davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-19
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: Experian Information Solutions Inc. (FL)

I have contacted XXXX a number of times. My file was frozen and I contacted them the day before I was to go for a loan. The bank was unable to pull my loan. I called XXXX 3 times that day to let them know my credit has been still frozen. I then called 2 weeks later and I was still unable to pull my credit. I have been unable to get a fresh credit report since XX/XX/2021! I get the 2 bureau report from Experian and I cannnot pull it from XXXX annual credit report. XXXX swears its fixed but it hasn't been. This goes against my civil rights.
Consumer complaint received 2022-04-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc. (AL)

Binance XXXX XXXX exchange changed their privacy policy ( required to agree to sharing of biometric data with 3rd party affiliates ) and will not allow me to access my account unless I agree. I was not provided prior notice or warning of the change or allowed the opportunity to withdraw my funds if I do not agree to this change. Below is the prompt requiring consent in order to access my funds. 


" BAM Trading - Biometric In-Product Consent for End-Users Changes to our Terms of Use take effect on XX/XX/2022 By agreeing below, you allow BAM Trading Services, Inc. and its related companies and affiliates ( BAM, we, or us ) to collect , via a third-party service provider that provides the biometric technology, a photograph and/or short video of your face and a copy of your government-issued identification card ( ID card ) to create a scan of your facial geometry ( Biometric Data ). 
We use this Biometric Data to verify your identity for security purposes, by comparing the image you provide with your image in your ID card. This allows us to make sure that you are the same person as shown on your ID card and that your ID card is legitimate. We may share Biometric Data with third-party service providers who assist with our IT, security, and fraud programs, our professional advisors, in a business transfer such as a merger or acquisition, and as required by law or regulation. 
For more information on how we use, share, and retain Biometric Data, please review our Privacy Policy.

If you do not agree, you will not be able to use the BAM app and platform.

I agree to allow BAM to collect and share my Biometric Data for the purposes described above. I acknowledge that my agreement to this form constitutes my written consent to the collection and sharing of Biometric Data as described in this form. ''
Consumer complaint received 2017-04-14
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION (AZ)

Lender, Financial Freedom, loan XXXX, took the liberty of depositing a check XX/XX/2016 into their account payable to Financial Freedom and Estate of XXXX XXXX, without my signature of her court appointed personal representative in the amount of {$2500.00}
Consumer complaint received 2019-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

I have disputed Us Dept of Ed/XXXX XXXX and collection services on all 3 credit bureaus for inaccurate reporting of information not only on high credit limit and inaccurate account history, which all comes back " verified ''. Method of verification letters were mailed and received by not only Equifax but XXXX as well, receipts are provided. Yet all that this did was create disputes which were not what was requested and information that they have was not sent to me about how they verified this information. I have one specific account reporting an inaccurate account high credit limit from XX/XX/XXXX. On Equifax account history is inaccurate showing a past due balance of {$1.00} on all 4 accounts. On XXXX  the same account dated XX/XX/XXXX is reporting an incorrect high balance. On XXXX the same account is once again reporting an incorrect high balance and all 4 accounts are showing as failed to pay in XX/XX/XXXX in the account history but these were paid and closed in XX/XX/XXXX via consolidation. Each credit bureau also has different date of first delienquency information from the original creditor XXXX XXXX which has since been deleted for inaccuracies, these accounts should be deleted as well. I am not sure how they are verifying inaccurate information that is proven based on FAFSA and NSLDS database concerning student loans. Each loan was paid XX/XX/XXXX with a {$0.00} outstanding balance and interest. NSLDS also shows the accurate amount borrowed and proves the inaccuracy of the high credit limit on the one account that I have tried to have corrected. Since these inaccuracies have failed to be accurately verfied based on information I have sent and proven. These should be removed as they are in violation of inaccurate credit reporting and inaccuracies disputed should be updated to accurate account information or deleted if information can't be verified as accurate, which it is not across all 3 credit bureaus. This information has failed to update the first time and I entitled to fair credit reporting and accurate information, if that information isn't accurate and/or updated then it should be deleted. For each bureau dispute numbers are the following : Equifax : XXXX XXXX   : file number XXXX report date XX/XX/XXXX XXXX : XXXX Attached files are the following : 1 ) NSLDS about account in question with inaccurate high credit also shows that account was paid in XXXX and XXXX reporting is inaccurate 2 ) Receipts to Equifax and XXXX 3 ) FAFSA information with original credit limit. 
Report numbers with disputes in question 4 ) Original copies of method of verification letters mailed
Consumer complaint received 2023-06-26
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. (NJ)

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.

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 2022-04-19
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. (NC)

In the accordance with the fair credit reporting act XXXX  account # XXXX, has violated rights. 
15 U.s.c 1681 section 602a 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. XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX
Consumer complaint received 2022-04-19
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. (NY)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-04-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (TX)

I have reached out to Phoenix Financial Services LLC XXXX XXXX XXXX, XXXX requesting information in which I have yet to receive a proper response as they failed to provide me the specific information requested in my initial cease and desist/debt validation. Phoenix Financial Services LLC XXXX XXXX XXXX, XXXX is in violation of my rights as a federally protected consumer.
Consumer complaint received 2022-04-19
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. (CA)

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 Account XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX  Account # XXXX, XXXX XXXX Account # XXXX , Has all 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-19
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. (CA)

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  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX  XXXX  Account # XXXX, XXXX XXXX Account # XXXX , Has all 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-04-20
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: Southwest Credit Systems, L.P. (MI)

On Thursday XX/XX/2021 I setup a payment to pay in full two XXXX collections that were with Southwest Credit. 

Reference No 's are as follows : {$250.00} XXXX {$1800.00} XXXX Both accounts are paid in full and closed, but XXXX has yet to update the credit report. I feel as if I have been scammed and this company is not apart of XXXX.
Consumer complaint received 2022-04-19
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. (NJ)

The month of XXXX my credit score was XXXX with Experian, was very happy never been that high before. Then XX/XX/XXXX Experian took my score down XXXX points ( XXXX ) stating that the received information from XXXX XXXX XXXX that I was terminated from the Account. 

I reached out to XXXX XXXX XXXX and they advised that my account has never been closed and to date I have never missed a payment since XXXX. I am an authorized users on this card with my husband and they advised they never provided that information. 

I then reached out to Experian again about the incorrect information the is stopping me from getting house because of this. Experian requested that I email my accounting showing that it was closed which I did, as they said on their report it showing it open but in reality that is not correct. I have excellent on all my credit cards have never missed any payment in over 6 years or more.
Consumer complaint received 2022-04-19
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: FAIR COLLECTIONS & OUTSOURCING, INC. (MI)

XX/XX/XXXX, my purse with all of my belongings ( including wallet with ssc, ID, credit cards, keys ) were stolen. Information such as inquiries and collection accounts on my credit report regarding business loans, and evictions are false in result of identity theft. I attempted to contact the credit card companies and reach out to collection company since XXXX, and stated to them that I am a victim of identity theft. They only told me to place fraud alerts on all accounts, however they proceeded to report false information on my credit report and continued to refuse my complaints. I also filed police reports.
Consumer complaint received 2024-03-12
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. (TN)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-20
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. (MI)

On Thursday XX/XX/2021 I setup a payment to pay in full two XXXX collections that were with XXXX XXXX. 

Reference No 's are as follows : {$250.00} XXXX {$1800.00} XXXX Both accounts are paid in full and closed, but XXXX has yet to update the credit report. I feel as if I have been scammed and this company is not apart of XXXX.
Consumer complaint received 2024-03-12
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. (CA)

On XX/XX/2024, I leased a car at XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX. During the lease application process, I was notified that two credit inquiries appeared on my TransUnion credit report. The first inquiry originated from the dealership, identified as " XXXX XXXX XXXXXXXX '' The second inquiry, however, was from an unexpected source : " XXXX XXXX XXXX. '' I was surprised that both the dealership and the financial services company accessed my credit report and did a hard check. 

Two days after finalizing the lease agreement on XX/XX/2024, I received another notification regarding a credit inquiry on my TransUnion report. This third inquiry also originated from " XXXX XXXX XXXX. '' I understand that credit inquiries are typically performed periodically when applying for new lines of credit, such as credit cards. However, in this instance, " XXXX XXXX XXXX '' conducted a second hard inquiry within just three days of the initial inquiry, which seems unnecessary.
Consumer complaint received 2024-03-12
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. (TN)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Berlin-Wheeler, Inc. (Kansas) (VA)

I recently moved from XXXX, VA to XXXX, VA. I cancelled my XXXX cable service on the date before I moved in late XXXX of 2021 because they do not offer services in XXXX. I delivered their equipment to them in person in XXXX. 

While I was waiting for a final bill from XXXX, I continued to make monthly payments with every intention of paying off the balance. 

XXXX apparently referred my bill to Berlin-Wheeler who very quickly reported my account as delinquent to XXXX. I learned of that today. 

I have disputed this delinquency with XXXX  and expect they will correct it as not being delinquent since I have been making monthly payments toward the total. 

I have also made a payment through my bank 's " bill pay '' feature for the remainder. 

I want to report both XXXX and Berlin-Wheeler for their actions. While I am fairly knowledgable about my protections under the law, I fear that many consumers will be hurt by these tactics. Neither XXXX or Berlin-Wheeler made any effort that I'm aware of to reach me. 

I do not have any record of Berlin-Wheeler attempting to work with me on this and, based on my initial research, they appear to be a predatory debt collection company. 

I want to give some credit to the XXXX XXXX app I use on my XXXX for alerting me to this inaccurate information on my credit report. 

Thank you for your help with this.
Consumer complaint received 2023-10-19
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. (CO)

I submitted identity theft reports to all 3 credit reporting agencies on XX/XX/2023 with 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 per the law.

When I spoke with the credit reporting agency representatives today I was told that the items are in dispute and the companies have 30 days to reply. I was also told by XXXX that due to some internal issue with my file that the process had not started yet. The law makes no consensus for this. In fact, I have requested the update of my personal information before with no avail.
Consumer complaint received 2022-04-19
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. (MS)

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 XXXXXXXX ACCOUNT # XXXX, has violated my rights. 
XXXX XXXX  ACCOUNT # XXXX has violated my rights. 
XXXX, XXXX ACCOUNT # XXXX has violated my rights. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX has violated my rights. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX has violated my rights. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX has violated my rights. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX has violated my rights. 
XXXX XXXX Inquired on XX/XX/XXXX has violated my rights. 
ID # XXXX has violated my rights. 
ID # XXXX has violated my rights. 
ID # XXXX has violated my rights. 
ID # 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 I DID NOT GIVE WRITTEN INSTRUCTION 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 2021-04-20
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. (MI)

On Thursday XX/XX/2021 I setup a payment to pay in full two XXXX collections that were with XXXX XXXX. 

Reference No 's are as follows : {$250.00} XXXX {$1800.00} XXXX Both accounts are paid in full and closed, but XXXX has yet to update the credit report. I feel as if I have been scammed and this company is not apart of XXXX.