davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-17
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. (SC)

After several attempts of getting the credit reporting agency to do what's LAWFULLY correct as far as my credit reporting account. They have failed to delete the account. Investigation was not properly done. They pushed back with letters for me to reach out to the furnisher. 

I made an attempt again a month now as of today and no response. Not only did they not remove the times from my account ; they did not pay me per violation since they refuse to rectify this. Per the FCRA I noticed the credit reporting agency violated these laws as well : 15 U.S. Code 1681i section 602a- I have the right to privacy ( I did not give permission to anyone to place anything on my account 15 U.S. Code 1681i section 604a- I must provide written consent for any accounts. ( The credit reporting agencies as of today has NOT gave me a copy of my consent to do so. ) 15 USC 1681 ( a ) ( 4 ) - Violation 15 USC 1681a. ( e ) - Violation 15 USC 1681b. ( a ) ( 2 ) - Violation 15 USC 1681i. ( 5 ) ( A ) ( i ) - Violation 15 USC 1681a. ( 3 ) Medical information restriction guidelines, which has been violated.

15 USC 1681a. ( c ) 6. A States that I may seek compensation for violation damages. ( I will like to be compensated for these violations immediately or the removal of the accounts.
Consumer complaint received 2023-01-10
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2023-06-07
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In the summer of XXXX I received a late night message that my XXXX credit rating had went down. Upon checking my credit report the following morning I found a collection on my XXXX credit report from a company named " XXXX XXXX XXXX '' that I owe them a " Balance {$1000.00} '' Balance with a " Balance updated XX/XX/XXXX '' and having unexplained " Account number '' of " XXXX '' opened in XX/XX/XXXX. 

I opened no such account and made no such arrangements of any kind. I've now been given the run around for the past XXXX years and the credit reporting agencies will not appropriately investigate and provide the details of me having opened an account or made payment arrangements. It would appear the collection stems from an account they have no records for which is far beyond the statute of limitations for collections. I have since sent letters to all three major credit reporting agencies which included the following statement : Please adhere to the attached Consumer Financial Protection Bureau CFPB order to XXXX XXXX XXXX in the following document - https : XXXX Additional information regarding the file include : Account type - Debt Buyer Seller : XXXX XXXX  Acquired On : XX/XX/XXXX Account Open Date : XX/XX/XXXX ( I opened no accounts at all that year ) Status - Collection account. {$1000.00} past due as of XX/XX/XXXX. 
Last Payment : {$290.00} on XX/XX/XXXX ( I did not make any such payment ) Status updated- XX/XX/XXXX Contact info Name XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX, VA XXXX Phone number - ( XXXX ) XXXX
Consumer complaint received 2017-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (AL)

I applied for a secure credit card on  XX/XX/XXXX . I provided all of the required information and I was still rejected. Discover card discriminated against me prior in  XX/XX/XXXX  also, there is systemic credit discrimination going on at this company.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (OH)

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 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

According to the Fair Credit Reporting Act, 15 United States Code 1681 Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. In accordance with the Fair Credit Reporting Act, my rights have been violated. 15 United States Code 1681 section 602 : states I have the right to privacy. 15 United States Code 1681 Section 604 Part 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 United States Code 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 



I'm requesting Debt validation with United States XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX # XXXX : XXXX. A copy of the original contract with MY SIGNATURE for the debt listed below. 

XXXX. Full payment history from original creditor XXXX. The name and address of the original creditor XXXX. Proof that you now own or assigned the debt to collections I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the Fair Credit Reporting Act, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. You have NOT provided me a copy of ANY original documentation required under 15 United States Code 1681 Section 609 ( a ) ( 1 ) ( A ) & 15 United States Code 1681 Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and 15 United States Code 1681 Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance 15 United States Code 1681 Section 617 if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the Fair Credit Reporting Act. 



I demand the following accounts be verified or deleted immediately. Account Account Number Provide Physical Verification United States XXXX XXXX  XXXX XXXX XXXX Florida XXXX XXXX # XXXX Please remove all non-account holding inquiries over 180 days old. 



Please add a XXXX Suppression to my credit file. 



Thank You, XXXX XXXX
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

There is a mortgage account being reported on my credit report by Equifax, XXXX, and XXXX that shows inaccurate late payments, up to 60 days, that are different on each bureau and have not been verified after several attempts to correct or remove the account. I have sent in multiple dispute letters, and have talked with each bureau on the phone, and have not made any progress, the account still remains unchanged on my credit report. 

I have made several attempts by mail over the last year or longer. The late payments on the account have never been verified but remain on the account. I have also spoken on the phone with each bureau and made no progress. 

This account has been negatively affecting my credit report and preventing me from getting new lines of credit, loans in particular. Not one of my other accounts shows any type of late payment activity. This account has made my financial situation very difficult.
Consumer complaint received 2022-12-17
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)

My name 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.
Consumer complaint received 2023-01-10
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. (OH)

There is a mortgage account being reported on my credit report by XXXX, TransUnion, and XXXX that shows inaccurate late payments, up to 60 days, that are different on each bureau and have not been verified after several attempts to correct or remove the account. I have sent in multiple dispute letters, and have talked with each bureau on the phone, and have not made any progress, the account still remains unchanged on my credit report. 

I have made several attempts by mail over the last year or longer. The late payments on the account have never been verified but remain on the account. I have also spoken on the phone with each bureau and made no progress. 

This account has been negatively affecting my credit report and preventing me from getting new lines of credit, loans in particular. Not one of my other accounts shows any type of late payment activity. This account has made my financial situation very difficult.
Consumer complaint received 2023-06-15
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: JPMORGAN CHASE & CO. (TX)

I have made numerous attempts to reach out to Chase Bank on multiple occasions : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  For the past 12 months, I have been in the process of constructing my home, for which I obtained financing through a different lender. Unfortunately, Chase Bank has erroneously reported two business credit cards, ending in XXXX and XXXX, on my personal credit profile. This has caused significant financial harm, as I am now unable to secure my mortgage, with the closing scheduled in just 45 days. 

Here is some background information regarding the situation : I maintain multiple accounts with Chase, both personal and business. Throughout the past year, I have noticed excessive service fees being charged to my business checking account by Chase. I solely use this account to make credit card payments for my Chase business credit card. 

Initially, I set up autopay for my accounts to ensure timely credit card payments. However, due to Chase 's persistent excessive service fees, the money I deposited into my account was being deducted to cover these fees. Despite reaching out to Chase multiple times to rectify the issue, no one seemed to comprehend why I was consistently overcharged. This cycle persisted for months, with Chase continuing to levy excessive fees. 

Eventually, I managed to secure an in-person appointment, during which a bank representative promptly recognized the excessive charges as the root cause of the reported " late '' payments on my personal credit report. The representative refunded the excessive bank charges and acknowledged the error. However, they were unable to rectify the credit reporting issue as it fell outside their department 's purview. 

Subsequently, I contacted Chase Credit Reporting multiple times, only to be informed that they do not consider this a banking error. Instead, they advised me to dispute the matter with the credit bureau. According to them, the investigation would reveal the excessive charges and the removal of my account from autopay, leading the credit bureau to remove the negative reporting. This conversation was recorded on XXXX XXXX XXXX XXXX XXXX and I encourage Chase to review the call if necessary. Given that Chase acknowledges this as their mistake, it is perplexing why they are unwilling to rectify the negative reporting directly, without requiring my involvement with the credit bureau. 

I am currently scheduled to close on the house that I have diligently saved for over the years. However, due to Chase 's error, their subsequent acknowledgement, and their reluctance to correct the situation, my mortgage application has been declined, jeopardizing my dream of building this home.
Consumer complaint received 2023-01-10
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. (FL)

Experian has allowed fraudulent, derogatory information to be furnished against me that has been proven to be unfounded. Experian has failed to adequately investigate accounts upon written notification from me that the accounts were fraudulent or inaccurate. Experian has and continues to monetarily benefit from defaming my character.
Consumer complaint received 2023-06-07
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. (TX)

I have requested numerous times for this account to be deleted because it was found to be inaccurately reporting with XXXX and XXXX so they deleted the account. Transunion however keeps sending me stall letters and information stating that the account has been updated and verified and that was a lie. Transunion is not being hinest or fair in their reporting practices. Transunion has lied and published the account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX without my consent and I want it deleted immediately.
Consumer complaint received 2023-01-10
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. (FL)

On XX/XX/XXXX I contacted Experian about the following inquiries XXXX XXXX XXXX ( Inquiry on XXXX XXXX XXXX ), XXXX XXXX OF XXXX XXXX XXXX on XXXX XXXX XXXX ), XXXX XXXX  XXXX ( Date of inquiry : XX/XX/XXXX ), XXXX XXXX ( Date of inquiry : XX/XX/XXXX ), XXXX XXXX XXXX XXXX  ( XXXX of inquiry : XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX ), XXXX XXXX XXXX ( Date of XXXX : XX/XX/XXXX ). Its been over 45 days and Experian havent respond to my request as they are required to by the XXXX XXXX XXXX XXXX.
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. (HI)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
Account ( XXXX XXXX XXXX ) According to 15.USC 1681i ( 1 ) the Credit bureaus have to modify or delete accounts that are nor reported accurately According to 15 1681 ( 1 ) the Credit bureaus don't have no written permission According to 15 USC1681s-2A a person shall not furnish a y information relating to a customer to any customer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and conformation of errors A person should not furnish relating to a consumer to any consumer reporting agency If- The person has been notified by the consumer, at the address specified by the person for such notice that specific information is inaccurate.

I can go on and on The Credit bureaus no respect for laws.

Someone newd to hold the accountable for this.
Consumer complaint received 2023-01-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (MD)

My car was repossessed and rhe amount to get the car back included {$2100.00} in just late fees. When asked about that amount Wells Fargo sent a report that showed late fees on every payment since 2017. ( Report attached ). The late fees were never once discussed or discovered until the repossession.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I disputed a collection account from XXXXXXXX XXXX XXXXXXXX with Transunion. I was able to prove I canceled my XXXX account XX/XX/XXXX but was continued to be billed till XX/XX/XXXX. These are fraudulent charges. The item was removed from transunion report on XX/XX/XXXX but showed up again. 
It did not stop being fraud! I should not have to dispute over and over.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Systems,Inc. (GA)

The following company National Credit Systems has listed there name on my credit reports with XXXX and XXXX as a debt I am not familiar with. Acct # XXXX with a balance of {$21000.00}. I have reached out to this company in the past via certified mailing. I have never done business with this company or anyone they may represent. I have requested validation, made pursuit to the fair debt collection practices act and the fair credit reporting act, along with the corresponding local state laws.I requested validation competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay them.I have not receive such evidence. Placing there company name on my credit report with XXXX and XXXX for a debt that I do not owe is a violation of the FCRA & FDCPA. If this company continues to violate my federal rights in regards to credit reporting laws. I would file legal actions for defamation, Negligent enablement of identity fraud, Violation of the Fair Debt Collection Practices Act, Violation of the Fair credit reporting act
Consumer complaint received 2023-10-08
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Post Lake Lending Inc. (CA)

On XX/XX/2023, I was approved and received a loan of {$450.00} being told over the phone that overall payment throughout the terms of the loan would {$450.00} plus {$120.00} in interest or around {$570.00}. I've since paid {$200.00}, plus two {$130.00} since. After calling them I was told I would still owe 5 additional bi-weekly {$130.00} plus {$20.00} after. Total amount of over {$1000.00} or 100 % over principal amount. Is this company legal in California? I realize now I never received a copy of my loan agreement or terms of payment.
Consumer complaint received 2023-01-10
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. (TN)

XXXX XXXX XXXX CONTINUES TO HARASS XXXX XXXX WITH NUMEROUS OF PHONE CALLS THROUGHOUT THE DAY ESPECIALLY WHILE WORKING AND SPENDING TIME WITH MY FAMILY. I HAVE REPEATEDLY STATED TO CEASE AND DESIST ALL CALLS AND TO SEND ME A LETTER IN THE MAIL BECAUSE I HAVE NEVER DID ANY BUSINESS WITH XXXX XXXX XXXX. I RECEIVED A LETTER IN THE MAIL STATING THAT XXXX XXXX XXXX  BOUGHT THE DEBT FROM XXXX AND IS REQUESTING PAYMENT. I SENT A DEBT VALIDATION LETTER TO XXXX XXXX. XXXX XXXX SENT BACK A FALSE AND MISLEADING STATEMENT FROM XXXX. XXXX XXXX WENT TO CHECK HER CONSUMER REPORT AND NOTICED THAT XXXX XXXX XXXX ATTACHED XXXX COLLECTIONS ON MY REPORT. THE OTHER COLLECTION FROM XXXX XXXX WAS FROM SOME BANK I NEVER HEARD OF BY THE NAME OF XXXX XXXX XXXX BANK. XXXX XXXX AND BOTH CONSUMER REPORTING AGENCIES HAVE VIOLATED MY CONUSMER RIGHTS UNDER THE FDCPA. XXXX XXXX AND XXXX XXXX XXXX IS STILL IN DISPUTE OVER THE ALLEGED DEBT BUT YET THEY ALREADY DISPLAYING FRAUDLENT BEHAVIOR BY PLACING THE ALLEGED ACCOUNT IN COLLECTIONS. XXXX XXXX NEVER DID ANY BUSINESS WITH XXXX XXXX, SO XXXX XXXX SHOULD NOT HAVE ANY OF MY PRIVATE INFORMATION WHICH IS ANOTHER VIOLATION OF MY CONSUMER RIGHTS!!! XXXX OR EQUIFAX NEVER VERIFIED THE INFORMATION BUT INSTEAD PLACED IT ON MY CONSUMER REPORT WHICH IS YET ANOTHER VIOLATION OF THE FDCPA.