I have copy of the letter sent to them and delivery proof of the C & D sent to them on XX/XX/2022, along with certified mail receipt tracking number. 
Fact : No prior notice or warning regarding the status of my account had been given, nor provided to me through any means of communication. The only letter I received from commenity stated that they received my correspondence and that they noted my account. I have that letter with me.
Consumer complaint received 2022-12-08
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: Experian Information Solutions Inc. (OH)

Currently EXPERIAN XXXX AND XXXX sites reports are all different with specific information. ON EXPERIAN {$75000.00} in XXXX LOANS are on the consumer report but when their actually calculated they sum up to {$67000.00} a closed account is being added to my loans on the EXPERIAN SITE. During the pandemic all XXXX loans have been in deferment so they should not have interest added, so what is being calculated? Then the loans do not show the same as all other loans across the board. MEANING XXXX shows a total of {$7400.00} in XXXX  LOANS and XXXX shows {$72.00}, XXXX, while EXPERIAN presents me having 8 accounts on my credit and XXXX shows 17 accounts open and closed XXXX 11 accounts on my record. AGAIN, my question is why are ALL 3 CREDIT agencies REPORTING different amounts?!! The annual credit report pulled on XXXX shows that an account was charged off for ACCOUNT NUMBER XXXX at {$1100.00}, yet on the EXPERIAN site I can not find an amount reporting but {$8.00} on the site not in the annual report. XXXX reported a charge off at {$1000.00}. XXXX shows {$1000.00} was charged off. This Company XXXX provides the actual card number in the credit report which is a violation of my Consumer Protection Rights. XXXX IS ALSO A CHARGE OFF!! This should not be reporting. Transaction history of all accounts is also being reported all of this is a violation of my privacy. According to 15 USC 1692 ( a ) this shows excessive and abundant evidence of the use of abusive, deceptive, and unfairdebtcollection practices. Any CHARGE OFF is considered income which can not be reported on the credit report.