davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-28
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. (FL)

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 name : # XXXX, Account name : # XXXX, Account name : # 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 2018-03-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My savings account was cleaned out by Bank of America on XX/XX/XXXX. I called bank but they only gave me a telephone number of the prosecuting assistant attorney in XXXX. 
A suit is filed in California., my account is in XXXX XXXX. There is another person on my account who has a debit card but he is the wrong person being sued. All money was mine, they took over 6000 Dollars and said I owe over 49,000 dollars. 
After I received a copy of the Acknowledgement of Service to the persons with same name. Man 's name is the same then the person on my account and married to a XXXX with the same last name ( but its not mine last name ) and have been served notice in XXXX XXXX. 
I neither nor my friend on my bank account are married and don't owe any money. Suit was filed as criminal suit. 
Why did bank not check my birthdate, SS, and that of Mr. ... ... By the way, XXXX XXXX lives in XXXX since birth and at the time of service I was in XXXX. 
No one at the bank will talk to me how they can do this without checking if we are the persons. I never get thru to the person who signed the order, XXXX XXXX in Delaware, BoA. 
We spoke to assistant attorney at XXXX XXXX of California, Mr. XXXX XXXX. That was 2 weeks ago. We answered questions he needed to clear our names. 
He said he would contact BoA and see why they sued us since we have nothing to do with it. 
I was told I need an attorney in California but everyone I contact did not want to take the case and clear our names and file the proper papers. 
I am on SS and afraid they will take money out of my checking acccount which they did for attorney fees and I think my heart will not take this absurd pressure anymore. I am XXXX and by the way my credit score is over 800. 

Please help us. 
Thank you
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (OH)

My credit report is still showing late payments on ACCOUNT/S. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative. 
XXXX XXXX XXXX Owed {$0.00} XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2022-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns or has reasonable cause to believe that the information is inaccurate. 

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

The did not do this. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because under 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide an account without my written instructions I did not give anybody written instructions.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated 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 2022-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On XX/XX/2022 I pulled my credit report and notice a nuremouse amount of blaten inaccuracy being reported on this account. 
XXXX XXXX XXXX # XXXX. I have contacted Transunion to get the inaccurate information remove. They said they verified it as being 100 % accurate. How can this be possible, if the account is showing 3 diffrent last active dates Transunion has XXXX, XXXX shows XXXX and XXXX is showing XXXX as last payment. 
According the the FCRA, all information in a Consumers file must be reporting accurate or it must be deleted immediately. I have inclosed proof of the inaccuracy and it is still being reported on my consumer account as verified and accurate information, which is a definite Violation.
Consumer complaint received 2020-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX I filed a dispute with Experian in an attempt to have a negative remark removed from my report. The negative remark is legitimate, but I was hoping the creditor would remove it early. This account was a charge-off as of XX/XX/XXXX. 

The result of the Experian dispute was that the account and remarks were legitimate ( they are XXXX, however, the date of the charge-off was not only updated to balance due as of XX/XX/XXXX, but it is listed as an entirely new remark on my credit report. 

Experian says their results are accurate, but there is clearly a mistake, as I can not have two identical accounts on my report with different charge-off dates, nor can I suddenly have a late payment on an account that was already charged off. 

Experian needs to remove the new data as of XX/XX/XXXX on this account from my report, as it is not accurate. I am no longer responsible for this balance due to the creditor, and I did not have a late payment in XX/XX/XXXX.
Consumer complaint received 2023-10-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NC)

I have received calls from this number for another person. I called back and got a prompt to pay. I have no outstanding debt. I am not this person they are calling. I want this stopped., The number is XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (CO)

Home was damaged by XXXX XXXX. An wind insurance claim check was received by the homeowners from XXXX XXXX in the amount of {$75000.00} payable to the homeowners ( XXXX and XXXX XXXX ), Truist Bank ( mortgagee ) and the homeowners public insurance XXXX. The check was sent to Truist Bank, Loss Draft Department XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX for endorsement by Truist and return to homeowners. 

The check was received by Truist XX/XX/XXXX. On XX/XX/XXXX I received a letter from Truist dated XX/XX/XXXX saying that they were going to hold the money and only release a portion of it once homeowners provide the insurance adjusters report and a signed XXXX XXXX. Additional funds from the insurance check will only be released following inspection of the repairs by Truist. 

I immediately called Truist to request the funds be released, they refused. 

The funds are needed immediately for hurricane repairs. The amount outstanding on the mortgage is {$64000.00} approximately {$11000.00} less than the funds they are refusing to release. Additionally the value of the land alone is at least 4 times the amount left on the mortgage. Truist has absolutely no need to withhold the funds, the money owed on the mortgage is more than secured by the land value alone.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX : They replied to my complaint, but they failed to comment on my co-signer 's XXXX XXXX bankruptcy that last until XX/XX/2023. All other loans have not marked my accounts derogatory because of my co-signer 's XXXX XXXX. XXXX has also refused to talk to me over the period of several years. I'd like some kind of record of my calls, and refusal to allow me to speak to anyone about this. 

All other private companies have suspended payments until XX/XX/2023. They are not mentioning this and they have refused to speak with me over YEARS. 

I want their charge off removed from my account- they are criminal anyway, hence so many people getting their debt forgiven. 

I want a record of my calls, and I want them to address the XXXX XXXXXXXX of my co-signer, and explanation over why " they weren't allowed to speak to me '' over YEARS, and now this mark on my credit score. they are predators.
Consumer complaint received 2023-12-27
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2024-03-19
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: EQUIFAX, INC. (FL)

Around XXXX my mother made me purchase my sister a bed through XXXX at the time I was not working so I was told it could put it on a different payment plan for someone who wasnt working at the time! They basically told me I didnt qualify for that which I should have being my age and I wasnt working!
Consumer complaint received 2023-01-05
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. (MN)

XXXX DOES NOT INVESTIGATE DISPUTES* I have contacted an attorney regarding the common practices that are occuring with this company. They do not investigate. They do not send updated credit reports. Been waiting over 2 months for an updated reports. ALL THEY DO IS XXXX XXXX XXXX XXXX 
XXXX. Putting a collection on my credit report that is not my account. 
XXXX. Putting the same account that is in collection as a regular account XXXX others items on my credit report. A TOTAL OF 3 times thaXXXX XXXX XXXXs on my credit report and they refuse to remove any of themXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX. Have never provided XXXX of validation or written signature for any of the accounts listed below. 
XXXX. They have been reporting accounts every month as if they are active when they are not changing dates every time I dispute XXXX. They have blocked me from disputing online because I complained on here. 

I am writing this and have all documentation from every dispute on here and on their website and their lack of work ethic of resolving these issues. SEE YOU IN COURT. 
My lawyer has already stated they will be paying me compensation for all their lies and stall tactics. I have sent them several police reports for fraud and they have not properly investigated anything. 

Accounts I am suing them over : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

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 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2022-12-25
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. (LA)

I have disputed the following accounts repeatedly and companies continue to verify the wrong information for n them. They now refuse to let me dispute them anymore. In my opinion they are not even investigating the issue because the results either stay the same or reaged because they change the 1st derogatory mark to a year or more later date. The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also XXXX XXXX XXXX XXXX date of first delinquency is wrong also, and XXXX XXXX XXXX was not included in XXXX XXXX If these companies are the ones re aging these accounts I will also file a report on them, but I believe experience is not even investigating the issues.
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I wrote letters to XXXX and TransUnion requesting the payment history for this account to prove that it should be charged-off. I have not received any validating documents proving the attached account is correctly classified as a charge-off. Failing to verify within 30 days when requested is a violation of the FCRA.
Consumer complaint received 2023-03-03
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: Resurgent Capital Services L.P. (NJ)

I Iam a natural person, Iam a living human being, I have rights under 15 USC 1681. 
I do not recall having accounts with these business please verify -original contract with my signature -creditor information -payment history -proof of ownership Due to this inaccurate accounts my life as been impossible with trying to get a home and vehicle and need to be treated fairly and remove the information that should have never been on my report in the first place XXXX is govern by 15 USC 1681. They have violated my personal rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and never have I given XXXX written permission to furnish these accounts 15 U.S.C 1692C : without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX is govern by 15 USC 1681. They have violated my personal rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and never have I given XXXX written permission to furnish these accounts 15 U.S.C 1692C : without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Accounts : 1XXXX XXXX XXXX XXXX XXXX & XXXX 3.XXXX XXXX XXXX 4.XXXX XXXX 5.XXXX XXXX 6XXXX XXXXXXXX XXXX XXXX XXXX- Account XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX- XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXe XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX- Account XXXX XXXX XXXX XXXX XXXX- XXXX XXXXXXXX XXXX XXXX- XXXX
Consumer complaint received 2020-03-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MD)

On XX/XX/20, I completed a transaction on the XXXX XXXX. This transaction was completed on there platform, where I was invoiced by seller, paid via their platform via PayPal. The item was not shipped out and the seller has refused to cooperate. I have contacted both PayPal and XXXX, neither are able to assist, claiming the payment type ( P2P ) is not covered under protection. There is an issue with this, the platform only has one way to pay, which is set up via XXXX and PayPal, so why is their integration constructed in a way which will not protect transactions for the consumer? I was invoiced, paid, and expected to recieve goods via the platform. Where is my protection by either PayPal or XXXX in this? I have also contacted XXXX to file a dispute, as I am currently out of {$520.00}.
Consumer complaint received 2023-05-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX of 2023 I began an investigation to request validation of debts that were being reported on my credit. These letters were sent by certified mail, but I still have yet to receive any correspondence and my financial situation and credit continues to suffer. 

The amounts, dates opened and closed, are inaccurate and or I have never made any agreement with the listed companies or given permission to report the info on my credit. 

I would like these accounts to be deleted per violation of FCRA because I don't feel like my rights as a consumer are being respected or observed.
Consumer complaint received 2020-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

XXXX XXXX XXXX XXXX intentionally and fraudulently reported 2 payments to Experian 30 days late and caused my credit score to drop 48 points. They reported my XX/XX/XXXX payment 30 days late and my XX/XX/XXXX payment 30 days late, neither payments were 30 days late. The XX/XX/XXXX payment was made 29 days late, the payment was made on XX/XX/XXXX. My payments are due on the XXXX of every month with the last day to pay before they shut off the car being the XXXX. The XX/XX/XXXX payment was made on the XXXX of XXXX which was XXXX days late and they still reported the payment 30 days late.
Consumer complaint received 2023-01-05
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 & 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.