davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-07
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: NAVY FEDERAL CREDIT UNION (IL)

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

ACCOUNT NAME : XXXX. This company is in direct violation of the FCRA with the inaccurate information being furnished to the credit bureaus. This company does NOT have my consent to furnish these accounts to any third party or credit bureau. This account has many inaccuracies including ; original balances not matching, there is NO account number listed, the account type listed does not match on any of the credit bureaus. I want this account removed immediately!
Consumer complaint received 2023-06-06
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. (AL)

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

The letters are stated with items and issues. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-06
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: Experian Information Solutions Inc. (MA)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-21
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: Experian Information Solutions Inc. (MO)

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 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX 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. 15 U.S.C 1666B ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditorIf a creditor, within sixty days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under SECTION 1637 ( B ) ( 10 ) OF THIS TITLE a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under SECTION 1637 ( A ) ( 7 ) OF THIS TITLE ) from the obligor
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 2022-12-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX XXXX later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX XXXX gives a reason to immediately remove those items from my credit report, it has been over XXXX XXXX so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX XXXX and may have got into the hands of the wrong person.
Consumer complaint received 2022-12-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report, it has been over XXXX  days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-04-25
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)

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.XXXX XXXX XXXX XXXXXXXX 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 2023-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (PA)

I received a check from the US treasury. I deposited XX/XX/2023 into a new account at the bank and they have refused to release a hold on the check. Today is now XX/XX/2023. They have not been able to tell me why they won't release the funds. I've made several phone calls and sent email. I am only told it is being investigated.
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2020-01-13
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)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I'm trying to buy house, but i can not, because of my credit. 
i paid my accounts.
Consumer complaint received 2018-10-17
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (GA)

On XX/XX/XXXX they called me stating they were going to file a legal case against me. Stated they couldnt provide anything in writing unless it was a payment plan. But I told them that was odd cause by law I have the right to receive something in writing in regards to this case. They said no. They aldo called my ex husband and provided non pertinent information to him and provided a case number and everything. 
When I called the number an XXXX XXXX from XXXX XXXX XXXX misrepresenting herself and the company she worked for. She was the one trying to get me on a pmt plan however I told her that I wanted something in writing she stated she couldnt and giggled and said she wished me the best of luck with XXXX County. They dont even have my current address and didnt even ask me it. Lack of professionalism and misrepresentation of company. 
I called again to ask them for a company address then I spoke to an XXXX from the " proceedings legal department ''. He was rude. He raised his voice at me and said he was going to proceed legally if I didnt agree to a payment plan. Told him I wanted something in writing and he said they didnt provide anything that the only thing he was going to send was the legal paperwork. I told them I couldnt agree to anything if I didnt know who they were and he stated he wasnt allowed to provide me with any information. That he understood that I was upset because they called my ex husband but that wasnt his fault because they used a locator.
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I demand that this late payment item be deleted immediately. I entered the items and the outcome I desire below because you are in violation and this item is not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Validate/inaccurate reported late payments.
Consumer complaint received 2023-06-06
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: Experian Information Solutions Inc. (CA)

I double-checked my report and verify these accounts appeared and I have no idea where it came from. I demand the accounts listed below to be removed from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Attached below is a copy of Identity Theft
Consumer complaint received 2020-01-13
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Auto Pro Title Pawn, Inc. (GA)

I got a title loan from A1 action Cash XX/XX/XXXX for XXXX they advertised 0 percent interest for 30 days the manager told me it was a minimum charge of XXXX dollars if paid out in full with in 30 days. I was contacted before it was due telling me that the district manager was not willing to agree to the 0 percent interest and wanted to change it to the 25 percent before it was even due. I said that wasnt in the contract I had signed and was not willing to change anything. I went to pay it out and they tried to add a XXXX dollar late fee even though I wasnt late paid on the XX/XX/XXXX this place is corrupt and needs something done
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (OH)

I have had some issues with someone accessing my credit file and using my personal information and at this time I would like to request a credit freeze/ Block all access to my file and contact me directly at my phone XXXX or email me at XXXX. I need a PIN for all my credit reports asap.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MS)

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ), Account name : XXXX XXXX XXXXXX/XX/XXXX ) Account name : XXXX XXXX ( XX/XX/XXXX ), Account name : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ), Account name : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ), Account name : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ). 

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn'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 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2017-05-18
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SCA Collections, Inc. (VA)

I received a annual credit report and realized a debt collection was reporting on my creidt. So I sent the third party debt collectors a verification of debt letter, and they sent me a letter back with medical bill ( no signature, wrong address and medical information ) indicating that this was my debt. This is a HIPPA violation when false information pertaining to my social security and name is being shared to anyone other than myself and the supposedly hospital I owed this debt to. Also, once sold to a third party collection it is no longer my debt with no contract. I 'm pretty sure this hospital wrote this debt off after they sold it. I use to work in XXXX so I know these tactics and I refuse to be a victim of any scams done by these companies. I asked for the original documentation and received a unclear copy.
Consumer complaint received 2023-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I reached out to XXXX XXXX XXXX XXXX back on XX/XX/XXXX through the CFPB and I also sent them a letter to theyre XXXX XXXX XXXX XXXX XXXX XXXX XXXX address and emailed them to customer XXXX email because they have a collection item on my report that I have no knowledge of. An investigation was opened and they responded back on XX/XX/XXXX. I received a call on XX/XX/XXXX about my issue and stated that I wanted some kind of proof this was my debt such as a contract, with my name and signature or my picture ID or anything to prove it was in fact me. I was told to call the original debtor to get that info and that they have a bill with my name on it. I told them to send it to me and they said they cant and an investigation would then take place. I called back on XX/XX/XXXX and asked if anything happened with the investigation and I was told an investigation was never opened. I was then told they were going to open 1 that day on XX/XX/XXXX. I called back XX/XX/XXXX to see if any progress had been made and was told the investigation was still pending. I called back XX/XX/XXXX which was well over 30 days and still the investigation was pending. I asked for a manager and I spoke to a woman who refused to give me her name and hung up the phone on me after I explained to her that her 30 day investigation period was up and I need this item removed as it was hurting my score. I asked repeatedly for proof it was me and my debt and I have yet to this day XX/XX/XXXX received anything and XXXX XXXX  is still on my credit report reporting negatively. I called XX/XX/XXXX and asked again to have this removed and was told no and I got the phone hung up on me again. Each time I called Ive been spoke to rudely and have been treated unfairly and Im only trying to have an issue resolved.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

There are XXXX addresses on my trans union credit report that are not mine, and never were. There is XXXX XXXX negative reporting, that should be off, It's over 14 years. There is also things that were applied for and are not mine. My social security card was stolen.
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.