davidheineman/consumer-finance-complaints-large huggingface dataset:
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: 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, DEPT OF EDUCATION/XXXX  : # XXXX ( This will be all XXXX accounts starting in 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 2022-09-21
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: Experian Information Solutions Inc. (MD)

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about the inaccurate information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX : {$0.00}
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In accordance with the fair credit reporting act. The list of accounts below has violated my fedrally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX  account # XXXX XXXX $ reported XXXX XXXX XXXX  XXXX XXXX XXXX account # XXXX XXXX $ reported XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX $ reported XX/XX/ XXXX XXXX XXXX account # XXXX XXXX $ reported XX/XX/2022 XXXX XXXXXXXX XXXX account # XXXX reported XX/XX/ XXXX XXXX account # XXXX XXXX $ reported XX/XX/2022 XXXX XXXX account # XXXX XXXX $ reported XX/XX/XXXX XXXX  XXXX  XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX XXXX account # XXXX XXXX $ reported XX/XX/ XXXX XXXX XXXX  acct # XXXX XXXX $ reported XXXXXXXX XXXX XXXXXXXX XXXX XXXX account # XXXX XXXX $ report XX/XX/ XXXX XXXX XXXX account # XXXX XXXX $ report XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX $ report XX/XX/ XXXX XXXX XXXXXXXX XXXX XXXX  account # XXXX XXXX $ report XX/XX/ XXXX XXXX  XXXX XXXX XXXX account # XXXX XXXX $ XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX account # XXXX XXXX report XX/XX/202XXXX XXXX XXXX XXXX account # XXXX XXXX $ report XX/XX/2022 XXXX XXXX XXXX account # XXXX XXXX $ report XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX $ report XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX  account # XXXX XXXX $ report XXXX XXXX XXXX XXXX   XXXX XXXX account # XXXX XXXX $ report XX/XX/ XXXX XXXX XXXXXXXX account # XXXX XXXX $ report XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX XXXX account # XXXX XXXX $ report XX/XX/202XXXX XXXX XXXXXXXXXXXX XXXX account # XXXX XXXX $ report XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX account # XXXX XXXX $ report XXXX XXXX XXXX XXXX account # 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 section604 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 ) ( 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 beleieve that the information is inaccurate.
Consumer complaint received 2020-07-31
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, U S DEPT OF EDXXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to express my profound disappointment and frustration regarding the ongoing presence of fraudulent items on my credit report, despite thirteen previous attempts to have them removed. Despite providing extensive evidence of the fraudulent nature of these items and diligently following the required procedures outlined by your agency, they persist, causing significant harm to my creditworthiness and financial standing. 

As a victim of identity theft or fraud, I am entitled to prompt resolution of these issues under the Fair Credit Reporting Act ( FCRA ). It is unacceptable that your agency has failed to take appropriate action to address this matter and rectify the inaccuracies on my credit report. 

I demand immediate action to thoroughly investigate the fraudulent items and expedite their removal from my credit report. I have attached copies of all previous correspondence, dispute letters, and supporting documentation for your review, and I request that you conduct a comprehensive review of this information to facilitate a swift resolution. 

Failure to resolve this dispute promptly will leave me with no choice but to pursue alternative avenues for seeking redress, including legal action to enforce my rights under the FCRA and obtain appropriate remedies for the damages incurred. With this, I am asking for your assistance to remove these fraud items in my credit 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
Consumer complaint received 2022-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-09-21
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: AES/PHEAA (TX)

FED LOAN HAS BEEN USING MY REPORT FRAUDELANTLY xxxxxxxxxxxxx XXXX I DIDN'T ALLOW THEM TO USE MY PERSONAL INFORMATION WITH OUT MY CONSET THEY ARE IN VIOLATION OF 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] A ) I must be respected and have the right to privacy. 

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] A ) Section 2 : It also states that a consumer reporting agency can not furnish an account with out my written instructions. 

This is grounds for removal and monetary relief immediately.
Consumer complaint received 2019-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was shocked when reviewing my credit report and found inconsistent late payments on the dates below : 30 days late as of XX/XX/2019 ( all 3 Bureaus ) I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-11-26
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. (NY)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to express my ongoing frustration and disappointment regarding the inability to dispute items online. Despite numerous attempts over the past two months, I have been consistently blocked from utilizing this service, with the explanation being a technical error. Which isnt true. I am blocked from using the dispute center. Moreover, when I called for assistance, my disputes were not addressed appropriately. 

I find this situation deeply unfair and disrespectful. I kindly request immediate attention and resolution to this matter as it is hindering my ability to rectify inaccuracies in my credit report.
Consumer complaint received 2018-12-05
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BB&T CORPORATION (FL)

We started in XX/XX/XXXX applying to BB & T for construction loan. With no debt and adequate income it took 4 months to get approved. The funds disbursement agent was only available by email. If I asked more than one question, only the most brief answers to one of the questions. Yet 3/4 of each email contained all the days she would be out of the office and if she was going to be there - the hours of that day she would be available ... 

When we were finished building in XXXX XXXX, the final draw was issued. Our file was supposedly closed and sent somewhere from the construction dept. Four months went by and I couldn't get a closing date scheduled. I called many times and got a big runaround. I was being charged each month for interest only, which grew significantly due to all funds being disbursed. Every month I was charged {$53.00} for flood insurance. This was to be put in escrow. 

Our portfolio is also with BB & T wealth department. I initiated a request to liquidate the portion necessary to pay off the loan. When the wealth department heard this, a closing happened in 2 days! 

My complaint now is that after paying flood insurance for 2 years, my flood insurance expired!! I was never informed about needing an elevation certificate, although we had one ( pre-final ). So I ordered that and had it sent to BB & T. The insurance agent said she forwarded the renewal and payment requirement 3 times! No payment has ever been made by the bank!! I paid it myself this morning and I will be sending an immediate request for refunding all the excess I've paid over the last 2 years! This has been a nightmare with BB & T since the first day.
Consumer complaint received 2022-09-21
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am so baffled by this situation. I am not connected to any credit company or any of its kind. I have been reaching out to Transunion, asking them to provide me with legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. They have provided ZERO VERIFIABLE PROOF. You are big, XXXX liars! You claimed that you verified these accounts but provided no documents. I haven't heard any response from Transunion and it made me lose my patience. They have violated Sections 605B and are also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Enclosed here are my FTC report for your reference Below, are the items they should DELETE from my file : XXXX XXXX XXXX Date XXXX Balance : {$0.00}, XXXX XXXX Date XXXX XX/XX/2017 Balance {$63000.00}
Consumer complaint received 2018-12-05
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Phoenix Financial Services LLC (OH)

This account is in dispute. This is the 3rd collection agency who has contacted me and I have said this account is disputed an not owed. My insurance company made a mistake and these claims should have been paid to the XXXX XXXX ( XXXX XXXX ) 100 %. If anything is reported onto my credit I will be initiating a lawsuit regarding FDCPA, and FCRA violations. Not to mention opening a case file with the Indiana Secretary of State. I dispute this debt and wish that this company no longer contact me and close my file.
Consumer complaint received 2022-09-21
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. (MD)

Experian has violated my rights to privacy. 
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. 
Account Name : XXXX  XXXX XXXX Account Number : XXXX has violated my rights. 
Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. 
Account Name : XXXX Account Number : 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 1681 Section ( 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 2021-01-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: WELLS FARGO & COMPANY (TX)

California company XXXX XXXX XXXX XXXX is attempting to shake down/extort me for an alleged debt owed. They are illegally operating as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and other phantom names that do not exist. The company has no DBA 's for any of these names and refuses to identify themselves on phone calls. The person I spoke with was XXXX XXXX, a known administrator of the company along with her husband XXXX XXXX. They are illegally pretending to be attorneys, when they are in fact not attorneys. They have told me a lawsuit was filed against me when no suit had in fact been filed, they have said there is an open investigation against me for breach of contract and malicious intent to defraud a bank, leading me to believe I had committed a crime and could be arrested. They have called my mother, sister, father and threatened them. They have left threatening voicemails and refuse to leave me alone and my family alone. Phone they have called from include XXXX, XXXX, and XXXX.
Consumer complaint received 2022-11-24
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)

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$720.00} XXXX XXXX XXXX XXXX T Y ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$580.00} TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Date Opened XX/XX/XXXX, Balance : {$44000.00} ), XXXX XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$300.00} ), XXXX XXXX ( Account Number XXXX, Date Opened XX/XX/XXXX, High Balance {$500.00} ), XXXX XXXX XXXX ( XXXX, Open Date XXXX XXXX, XXXX, Highest Balance : {$29000.00} ), XXXX XXXX ( Account Number XXXX, Date Opened XX/XX/XXXX, High Balance {$570.00} ), XXXX XXXX XXXX XXXX ( XXXX, Open Date XX/XX/XXXX, Highest Balance : {$26000.00} ), XXXX XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$500.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 2. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 3. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 4. Identity Theft XXXX XXXX Account XXXX : XXXX Delete this account. 5. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, MD XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX MD XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, MD XXXX
Consumer complaint received 2022-09-20
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)

I reached out to all 3 credit bureaus ( Experian, XXXX, and XXXX ) telling the, that they were in violations of my rights and that the late payments must be removed asap. But no response nor removal of late payments have been removed. I reached out to all 3 companies on XX/XX/XXXX, XXXX In accordance with the fair Credit Reporting act XXXX  Account # XXXX ( Dated XX/XX/2022 and XX/XX/2022 ), 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 1666B : A Creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.