davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-14
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX 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 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continue to report unverified information without providing any proof required by law. The following information is inaccurate & I never authorized my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC (NC)

Allied Interstate calls 5-12 calls each and every day. I have asked they not call my number every 5 minutes. They wont comply. This is harassment. Calling people every hour, sometimes not waiting an hour, does not make them want to work with you.
Consumer complaint received 2022-09-13
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. (NY)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-12-29
Product: Credit reporting 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. (GA)

The Fair Credit Reporting Act, as outlined in 15 U.S. Code 1681 et seq., explicitly safeguards the privacy and rights of consumers about the collection, dissemination, and use of their personal information by consumer reporting agencies. Section 604 of the FCRA ( 15 USC 1681b ) establishes that consumer reporting agencies may only furnish a consumer report under specific circumstances and with the written instructions of the consumer to whom it relates XXXX XXXX has shared my private information with a third-party agency, LVNV Funding Collection, without securing the necessary written consent from me. This act not only violates the FCRA but also infringes upon my right to control the dissemination of my personal information. 
Furthermore, according to 15 U.S. Code 1681s-2 ( A ) ( 1 ) A, it is explicitly stated that a person shall not furnish any information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. I am concerned that the disclosure of my information may not have met the accuracy standards required by law.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX and XXXX shared my personal information with multiple companies without my consent or giving me the opportunity to opt out. I also requested a cancellation of debt from the XXXX XXXX XXXX. I have sent the XXXX code, CFR and IRS documentation to update the debt payments on my credit report. They are abusing their power and sharing information without permission, taking advantage of their resources instead of properly using it's resources for resolutions. 

15 U.S. Code 1681 15 U.S. Code 6805 15 U.S. Code 6802 12 CFR 1016.10 Privacy Act- 5 U.S. Code 552
Consumer complaint received 2019-12-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IL)

Midland Credit Management calls me numerous times per day asking for someone named XXXX. I have explained multiple times that I am not XXXX and do not know anyone by that name who is close to me. I have had the same phone number for over 5 years. I asked them to remove me from their list, as I have no debts in collection. I tried to call them tonight after seeing they called me twice today. I spoke to a representative and as I tried to explain, the representative hung up on me. I am tired of being harassed over someone else 's debts!!
Consumer complaint received 2019-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-01-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (TX)

I feel I was a victim of illegal practices by XXXX XXXX XXXX during the time of XX/XX/XXXX to XX/XX/XXXX. As I understand it this case has since closed and I am upset because I am just getting the claim

paperwork. I want to know if there are any unclaimed monies that I might be eligible for since I feel was a victim of this illegal practice. I was in loss mitigation over a year and never got any assistance, meanwhile my mortgage continued to escalate and add up. I realize you need particular I formation regarding fees and fines & overages I may have been charged and will do my best to provide this documentation. I just want to know if I can still file a claim and if I was due a refund.
Consumer complaint received 2023-11-28
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. (FL)

I've submitted several online disputes asking Transunion to update my student loan accounts they are reporting them inaccurate and I've asked for proof of verification and they still will not give proof they are accurately verifying my information. Instead they sent me back reports saying they updated information unrelated to my dispute? and the information I've disputed was accurate but the report didnt reflect no changes are explain what unrelated information was updated. my last dispute they told me that they needed clarification and what accounts was I disputing?? how is that possible they dont know what accounts im disputing when it was stated. TransUnion is clearly violating FCRA. 
I also submitted to Transunion about them reporting a charge off account every month and updating the account to CO which is a violation. they sent me a statement saying the account was accurate.
Consumer complaint received 2022-04-15
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: EQUIFAX, INC. (CA)

XXXX was opened by fraudsters using my personal data on XX/XX/2021 in the amount of {$16000.00}. 

I have tried several times to resolve this matter with the credit bureaus and the creditor itself. They XXXX XXXX XXXX XXXX XXXX and tell me to either speak to another company or to take other steps that have bene already provided. 

I have sent government documents from the Federal Trade Commission. No effort was conducting in removing the fraudulent items.
Consumer complaint received 2019-01-27
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. (LA)

On XX/XX/XXXX, I discovered that XXXX XXXX had been re-inserted into my Experian credit file. They are required to notify me within ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Also I have recently disputed AGAIN on the other credit files XX/XX/XXXX, that the balance being reported is incorrect, instead of fixing the balance XXXX has reported 7 late payments and balance is the same as it was 1 year ago. We have gotten a deferment on the auto loan, paid the interest on the loan, and payment was never deferred. Ive been disputing with them for over a year now and they still have not corrected the problem, and they are not allowed to re-insert without notifying me.
Consumer complaint received 2021-09-26
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. (CA)

Equifax wrongly reported me for two debt collection accounts ( both reporting in XX/XX/2021 ). This greatly impacted my credit score. I have called Equifax and tried to resolve the issue as soon as possible. But they insisted that the report is accurate and had me call the debt collection agencies with whom I did not have any association. The debt collection agencies ( XXXX and XXXX ) did not have my information on their file. To date, the two debt collection accounts still exist on my credit report ( please find attached the images ).
Consumer complaint received 2023-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$3100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$11000.00} XX/XX/XXXX XXXX XXXX XXXX {$830.00} XX/XX/XXXX XXXX XXXX {$1300.00} XX/XX/XXXX NOT PROVIDED XXXX {$1900.00} XX/XX/XXXX NOT PROVIDED XXXX {$190.00} XX/XX/XXXX 15 U.S.C, 1681section 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 2023-06-13
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. (TX)

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) 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.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX  XXXX
Consumer complaint received 2019-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BB&T CORPORATION (GA)

Product ordered XX/XX/XXXX - received incorrect product XX/XX/XXXX. 

Paid XXXX - item received valued ( by same site that valued original item ) at XXXX ( attached image of received item ). 

Disputed but denied based on the attached evidence ( doc1 ). Half of the pages are blank or entirely black. Seller also never provided valid shipping information. Same seller now has the SAME item listed as for sale. Seller also sent message boasting ( and admitting ) about successfully scamming me ( also attached, inappropriate language by seller ).
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I filed for dispute to update address that is my correct address and it did not update or correct it. Also other accounts and collections that have other address which do not belong to me are on my credit report that I would like to be removed because it does not belong to me.
Consumer complaint received 2022-10-13
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. (NV)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # 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.
Consumer complaint received 2023-01-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/2022, I, XXXX XXXX, placed an " Offer '' through XXXX I did not make this Offer with the understanding that once an Offer was submitted, this transaction would become binding. Further, I did not authorize such Offer being charged on my account. These Terms are unconscionable and are not stated anywhere clearly and conspicuously on the Seller 's website. I immediately notified the Seller, where my account was then suspended and all information was locked. I put my Credit Card company on notice immediately after this exchange.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (FL)

Mailed letters on XX/XX/year> to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States XXXX has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2023-06-14
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. (UT)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please 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 and pursue legal action. 

XXXX 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 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 2023-06-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

Good afternoon. 

Opened a checking & savings account. 
Unfortunately did not receive the full bonus of {$600.00}. 
( Received only {$300.00} ). 
All requirements were met. 
Even called in to verify requirements and was assured.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I did not give consent to any entity to disperse any personal or financial information to any other institutions or orginizations. These were posted to my credit report illegaly and vilolation of the law. these need to be removed. 

Account name XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX  XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX. XXXX, XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX