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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting Act XXXX  Account 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-01-08
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. (PA)

Credit reports shows names, addresses, phone numbers and accounts or public records that are not mine. 

I have uploaded a phone of my state real id and that should be the only address, name and info for me on my credit report
Consumer complaint received 2023-03-10
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. (MS)

I went to a XXXX dealership they told me they would run my credit for XXXX but ran my credit XXXX times i did not authorize them to do that XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-08
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: DISCOVER BANK (MI)

XX/XX/22 XXXX at XXXX. My wallet was stolen, including my credit card, debit card and ID prior to this purchase. I reported my credit card stolen and my ID and debit card stolen. When I noticed this charge it wouldve been impossible for me to have purchased these items when I was at work responding to the hospital at that time, also the laws the number that theyre providing as proof that I made this purchase is not below the number that I have not only that but Im positive that they have camera footage of the person using my card at check out or when being checked out by one of their associates. I have provided an example of what my loyalty number is versus the one that they did provide it in a statement.
Consumer complaint received 2023-01-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (NM)

Approximately XXXX years ago I had checked my credit report and noticed an open account by a debt collection agency which sounds very official, by the name of Commonwealth Financial Systems. They are attempting to collect an alleged debt by an original creditor by the name of XXXX XXXX XXXX XXXX. Upon initially speaking with them by phone first, the made statements to me such that if I don't pay this debt they will take anything I have of value to get their money. They claimed to be a legal authority and could even have the sheriff visit my work, and that I need to just grow up and pay my bills. She then hung up on me. I called them again and again inquired about this they are reporting, and stated that I need for them to send me ANY and ALL information they have regarding this alleged debt, because I have never received anything from XXXX  the original creditor nor have I ever received anything from you guys Commonwealth, thie debt collection agency verifying the validity of this alleged debt. So I would greatly appreciate it if someone could send me verification of the validity of the debt, especially since my father has the same name and lived in the state where this creditor is and our credit report has gotten mixed up before. To date I still have not received anything from either party. On top of neither party sending me anything to prove the validity of this alleged debt, I also disputed it through XXXX stating I have no recollection of having an account with Commonwealth Financial Systems or otherwise ever acquired a debt with XXXX XXXX XXXX XXXX, let alone XXXX of which that would incur over {$1000.00}. This is really impacting my credit negatively and not once has my consumer rights been taken seriously at any point. For example never providing me with proof of validity of this alleged debt, nor ever providing me AT ANY POINT with any documents from day one, even from XXXX so that I may have had a chance before this alleged debt even ever hit my credit to pay it or make payments. At this point I need assistance with this matter, from someone with knowledge, experience, and authority. Thank you so much for taking the time to review my complaint and assisting me with this matter. Have a good day.
Consumer complaint received 2024-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Last 4 SSN XXXX To : XXXX XXXX Credit Bureau XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX this letter to the XXXX Credit Bureau to reinvestigate these accounts on my credit report. I was a victim of Identity Theft. Someone stole my information and opened these accounts under my name. ACCOUNT NAME : XXXX XXXX XXXXXXXX OPENED XX/XX/XXXX A BALANCE OF {$7100.00}. XXXX XXXX XXXX  OPENED ON XX/XX/XXXX A BALANCE {$29000.00}. XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00}. 
THESE ACCOUNTS NEEDS TO BE REMOVE FROM MY CONSUMER REPORT. I never Authorized these companies to have access to my consumer report. I NEVER SIGNED OR RECEIVED ANY CONTRACT FROM THESE COMPANIES. I ALSO FILE A COMPLAINT WITH CFPB AND XXXX THESE ACCOUNT NEEDS TO BE REMOVE WITHIN 15 DAYS. 

ALSO YOU NEED TO BLOCK THEM FROM ACCESSING MY REPORT. 

I also filed a police report with the XXXX police department, I sent it to XXXX last month. And my tracking number is showing that it was delivered and someone signed for it. I will look forward to this information being updated in the next 10 to 15 DAYS or I will have toTake legal actions against the XXXX Credit Bureau in the court of law. 

I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX and XXXX XXXXXXXX XXXX  really did not reinvestigation they lied on an official document saying they did something they did not do and I have evidence to prove my case
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX Kept disregarding my disputes, by telling me they want me to send them a proof of id verification, last check stub, and cell phone bill. I sent them a certified letter, and they never responded. Attached is copy of driver license, copy of phone bill, copy of last check stub. The matter is a bankruptcy, I contact the bankruptcy courts in XXXX and they responded with a letter that I will attach below. They dont provide court records to credit bureaus. 

>I have previously disputed this item with you > XXXX XXXX XXXX MICHIGAN. Reference # XXXX < and in response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 16811 ) and the information must be deleted immediately.<
Consumer complaint received 2023-01-08
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

Missing FDIC personal checking account funds from XXXX XXXX ( from multiple bank of america accounts since XXXX ) and mine ( from separate bank of america account ) that are FDIC insured to pay the failed bank countrywidde, bankof america and XXXX for the real estate contract that pays off the mortgage on our personal residence of 14 years at XXXX XXXX XXXX XXXX XXXX NM XXXX Those funds are misplaced, embezzled or misapplied to someone else 's account or incorrectly. 

The loan was not an interest only we were told neither a reverse mortgage or had any other loan than the original countrywide loan. we were told is the same loan that got transferred to bank of america and sold or pennies to the dollar to nationstar, as servicers. 
We paid ( see attachments ) but those FDIC insured checking account funds from our personal checking accounts at bank of america are missing between the fiduciary and bank of america and nationstar. 

We request to collect on them under the FDIC insurance because the payents were for house payments and not to be stolen. There is a papertrail i am sure you can investigate. 

Where it is or can you please see the FDIC claim we did on the money, that was in bank of america for bank of america mortgage through the fiduciary XXXX trust. 
We bought a home in XXXX XXXX for the amount listed in the HUD and the XXXX XXXX XXXX XXXX purchase contract. where XXXX XXXX used their vendor XXXX XXXX to collect on a seller financing wrap dollar per dollar contract per mls financing advertising of the XXXX XXXX XXXX XXXX XXXX The mls listing was cancelled because we were told " the buyers did not qualify '' and later on, the appraisal came after closing about XXXX less than the sales price/mortgage value wrapped of XXXX We already bought so it was a done deal. The roof or part of it fell and leaked we did not get the invoice of the " wholesale roofing ' company and did not exist. The pool had problems with water connection and we looked and no survey was done. 
We started paying and the payment went up and one month in XXXX went up by XXXX XXXX We never got a note or amortization table and the hud statement did not show but the sales price that we were told was the mortgage balance. 
We made the monthly payments and we were told in XXXX that if we want to keep the house we need to deposit extra cash. We did we want to keep our home. The payments are attached here. In XXXX my mother got interest and title from the XXXX 's and myself. WE found out that the property was in foreclosure in XXXX by chance as I was looking for a case in relation to my XXXX son ( guardianship ). We were never served with the original note and to this date we do not have a copy or full history how the loan numbers kept on changing and there were always behind. I put downpayment too and two extra payments as you can see from the hud statement We never got XXXX those were going to the escrow company and those funds got lost too.
Consumer complaint received 2021-01-11
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

A cease and desist letter was sent to Portfolio Recovery Associates in XX/XX/XXXX. The letter was received via certified on XX/XX/XXXX. I asked them to stop calling using any and all numbers listed in their system on the alleged debts. 
Since the date of the letter, they have called my cellphone at least 18 times. Since the date of the letter. They have called my parents on a landline multiple times with recent contact XX/XX/XXXX. They have called after XXXX on XX/XX/XXXX disrupting my sleep.
Consumer complaint received 2017-05-11
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (IN)

For the past month, I have been getting incessant robo calls, emails and now calls to my work. I am a cosigner on a loan and on  XXXX   XXXX ,    2017,   XXXX   XXXX ,    2017, ( s econd time on  XXXX   XXXX ,  2017 )  and  XXXX   XXXX ,    2017, I  emailed  Navient and  asked them to stop robo-calling. Today I was harassed at my place of employment. When I expressed that they are NOT to call me at work, she advised me that " the calls WILL continue. '' This is harassment and I want it to stop.
Consumer complaint received 2023-05-13
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: ACIMA CREDIT, LLC (NV)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered an unauthorized item. Despite sending them letters over 30 days ago, they have not responded adequately or provided sufficient validation. I kindly request your assistance in addressing this matter. I am prepared to pursue legal action to resolve this issue.
Consumer complaint received 2024-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-02-15
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. (TX)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXX XXXX XXXX : {$28000.00} XXXX  XXXX XXXX Balance : {$680.00} XXXX XXXX  XXXX Balance : {$790.00} XXXX XXXX XXXX XXXX : {$28000.00} XXXX XXXX  XXXX Balance : {$1500.00} XXXX XXXX  XXXX Balance : {$6700.00} XXXX XXXX  XXXX Balance : {$28000.00} XXXX  XXXX XXXX Balance : {$680.00} XXXX XXXX  XXXX Balance : {$790.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$1100.00} XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

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 2023-02-07
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. (NV)

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 fixed as soon as possible. 
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 XX/XX/2021
Consumer complaint received 2023-01-08
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 # ) XXXX ( ACCOUNT NAME ) XXXX ( ACCOUNT # ) XXXX ( ACCOUNT NAME ) XXXX XXXX ( ACCOUNT # ) XXXX ( ACCOUNT NAME ) XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( ACCOUNT NAME ) XXXX XXXX  ( ACCOUNT # ) XXXX ( ACCOUNT NAME ) XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX  ) ( ACCOUNT # ) XXXX  Has violated my rights. 
15 USC 1681 Section 602 ( A ) 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 a account without my written instructions 15 USC 1681 ( c ) ( 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 USC 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 2022-11-23
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. (FL)

I have repeatedly requested that EQUIFAX provide me personal credit report. They have refused to provide this or release my credit information to me. I have included a copy of the letter that I sent to the credit bureau requesting my credit report as supporting documentation along with my copies of my personal identification.
Consumer complaint received 2023-01-08
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: HYUNDAI CAPITAL AMERICA (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus ( XXXX, XXXX and XXXX ) have not responded back to me about my investigation. I sent a letter stating Kia Finance XXXX is reporting a 30 days late on XX/XX/2020 which is inaccurate and it should be showing 'Current ', it's more than 60 days. I need this account updated to reflect the accurate information. They are defaming my character because I can not get approved for a home or car loan. Now I am homeless. This is devastating for me and my family.
Consumer complaint received 2023-01-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (OH)

Fraudulent purchases were made on my Home Depot credit card account. Citibank , N.A . is the issuer of this card. I provided my signature to them to prove that the signatures that appear on the store sales drafts do not match the signatures of the authorized users of the card. Citibank is maintaining that I am still responsible for the payment. They have reported adverse information on my credit report and suspended my credit privledges.