davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-18
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: LEXISNEXIS (NV)

I am sending you my dispute for the hundredth time. CRA is obligated by the FCRA to report accurate accounting. I have advised you on several instances with verifiable proof and supporting documentation that you are reporting derogatory items on my consumer report that has since been removed from your companion CRAs because your reporting should match across all 3 platforms. You have 4 days according to LAW to remove such items. If you are not the assigned agent for this account, please forward to the appropriate agent assigned to Satisfy pursuant to the signed Security Exchange Ace of XXXX under 17 CFR 424 that you will not commit language fraud or do solicitations. and the rules outline in the Trust Indenture Act of XXXX. Also, please forward to me a complete copy of my Credit File. The instruction for this security includes securities fraud and violation of my right to privacy. Although securities fraud takes on many forms. In fact, unbeknownst to me, you are and have been making money from my information and likeness without my consent. Privacy violation pursuant to Privacy Act of XXXX ( 5 U.S. Code 552a ) ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; The instructions does not include wiping out my credit history completely as I am in need of my credit report and credit file. XXXX has engaged in unfair and deceptive practices pursuant to 16 CFR 433.2-3 Your agency Violated my rights to privacy. The laws you are violating is clearly stated here. The civil liability law under which I will sue is identified here. Moreover, this is false reporting bcs this item was not furnished to you by the courts, or do you list the actual furnisher which violates the FCRA 15 Ucs 1681 but rather you purchased this negative information for profit.

15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
You need my written consent to add anything to my consumer report and I did not give this authorization therefore you are in violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency )
Consumer complaint received 2024-03-19
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)

Statement Regarding Unauthorized Sharing of Transactional History To Whom It May Concern, I, XXXX XXXX, am issuing this statement to address the unauthorized sharing of my transactional history by XXXX XXXX . This egregious violation of my privacy rights has caused me significant concern and distress. I wish to highlight the numerous laws and regulations that have been violated as a result of this unauthorized sharing. 

First and foremost, XXXX XXXX XXXX actions are in direct contravention of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a, which defines the term " consumer report '' as any communication of information by a consumer reporting agency that bears on a consumer 's creditworthiness. By sharing my transactional history without my permission, XXXX XXXX is effectively creating a consumer report without adhering to the strict regulations outlined in the FCRA.

Furthermore, XXXX XXXX XXXX actions violate the Gramm-Leach-Bliley Act ( GLBA ), particularly 15 U.S. Code 6801, which emphasizes the importance of protecting the privacy and security of customers ' nonpublic personal information. By sharing my transactional history without my consent, XXXX XXXX is failing to uphold its obligation to safeguard my confidential financial information. 

Additionally, XXXX XXXX XXXX unauthorized sharing of my transactional history may constitute a violation of state privacy laws, including [ insert relevant state privacy laws if applicable ], which further reinforces the severity of this breach of privacy.

Moreover, XXXX XXXX XXXX actions demonstrate a lack of
compliance with its own privacy policies and disclosures, as required under the GLBA and other relevant regulations. Failure to obtain explicit consent before sharing sensitive financial information is a clear violation of these policies and disclosures.

In conclusion, I demand that XXXX XXXX  immediately cease and desist from sharing my transactional history without my explicit consent. Furthermore, I expect full compliance with all applicable laws and regulations governing consumer privacy and data protection. 

Sincerely, XXXX XXXX ---
Consumer complaint received 2023-03-01
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. (NJ)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items 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
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

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
Consumer complaint received 2023-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION (TN)

My late husband ( XXXX XXXX XXXX ) applied for a credit card and according to the company listed me as co-applicant. I did not give permission for this. I do not believe this is true as I did not see my name on the account until XXXX told me he added me as an authorized signer and then I could see it listed on my online account. He was issued a card which only he used and he paid for it from his own account. He passed away XX/XX/2022 and the NFCU informed me that I must have been on the original application and they had me listed as co-applicant. They have no proof this is true but since they say so then I have to pay the account. In Tennessee a spouse is solely responsible for credit accounts opened in their own name so I do not believe I should be responsible for this balance.
Consumer complaint received 2023-05-16
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. (OH)

On XXXX i called XXXX  to unfreeze mycredit agent send id, s.s, writtenon XXXX i when to postaloffice and paid XXXX XXXX XXXX  over night so that the documents be there ton XXXX i call XXXX agent the i wanted to unfreeze my credit i send my documents over night i when postal service send through XXXX  agent i wanted unfreeze my credit agent ok til when XXXX agent it's lifted i called a company is with apt to check it wasn't they call me back and it was still freezen to call XXXX  back try it again XXXX the regal office talk to XXXX told all that haven than XXXX this should've been off your credit but what did took off sold it to XXXX XXXX XXXX  XXXX XXXX back on your credit report XXXX call XXXX  ok thank you
Consumer complaint received 2023-01-10
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Today, XX/XX/2023, I deposited a cashier 's check on my Bank of America account that I received after selling my car. The information I received from the bank teller was the money would be available in my account tomorrow. The same information was available in the bank 's app. The buyer is out of state and already made arrangements to collect the car. However, I received an email from BofA, late at night informing me that a hold was placed and the money will only be available XX/XX/XXXX, XXXX, exactly ten days after the deposit. 

How my bank, which I trust my money, will place a hold of ten days on a cashier 's check? What I will tell the buyer tomorrow when he arrives from another state to collect the car?

Please help me.
Consumer complaint received 2023-03-01
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. (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 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 2023-05-04
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-05-04
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. (DC)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an allege identity theft, not later that 4 business days after the date of receipt. it has been 30 days and your are in violation of this law because i am a victim of identity theft!!!! please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer i am demanding the deletion to the accounts listed IMMEDIATELY!!!!
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 — Information belongs to someone else
Company: DISCOVER BANK (VA)

There has been unauthorized Inquiries on credit account I do not recognize. These accounts fall under the statute of limitations or are misreporting on my credit report. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )
Consumer complaint received 2023-09-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (GA)

I have been unable to reach Nelnet via phone to resolve this issue as their call wait exceeded 2 hours on my last attempt, and their online systems have had periodic outages. I have already raised a complaint with FSA, but the incorrect information presented to me by Nelnet has me terrified that I'll be paying a standard repayment amount via what looks like a bug in the automatic withdrawal system, and I'm taking every action to protect myself and my bank account. Despite being presented documentation that I should be paying {$0.00} on SAVE starting in XXXX, I continue to see a withdrawal scheduled for XXXX for over {$1500.00}. 

I am concerned that if I cancel automatic withdrawals, I will be unfairly penalized with a loss of the .25 % IR XXXX ( ACH ) benefit on my applicable loans. 

Additionally, the application process for SAVE was not a smooth process. Though this is an unprecedented period of payment restarts, that does not excuse the absolutely wild changes I noticed on my account at the end of XXXX : including being dropped from my IBR and placed into Standard Repayment with no explanations and watching the amount due on my account fluctuate wildly. Nor did they communicate with follow ups about my SAVE application status, despite the language presented on completion of my SAVE application.
Consumer complaint received 2023-05-23
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)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was a victim of identity theft, pursuant to 18 USC 1028A. Please delete these inquiries from XXXX, XXXX, And XXXX, or your agency is violating the Fair Credit Reporting Act block of information section which is 15 USC 1681 c-2, which states these inquiries must be deleted within 4 days of receipt of this identity theft report. 

Capital One, Cap One NA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TransferWise Ltd (NY)

My wise account has been deactivated by wise which has now put me in a situation where I am unable to withdraw the funds from my account I have filed an appeal in which I was given the estimated time frame of XXXX Working Days or longer for the review to be completed. 

A team member of wise in an official letter to me told me that it may take 5-20 days but it's more than the days she gave me already. 

I have asked Wise to refund the balance left on my account as it was needed to pay my Landlord for rent and because the funds have not been returned me I have been rendered homeless. 

To consider this matter solved, I would like Wise to uphold my complaint and Process my refund immediately, and give a formal apology for the distress caused due to this situation. 

I am not requesting wise to reactivate my account so there is no need for taking long to review. I am only asking Wise to give me back the money that was on my account prior to account deactivation. 

In Wise website it says, " if you still have money in your Wise Balances when we close your account, well work on sending it back to your bank account ''. 

I need wise to uphold this complaint and send what belongs to me to my bank account now. 

My email on wise is XXXX XXXX
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This is XXXX  I am trying to put a freeze on my credit report and have been trying to login to my Transunion account all day without success. I put in my user name and password and press enter. The next screen says they have sent a 6 digit authorization code to my email account but I never receive the code. I have tried several times and each time I get the same results ... no code! 

I tried calling them. The first time I did manage to get a person that I could barely understand. I think she told me that I should just keep trying. The next several calls I made to them resulted in my call being disconnected. 

I don't understand what is going on with Transunion but it really scares me to think these people could have a drastic effect my finances when they can't even provide a website that works and worse, they can't even manage a simple task like answering their phone!
Consumer complaint received 2023-05-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (MI)

Threatened with legal action to recover debt that is not that old. Would have been willing to settle debt however the company is trying to charge me more than I beleive is owed for the cards. Willing to settle this debt for more than half of what they claim is owed.
Consumer complaint received 2017-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TX)

I have previously disputed a judgement that is reflecting on my consumer report in reference to an eviction/judgement that has since been removed from all credit bureaus. This debt was settled with   XXXX   XXXX   XXXX   XXXX   XXXX  . These apartments have changed names and management a total of 3 times and no one has record of me ever living there let alone any records of any judgements being placed against me. I spoke with the court and they stated that I would need the apartment complex to file a release of judgement which is impossible at this point being that the apartments no longer exist. The new management company did however provide me with a letter stating that they do n't have any records prior to    2012  as they have been shredded due to the age of the account.
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX 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.
Consumer complaint received 2023-05-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TN)

Transworld Systems Inc ( TSI ), formerly Account XXXX XXXX, sent a letter alleging I owe a debt for an un-named service or product. The letter includes three separate supposed accounts. The collection letter states the creditor is the North Carolina XXXX XXXX. I'm left to guess that the alleged debt is for toll roads ; however, this is impossible as I haven't traveled to North Carolina in nearly 30 years! 

Further, the letter states that I must notify the company in writing within 30 days or they " will assume this debt is valid. '' I did not have an opportunity to meet this deadline as I received the letter ( without postmark ) more than 30 days from the included date. 

I have attempted to contact TSI by phone multiple times. Each time after a lengthy wait, there is a recorded message, then it automatically disconnects with no opportunity to leave a message. 

This company provides no way for me to report that this debt is not mine. As this appears to be a fishing scam, I will not take the risk of providing TSI with additional personal information in order to register online.