davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-07
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. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be repaired as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXXXX/XX/2021 XXXX OF XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2023-05-24
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PORTFOLIO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

I told TransUnion to reinvestigate these accounts : XXXX XXXX  # XXXX and XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, last activity date, and more are incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2017-05-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NJ)

this will be an update to my  CFPB/Regulatory Case Number  :  XXXX  dated      XXXX   XXXX   2017.    I have repeatedly tried to get the deed-in-lieu of foreclosure documents from  Bayview Loan Servicing LLC.  to allow me to start the process.   on   XX/XX/XXXX ,  I receive a  XXXX  mail asking me to start the deed-in-lieu documentation ; NO Documents were included to start the process. I have asked verbally to  XXXX   XXXX   XXXX  for the documents, for three weeks thru   XX/XX/XXXX , I have writt en to Bayview,  XXXX   XXXX   XXXX  and his manager  XXXX   XXXX   XXXX , on   XX/XX/XXXX  and  XX/XX/XXXX   via USPS, asking for written confirmation of receipt of these letters. No confirmation was received to either.   Finally on   XX/XX/XXXX  I r eceive the correct blank documents from Bayview, I have the coverdoc. from  XXXX .   next day   XXXX / XXXX /2017 I t ook the completed docs to  XXXX , at mid-afternoon EST, the fax machine at  Bayview, was inoperable, within the time suggested by Bayview  :  XXXX  thru  XXXX  MST. Sat   XXXX   XXXX   / XXXX /17 I  returned to scan the docs to a  USB drive,   returned home and emailed the nine pages ( as attachment  ) to    XXXX  XXXX  XXXX . the email never arrived. Wednesday   XX/XX/XXXX , I re-sent the same em ail with attachments to  XXXX   XXXX  and  XXXX   XXXX , consumer advocate a t Bayview. I have no email confirmation from Bayview. Toda  y  XX/XX/XXXX  I rece ive notice my application for deed-in-lieu process, is too late to delay the  Sh  eriff 's sale. Please ask Bayview a nd  XXXX   XXXX , about the three week delay in   XX/XX/XXXX , a nd now it is too late!?   I am very disappointed by the lack of professionalism, and very slow communication by Bayview and  XXXX   XXXX .
Consumer complaint received 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

FCRA VIOLATIONS : XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$7900.00} written off. 
XXXXXXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$990.00} Status Account charged off. {$990.00} written off. {$990.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$310.00} Status Collection account. {$310.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4800.00} Status Collection account. {$4800.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$2600.00} Status Account charged off. {$800.00} written off. {$1200.00} past due as of XX/XX/XXXX.
Consumer complaint received 2023-02-07
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. XXXX and TransUnion must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-07
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. (MI)

This account is past the 7 years mark and I want it remove. The debt wasnt sold, its been 7 year $ months to today XXXX XXXX XXXX XXXXXXXX XXXX {$7600.00}
Consumer complaint received 2020-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT XXXX HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

This XXXX  entity was contacted by my lawyer. The dispute letter in addition to my previous letters has been recklessly disregarded. The credit reporting companies are farudulent and bogus, these three corrupt companies-XXXX, Equifax and XXXX ruined my credit scores based upon false misinformation provided by the creditor banksXXXX XXXX XXXX. and XXXX XXXX XXXXXXXX. Please see attached letters.
Consumer complaint received 2022-10-31
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)

I've sent dispute letters for reinvestigation with cra. They sent back reinvestigation showing inaccurate accounts as verified. I've tried to fix this matter with cra. I ask if they contacted furnisher and ask for names and address to whom provided the information, and they had no answer. Cra or furnisher either both has violated the FCRA LAWS. I have proof of violations. Here are the laws that cra didn't obey. Thank you. 

1.15 U.S.C. 1681e SECTION 607 ( B ) 2.15 U.S.C. 1681i SECTION 611B ( iii ) 3. 15 U.S.C. 1681 SECTION 602 A.
Consumer complaint received 2024-03-31
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. (NY)

In accordance with the Fair Credit Reporting act. The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX BANK Account number XXXX XXXX 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 stares a consumer reporting agency can not furnish a account without my written instructions 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 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

On XX/XX/2023 I applied for an Annual Credit Report and was denied the report from Equifax. They after I call to get verified and find out way my credit score drop, they proceed to waste my time not allowing me to be verified by their system, then verbal questions by a rude rep., then a supervisor proceed to tell me that I need to send in my license and social security card in order to be verified. All this time of approximately 2 hours was wasted. 

They have been sending me advertisement up until today to take their product and I want. I printed out the last two piece of them trying to get me to sign up for their product. See their copies, of trying to lure me into their product.
Consumer complaint received 2017-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I can no longer get access to my credit report  ( s )  from ANY of the  XXXX  credit reporting bureaus, now that I have filed complaints against them. I find this punitive and very bad business.     I DEMAND access be reinstated online through the portals that they set up, and of which I have an account. I need to make sure that they are investigating my submittals and demands that they correct and update my information.     I have lost the ability to purchase the home I wanted, because they continue to play games with my repo rt ( s ).      I demand access be reinstated, and new reports AND scores be sent via postal mail within  10 busine ss days. I further DEMAND that all the disputes be FINALLY, corrected and updated.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties.
Consumer complaint received 2023-01-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Started a new job in XX/XX/XXXX. ( GOV ) My direct deposit was not submitted on time therefore I was issued a paper check for my 1st week of work. Check was sent my mail issued by Us Treasury. Which arrive to my mailbox 3 weeks after official pay date. 

I Deposited the check in the cap one mobile app. I then received an e-mail from capital one that my funds would be available in 7 days or so. 

Then I received another email stating We're restricting your Capital One 360 account ( XXXX ) until we can verify your recent account activity. 

I called and they needed to verify check.???? Didn't make sense, they clearly know then can verify using the Treasury verification check website, which I did myself.I provided number to my gov office HR. It's been a month and I have no access to my money or savings account. I can't even make credit card payments. Locked of of my capital one account.
Consumer complaint received 2024-03-31
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. (MN)

XXXX is illegally reporting nonpublic private information I never gave them consent to report on my consumer report in accordance to the requirements of the GLBA. I have officially filed a fraud report with the FTC to have XXXX XXXX XXXX. By law XXXX XXXX and or the credit reporting agencies are to block this information within 4 days from receipt of this notice. If this information is not deleted within 4 days I will be moving forward with filing a lawsuit.
Consumer complaint received 2023-07-27
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. (NC)

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 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 2022-11-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Health Care Management Services, Inc. (GA)

XXXX XXXX XXXX XXXX XXXX violated my right to privacy by furnishing my private Protected Health Information to HSI financial Services , LLC without my authorization. The unauthorized disclosure of my private health information allowed HSI financial Services , LLC to illegally obtain individually identifiable information about me, my health condition, and private information regarding my treatment. HSI financial Services , LLC unauthorized access to this information is a violation of HIPAA and a violation of the Fair Credit Reporting Act as my right to privacy was infringed upon. HSI financial Services , LLC then used this unauthorized information to harass me by contacting me without my consent via postal mail and via telephone. Beginning on XX/XX/2022, I've been receiving daily unconsented harassing robo phone calls from HSI Financial Services , LLC from a ( XXXX ) XXXX number with claims of an attempt to collect a debt. The Fair Debt Collection Practices Act prohibits such behavior from debt collectors. On XX/XX/2022, I sent HSI a cease-and-desist letter with demands for documentation to assess and validate this alleged debt. I have not received a response, or any of the requested documents. HSI Financial Services , LLC 's refusal to reply and their negligence to provide the requested documentation violates my right as a consumer to validate the legitimacy of this alleged debt.
Consumer complaint received 2021-07-29
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. (NV)

Im a victim of ID theft. And : I produced all the documents to Experian and they are refusing to fix the problem. They are still reporting the fraudulent accounts on my credit file
Consumer complaint received 2022-12-04
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. (MI)

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 XXXXXXXX # 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 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY (NV)

Ive been in Wells Fargo for three years now and Im using their credit card. Im a good customer, but when I asked them to file a fraud for me, they gave me a temporary credit and they ending up charging me back again. I clearly told them that I have been negotiate with that merchant, but they wouldnt let me Refund the amount its because the hotel policy cant do any refund for Reservation. I can only ask help for my bank in regards with refunding the money but when I called Wells Fargo, they assist me with false promises that they were XXXX XXXX be on my side and thats their purpose. Also their benefits for terms and conditions clients have XXXX liability with any fraud complaints. I didnt stay on that hotel. I tried to fix my reservation but they wouldnt fix it. The hotel itself the hotel reservation is XXXX. Thats why it doesnt have the same system in XXXX XXXX which is better here because we can modify our reservation in advance I am very disappointed with Wells Fargo XXXX because they put me to the bottom of my finances. Im just finishing to pay off my card so that Im not gon na use that ever but the thing is they charge me the XXXX which is im not going to pay that. Its just ridiculous promising your clients.
Consumer complaint received 2022-11-27
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I've sent certified letters to Equifax, XXXX XXXX and XXXX ( original creditor ) notifying them that In accordance with 42 USC 290dd-2 ( b ) ( 1 ) ( C ) Im exercising my right to revoke my written consent signed on XX/XX/2017 for your practice to use and disclose my protected health information with any third-party. I have never made a payment to XXXX XXXX in which XXXX uses to collect debt. Ive made any and all payments directly to XXXX XXXX XXXX and will continue to do so until the debt is paid. XXXX XXXX should cease any attempt to collect debt, discard any of my protected health information that may be on file and cease all reporting to the credit reporting agencies immediately. Failure to do so is a violation and will result in me taking legal actions stated in 42 USC 1320d-5 ( c ) ( 1 ) for noncompliance due to willful neglect. As stated above, I will continue to make payments directly to XXXX XXXX XXXX until the balance is paid in full.
Consumer complaint received 2018-07-06
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: DISCOVER BANK (IL)

I was added to my dad 's XX/XX/XXXXoriginating XXXX credit card account as an authorized user in XX/XX/XXXX or XX/XX/XXXX. I was removed as an authorized user in XX/XX/XXXX. I am experiencing TWO problems with Discover : 1. Although I was authorized to use the card until XX/XX/XXXX,  Discover reversed once approved charges made from XX/XX/XXXX through XX/XX/XXXX. Discovered stated I was found to have used a card I was not authorized to use. 

2. Though Discover, in its act above, affirms I was not a card co-owner, and in fact - by their ruling, not even an authorized user, yet - Discover has twice refused to remove the tag line from my credit report. 

II am currently trying to get a mortgage and the debt reported, including payments my DAD is making are counting against my debt : income ratio.