davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1981 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 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-21 ( 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 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

The paid in full account with XXXX XXXX is still reporting incorrectly on my credit reports. I have disputed this information over and over and over again, to no avail. Each time the information gets more messed up than the time before. And I continually get the same response from the credit reporting agencies " the information is reporting correctly ''. But, it is NOT reporting correctly, not at all. This is causing me to be turned down for a mortgage and keeping me stuck way over paying for rent when I could be putting money towards equity in a home. All of the late payments are incorrect, and among other things, are reporting the last 90 day lates months past when I sold the home, how is this even possible? Each Credit Reporting agency is showing different information. I know exactly how the information should be reporting, but after literally dozens of disputes, letter mailing, faxing and phone calls. I just do not feel that it should be up to me to show the credit reporting agencies how they should be reporting. I do know that its against the law to continue to report incorrect information for over a year. At this point the entire tradeline needs to be DELETED. If not I will have no other choice but to hire an attorney and take the credit reporting agencies to court. I don't want to do that, but I honestly do not know what else to do at this point. I am at my wits end. The data furnisher points the finger at the CRA 's and the CRA 's point the finger at the data furnishers. This is insanity. I have filled complaint after complaint and dispute after dispute. And each time I get nowhere, but my reports just get more messed up. This just isn't how a XXXX veteran who served this country honorably, or anyone else for that matter, should be treated. And their credit ruined. Its just not right.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since XXXX a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-06
Product: Credit reporting 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. (PA)

I DO NOT AUTHORIZE, BENEFIT, NOR CONSENT FROM THE INQUIRIES BEING REPORTED ON MY CONSUMER REPORT ( XXXX ). I DEMAND THAT THESE INQUIRIES BE DELETED IMMEDIATELY!! PLEASE VIEW THE ATTACHMENTS ALONG WITH THIS COMPLAINT. 

REPORTING INQUIRIES ESPECIALLY WITHOUT MY CONSENT IS A VIOLATION OF THE FCRA. CONGRESS DEFINES WHAT IS TO BE EXCLUDED FROM A CONSUMER REPORT ( INQUIRIES ARE EXCLUDED FROM CONSUMER REPORTS ), AS WELL AS DETAILS PERMISSIBLE PURPOSE TO FURNISH A CONSUMER REPORT ( WHICH YOU HAVE NO PERMISSIBLE PURPOSE ). 

I DEMAND A PROMPT RESPONSE WITHIN 10 DAYS UPON RECEIPT OF THIS NOTICE! THANKS
Consumer complaint received 2023-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: STATE EMPLOYEES CREDIT UNION (TN)

According To 15 USC 16815-2 ( a ) ( 1 ) ( cp ) reporting information During Covid-19 in accurate information is violation of the law..I reach out Several Time Concerning This Matter
Consumer complaint received 2022-10-26
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. (FL)

In accordance with the fair credit reporting act XXXX XXXX account # XXXX and XXXX XXXX  XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states i have the rights 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 2023-06-21
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. (TX)

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. 

The letters are stated with items and issues. 

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 2023-08-21
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. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credence Resource Management, LLC (AL)

I am writing to express my deep concern regarding an item on my credit report that contains inaccurate account information. Despite my repeated attempts to dispute this item and request validation of the debt and the original agreement, it remains on my credit report without any evidence of validation from Credence, XXXX, or XXXX. 

Account Name : Credence Rm Account # XXXX I have diligently followed the proper procedures to dispute this item by submitting written requests and providing supporting documentation. Regrettably, my efforts have been met with silence, and I have not received any validation or response regarding the validation process undertaken by the credit reporting agencies involved. 

Therefore, I am formally requesting verification of how this debt has been validated and a detailed breakdown of the procedure that was taken to validate it. It is imperative that I understand how this debt was verified, as it directly affects my creditworthiness and financial standing. 

In accordance with my rights under the Fair Credit Reporting Act, if this debt can not be adequately validated within the specified timeframe, I demand that this account be immediately removed from my credit report. Continuing to report inaccurate and unverified information is a violation of my consumer rights under 15 USC 1681.

I trust that you will take this matter seriously and promptly address the inaccuracies in my credit report. I remain hopeful that we can resolve this issue amicably and without the need for further actions. 

Please provide the following information : 1. Documentation validating the existence and legitimacy of the debt, including the original agreement or contract.

2. A clear explanation of the steps taken by your agency to validate this debt, including the date and method of communication with the creditor or debt collector.

3. Any correspondence or records exchanged between your agency and the creditor or debt collector during the validation process. 

Should you fail to provide satisfactory validation of this debt within the specified timeframe, I will have no choice but to exercise my rights under 15 USC 1681 and pursue appropriate legal action to protect my consumer rights and seek redress for any damages caused by the inaccurate reporting. 

I expect a prompt response and resolution to this matter. Thank you for your immediate attention and cooperation. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have been trying to remove the XXXX account on my report for quite some time. TransUnion stated that after investigating it was accurate. I find that hard to believe considering the fact that even me as the alleged owner of the account can not even communicate with XXXX because XXXX has no knowledge of me as a customer. Also TransUnion is wel aware that this collection is well beyond the statute of limitations. It's my belief that TransUnion 's investigation was nothing more than a hoax because neither TransUnion or XXXX has shown me a single document that shows ownership as well as not a single email or call or letter regarding payment at any time.
Consumer complaint received 2018-04-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Essential Lending Inc (SC)

On XX/XX/XXXX Essential Lending an unauthorized check against my XXXX XXXX XXXX checking account for the amount of XXXX. I borrowed XXXX dollars from Essential Lending back in XX/XX/XXXX, due to medical financial issues I asked to be put on a XXXX dollar per month payment plan. The plan was approved by Essential Lending until XX/XX/XXXX. My original payments were XXXX. Came XX/XX/XXXX made several attempts to contact Essential Lending, via phone and email to discuss further plans for my payments. Essential Lending took upon themselves to write a check against my account without my authorization of XXXX. Below is a copy and paste of one of my conversations with Essential Lending along with the manager name and contact information. 

On XX/XX/XXXX, at XXXX XXXX, XXXX XXXX XXXX wrote : Hi XXXX, I will be able to start making my agreed to payment of XXXX come XX/XX/XXXX. If I can do the XXXX this month and XX/XX/XXXX, I will be good to go starting in XX/XX/XXXX. 

Thanks XXXX XXXX Sent from my XXXX On XX/XX/XXXX, at XXXX XXXX, XXXX XXXX XXXX wrote : Good Morning XXXX, I am sorry I was unable to get back to you yesterday. 

I wasn't able to reach you on the phone. 

Are you able to start paying your regular payments of {$260.00} again, or do we need to make special arrangements for the rest of your payments? 

Just let me know what you are needing to do, and I will see what I can get done for you. 

Thank you, XXXX XXXX Loan Manager Essential Lending Inc. 

XXXX XXXX ext. XXXX XXXX fax
Consumer complaint received 2023-09-06
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

During pandemic according to payment .code 15 USC 16815-2 ( a ) ( 1 ) ( cp ) reporting information to credit Burea late payments was Not comply with the lawI Dispute This inaccurate information several Time
Consumer complaint received 2023-08-21
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. (CA)

unauthorized hard inquiries from experian XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX
Consumer complaint received 2023-06-21
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. (TX)

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.

The letters are stated with items and issues. 

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 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In accordance with the Fair Credit Reporting Act the list of accounts below has violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.1681 XXXX XXXX ( Original Creditor : XXXX XXXX ) acct : # XXXX, XXXX, acct : # XXXX, Personal information : XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NV 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 account without my written instructions.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

In according with the fair Credit Reporting Act XXXX Account : 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 furbish an account without my written instructions.
Consumer complaint received 2022-12-06
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. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

My roommate 's girlfriend deposited 3 checks in my account, the checks cleared and I withdrew the money from an ATM. In a couple of days my account was locked due to a problem with the deposited checks. I have called Capital one no less than 4 times trying to resolve this issue to no avail. I also have a credit card with this bank but they wouldn't let me pay my credit card bill. At last check my account shows I have {$230.00} in the account, but can't transfer or withdraw money. I'm currently homeless because I don't have access to my account.
Consumer complaint received 2021-04-25
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)

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that XXXX XXXX XXXX XXXX absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.
Consumer complaint received 2023-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NJ)

Dispute/Fruad # : XXXX XXXX I was told told after " Based on our information and provided results of our research we are pleased to inform you that your request for reimbursement has been honored. The credit has been posted to your account in the amount of {$890.00}. '' Nothing has been posted to my account...
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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.

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 2024-06-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cascade Capital, LLC (GA)

On XX/XX/XXXX, I was transported to the hospital via ambulance by XXXX XXXX XXXX XXXX, XXXX ( original creditor ). At that time, my medical insurance provider was XXXX. The amount initially billed by XXXX XXXX XXXX XXXX, XXXX was {$4800.00}, but XXXX negotiated a discount of {$2200.00} leaving a balance of {$2500.00}. XXXX then paid {$2000.00} of this amount leaving a balance due of {$510.00}. At some point thereafter, this debt to XXXX XXXX XXXX XXXX, XXXX was evidently purchased by Cascade Capital Funding , LLC located in XXXX, XXXX ( current creditor ). 

On XX/XX/XXXX, I received an email alert from XXXX that my previously exceptional XXXX score had fallen by XXXX points. I immediately logged into my Experian account and discovered that the culprit was XXXX XXXX XXXX XXXX XXXX located in XXXX XXXX XXXX  ( collection agency ) falsely reporting on behalf of their client Cascade Capital Funding , LLC that the balance due is {$2700.00}. 

On XX/XX/XXXX, I disputed the validity of the alleged balance due with XXXX XXXX XXXX XXXX XXXX along with XXXX, XXXX, and XXXX and provided proof in the form of my explanation of benefits from XXXX that the balance due is only {$510.00} NOT {$2700.00}. 

As of this writing, both XXXX and XXXX have removed the XXXX XXXX XXXX XXXX XXXX collections account from their respective credit reports on me entirely. XXXX, however, has refused to do so or to even correct the balance due from {$2700.00} to {$510.00} because the creditor has verified to our company that the balance is being reported correctly.