davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-22
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)

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, 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 2023-09-03
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was denied credit ( a credit card ) by a bank. The bank cited " high debt '' on my Transunion credit report. This was very disturbing, as I have zero debt. 
I called TransUnion@XXXX. The automated service hung up on me several times and I was unable to speak to a live associate. 
I then logged into TransUnion.com. Their website does not make it possible to receive online a copy of my report due to a denial of credit. 
A Transunion associate " chatted '' with me, but refused to provide me immediate access to my credit report. -- They only agreed to snail-mail me my own report. 

The problem is as follows : the lender was granted immediate access to my report. its my data -- why am I ( or any consumer ) being told to " wait for snail-mail '' to receive our reports? -- After all, its OUR data. Further more, reports sent via snail-mail are less secure, and could be subject to being mis-delivered, exposing me to potential credit fraud if someone were to receive my physical credit report.
Consumer complaint received 2022-11-21
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: EQUIFAX, INC. (DE)

Recently, I did an investigation on my consumer report which has caused severe XXXX and XXXX  upon me. In accordance with the Fair Credit Reporting Act XXXX, EQUIFAX and XXXX has violated my rights. 
-15 USC 1681 ( a ) ( 4 ) : states that I have the right to privacy as a federally protected consumer.

-15 USC 1681b ( 2 ) : states a consumer reporting agency can not furnish an account without my written instruction or oral instruction -15 USC 1681 ( a ) ( 3 ) : it is an obligation that any consumer reporting agency exercise their grave responsibility with fairness, impartiality, and respect for the consumer 's right to privacy. 

The following accounts are errors : XXXX. XXXX XXXX XXXX Open Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Open Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Open Date : XXXX XXXX, XXXX XXXX. XXXX XXXX Open Date : XX/XX/XXXX XXXX. Account XXXX : XXXX
Consumer complaint received 2023-04-15
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. (OH)

It has been brought to my attention that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX,, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX  XXXX XXXX : {$0.00}, XXXX XXXXXXXX XXXX XXXX : {$980.00}XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$330.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$620.00}, XXXX XXXX Balance : {$110.00}, XXXX XXXX Balance : {$0.00}, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022
Consumer complaint received 2022-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC (OR)

Genisisfs card services is the name of company. 

XXXX - XX/XX/2022 for XXXX. 

I reported the charge and disputed it, they contacted this fake company and got sent an incomplete invoice of purchase showing my personal info and this invoice was missing shipping/tracking numbers, shipping carrier etc. and they supposedly shipped this product to my house. Usps has no record of the shipment or it being shipped and they were supposedly used to ship it. 

This company has shot my complaint back twice and still insists I purchased this product Ive never heard of or would ever use.
Consumer complaint received 2022-11-21
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. (DE)

Recently, I did an investigation on my consumer report which has caused severe XXXX and XXXX  upon me. In accordance with the Fair Credit Reporting Act XXXX, XXXX and TRANSUNION has violated my rights. 
-15 USC 1681 ( a ) ( 4 ) : states that I have the right to privacy as a federally protected consumer.

-15 USC 1681b ( 2 ) : states a consumer reporting agency can not furnish an account without my written instruction or oral instruction -15 USC 1681 ( a ) ( 3 ) : it is an obligation that any consumer reporting agency exercise their grave responsibility with fairness, impartiality, and respect for the consumer 's right to privacy. 

The following accounts are errors : XXXX. XXXX XXXX XXXX Open Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Open Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Open Date : XXXX XXXX, XXXX XXXX. XXXX XXXX Open Date : XX/XX/XXXX XXXX. Account XXXX : XXXX
Consumer complaint received 2022-11-22
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. (IL)

The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
Consumer complaint received 2017-10-30
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. (TX)

I opened this account with XXXX like 2 years ago. Sometimes this year i called the company and demand that it should be closed. They told me that i can keep the account open and that they will not charge me annual fee if i do n't use the card. Later on they called me and told me that i am owing money on the account. I explained to them what happened the last time i spoke with them, so they told me they will clear the debt and close the account. I think they called me 2 more times to ask that i pay the money, and on all occasions i explained to them that i have requested the account be closed. 

Later when i lost my job in XXXX, i applied for a load and they turned me down that my account is delinquent. I did n't understand what that meant, so over looked it. It was when another company closed my account with them and mentioned the same delinquency that i had to check my credit and saw that it was reported by XXXX as past due twice, one in XXXX and the other one in XXXX! Then i applied for a job and they would not proceed with me because i have a bad credit. XXXX sent me a mail 2 days ago that they had to reduce my credit line because i had a delinquent credit. 

I called XXXX XXXX and they told me the account was closed in XXXX XXXX! How can an account that was closed in XXXX, be past due by XXXX and XXXX? They told me that they reported it well and that i can file for a dispute and that was how i ended up here.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

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.

has violated my rights. Or a 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 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PENNYMAC LOAN SERVICES, LLC. (NY)

Dispute Timeline : XX/XX/2023 Explanation of Dispute : In XX/XX/2023, I was wrongly labeled as late on my credit report for a supposed missed payment. However, I have proof that I made the payment on time. I had made the payment with a bank account that I've used many times in the past with Pennymac. 

I received a confirmation that my loan was paid and I went on my merry way. Come to find out I was marked late and I had no idea why. 

I tried to resolve this by contacting their customer service on both XX/XX/XXXX and XX/XX/XXXX, but I didn't receive any help or solution. Unfortunately, I wasn't able to speak to a manager. 

In addition, when I did speak to them on a recorded line the customer service representative acknowledged that the payment was received and being processed. They admitted that there was an error on their end, but unfortunately, they couldn't fix it. 

Normally, I use my XXXX  XXXX XXXX account, but this time I used my XXXX XXXX account. Again, I've used this XXXX XXXX XXXX  account before without any issues. After I provided the payment information, the system did again confirm that the payment went through. I didn't receive any notifications about processing problems.. 

I kindly request that you correct this mistake. I take pride in paying my bills on time and would appreciate your prompt attention to resolve this matter.
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

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 2023-01-11
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. (FL)

The company temporarily allowed the report to be removed and then sometime in 2019 without noticing me re-investigated the matter and reapplied the report to my credit report my credit for the sink and the company refused to acknowledge my dispute. However, the other companies, XXXX  XXXX  and XXXX have both already removed b companies reports I tried to submit documents provide proof of this in the company doesnt get back to me or remove the information.
Consumer complaint received 2023-02-08
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: EQUIFAX, INC. (CA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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.
Consumer complaint received 2020-02-20
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 6
16, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5500.00} -This is not my account.
Consumer complaint received 2019-10-13
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. (GA)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

In XX/XX/XXXX I requested a verification of all the information on my Credit Report to determine if information across all three credit bureaus was 100 % correct and accurate. Each credit reporting agency responded back in writing stating all information was verified and validated. So 30 days later I ran my credit report, and the same information was still not 100 % accurate across all three credit reporting agencies. Fast forward, so now in XX/XX/XXXX I submitted a complaint through the CFPB to all credit reporting agencies, and again each responded stating information was verified and accurate which was false and still is false. Per the law, I am in my legal rights to seek civil damages since the time granted to resolve this issue has past. I am disputing the accuracy and validity of listed account : XXXX XXXX I have attached a Credit Report from XX/XX/XXXX and XX/XX/XXXX referencing the account above from all three credit report agencies, clearly account ( XXXX XXXX  ) is not 100 % accurate across all credit reporting agencies, it was not then and it isn't now. Help in resolving this issue will be greatly appreciated.
Consumer complaint received 2020-02-20
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. (AR)

I pulled my credit myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX {$18000.00} XXXX XXXX {$0.00} XXXXXXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX {$15000.00} XXXX AR XXXX {$320.00} XXXX XXXX   XXXX {$41.00} BANKRUPTCY CHAPTER XXXXXXXX XXXX {$0.00}
Consumer complaint received 2023-06-02
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. (WI)

we need to update all three credit files at XXXX and XXXX and Experian. first the consumer statement is wrong i need that to have the right phone number in which should be XXXX we need update the security / credit freeze and add an initial extended fraud alert. we also need to fix my credit inquires and accounts removing every thing that was fraudulent and not me.
Consumer complaint received 2022-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION (FL)

Navy Federal has already begun investigating this case, but I am still having a difficult time getting this settled. I need Navy Federal to ensure that it has flagged every payment made to XXXX XXXX, because, according to XXXX XXXX, it appears that there were additional charges in addition to the one flagged. Navy Federal has also had incredibly long call wait times, which has made settling this manner increasingly difficult to manage.
Consumer complaint received 2023-02-08
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. (KS)

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
Consumer complaint received 2023-02-23
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I have provided more proof regarding the situation of the late payments that are inaccurately reporting to my credit report. I had made attempts to make the payments and even got confirmation that these payments posted yet the companies have defamed my character including your credit reporting agency. In accordance with the Fair Credit Reporting Act, this creditor has violated may rights under 15 United States Code Law 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 ( a ) ( 2 ) it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a a payment on a credit card account under an open and consumer credit plan as late for any purpose. Furthermore the the evidence I have provided proves that my situation is unlikely to happen and incorrectly reporting. I demand these accounts below to be updated XXXX XXXX  ACCOUNT # XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX
Consumer complaint received 2020-02-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MN)

I previously asked for help from the CFPB. CFPB reached out to Shellpoint mortgage and closes the case. however, based the Shellpoint response, majority of the response was not correct and is inaccurate. I am having a new issue with this company trying to charge me for a force place insurance when i had acceptable insurance where they denied to make payment through my escrow account. I'm attaching my communication with shell point mortgage. Shellpoint is now trying to charge me {$35.00} per day for 7 days of force place insurance. I don't owe them any money and the documentation provided would prove that. please help.