davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-05
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. These are the names that appear on my credit reports 15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 section 2 : It also states a consumer reporting agency can not fumish an account without my written introductions
Consumer complaint received 2022-06-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CB1, Inc. (ND)

A collection agency reporting on my credit report CBB Collections is reporting two accounts. I have no knowledge of these accounts, they have not contacted me, by phone, mail or any other means. I called them to find out why it was there and what exactly it was approximately 30 days ago. This company was unable to verify my information fully, also was unclear what this was it took them sometime to figure it out. I attempted to resolve the accounts while on the phone call and because they could not verify some basic information I could not see spending almost {$2000.00} on something that could possibly not be mine. I requested the information they had and still havent received anything from them, I also have disputed this information and it still remains on my credit report.
Consumer complaint received 2022-06-05
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: EQUIFAX, INC. (NC)

On XX/XX/2022 The Credit bureaus stated Account Name & 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 they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report. 

I have sent in several certified letters and have all tracking number available
Consumer complaint received 2022-06-05
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: Experian Information Solutions Inc. (FL)

This is my third request Credit bureaus stated that on my credit report that they did a proper investigation but how is that possible if the date opened is inaccurate, the date last active is inaccurate, date last reported is not accurate, also date of last payment, and no. of months inaccurate. This grounds for removal. 

These Accounts include : XXXX Account # XXXX They also violated my rights under : 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report.
Consumer complaint received 2022-06-05
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (VA)

XX/XX/XXXX and XX/XX/XXXX XXXX  deposited funds into account. On XX/XX/XXXX when calling number listed on back of card. Automatic recording stated a card was mailed out on XX/XX/XXXX and would receive within 2 days. I never ordered a new card my old card has NOT expired. And I'm kicked out of my direct express account. It now states my SSN is invalid. Have Been using this card for 6 years now without issues until. Now I have called and called nothing has Bee resolved. Contacted. SSA by phone. Visited local office I was told there it's nothing they can do. Also after reading several reviews across the state. A lot of people are having these issues. SSA confirmed funds have been deposited Into my account. This is just ridiculous. Iam the payee for an XXXX individual.
Consumer complaint received 2022-06-05
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)

I have unauthorized inquiries on my report and would like it to be removed, If you can not provideproof such as a signature in writing form stating that i authorized these accounts & inquiries according to the FCRA any inaccurate items on my Credit report that isn't % 100 verifiable or accurate must be removed immediately it is not Metro-2 compliant or meet E-oscar requirements, Please remove items immediately!!
Consumer complaint received 2022-06-05
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 — Investigation took more than 30 days
Company: Consumer Adjustment Company Incorporated (GA)

I filed a Dispute in regards to the incorrect items on my credit report with Credit Bureau XXXX on XX/XX/2022. It has been well over 30 days and I haven't received any investigation results. 

Incorrect Items : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2021-08-29
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

On XX/XX/2021 I inquired as to many erroneous inaccuracies on my credit profile I have yet to have been updated as to what is exactly going on, its been over 60 days now. 
I am seeking assistance in the upsetting matter that has come to my attention regarding my credit report these accounts are inaccurate unverifiable invalidated and questionable. If these items are not reporting 100 % accurately they must be removed. Can you please take a moment to clear this up on my behalf. According to law unverifiable, inaccurate accounts must be removed, thank you for your help in this matter
Consumer complaint received 2022-06-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Service Finance Holdings, LLC (FL)

This is a stand-alone complaint, not directly connected to a previous complaint, as this concerns the company in question claiming to be a XXXX DEBT COLLECTOR XXXX, while not being licensed as such, per the State of Florida, Office of Financial Regulation . 
On XX/XX/2022, I received a letter, dated XX/XX/2022, where the afore-mentioned Service Financial Company , LLC indicates that they are a properly and duly licensed Consumer / Business Debt Collector . I have retained proof to attach. 
I just ( XXXX around noontime ) did a search for such and all licensing of Service Financial Company, LLC : NONE found via the online search, not even for any license, as best I could search.

Because of this lack of proper licensing, I feel and believe that I, an elderly XXXX Veteran, have been the attempted victim of unscrupulous and questionable actions and behaviors from this supposed FHA TITLE I lender. 
I am not sure whether their letter is a threat, but it sure does feel like such, as I never authorized any XXXX submitted payment that would have been rejected due to Insufficient Funds XXXX, as that letter indicates. 
At worst, I feel that by their submitting such a request for my account payoff that the company has tried to impersonate me, which I believe is against the Florida Statutes, Title XLVI, Chapter 817, in many ways or points and using such to attempt to XXXX force XXXX ( as described by many legal sites ) me in such fashion appears to be a concerted effort, not unlike XXXX organized crime XXXX, by the very definition.
Consumer complaint received 2022-06-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Neon Newco Corporation (GA)

XXXX account different locations taxes, Maryland, extra large amount of money from the bank charg for account phone number XXXX ) XXXX debt from debits against company XXXX principal Owner. Through XXXX reordered forms charging it to my phone number above. Questions from a were prepare for more transfer money stopped sent to account Bank account activity without an account applicable to taxes from FDIC insured Money. I've been scammed by XXXX for no reason just because XXXX principal Owner to email account. Fighter and banking partnership to end fraud from all banking endeavor. 

Searching for my number is on XXXX maps type in XXXX ) XXXX amazing I couldn't power as from pristine as wrong headed think it's a scarce resource. But orders for merchandise go through XXXX and abroad my company. I'm quite sure tax write off limits. Seeking answer to key systems through insurance coverage on my capital income protections. Thanks for when will it End.
Consumer complaint received 2022-06-05
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: Experian Information Solutions Inc. (FL)

This is my third request Credit bureaus stated that on my credit report that they did a proper investigation but how is that possible if the date opened is inaccurate, the date last active is inaccurate, last verified not correct, date last reported is not accurate, also date of last payment, balance owed and credit limit is inaccurate. This grounds for removal. 

These Accounts include : XXXX XXXX account # XXXX They also violated my rights under : 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report. 

I also affixed copy of report from XXXX where they stated that my account is verified and also there is a copy of my credit report showing inaccuracies.
Consumer complaint received 2022-06-05
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. (FL)

This is my third request Credit bureaus stated that on my credit report that they did a proper investigation but how is that possible if the date opened is inaccurate, the date last active is inaccurate, last verified not correct, date last reported is not accurate, also date of last payment, balance owed and credit limit is inaccurate. This grounds for removal. 

These Accounts include : XXXX XXXX account # XXXX They also violated my rights under : 15 U.S.C 1681 section 602 A : States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report. 

I also affixed copy of report from XXXX where they stated that my account is verified and also there is a copy of my credit report showing inaccuracies.
Consumer complaint received 2022-06-05
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: EQUIFAX, INC. (FL)

This is my third request Credit bureaus stated that on my credit report that they did a proper investigation but how is that possible if the date opened is inaccurate, the date last active is inaccurate, last verified not correct, date last reported is not accurate, also date of last payment, balance owed and credit limit is inaccurate. This grounds for removal. 

These Accounts include : XXXX XXXX account # XXXX They also violated my rights under : 15 U.S.C 1681 section 602 A : States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report. 

I also affixed copy of report from Equifax where they stated that my account is verified and also there is a copy of my credit report showing inaccuracies.
Consumer complaint received 2022-06-05
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. These are the names that appear on my credit reports 15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 section 2 : It also states a consumer reporting agency can not fumish an account without my written introductions
Consumer complaint received 2022-06-05
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I have submitted disputes to you and I havent received a response within 30 days, and yall are required by law to do so. Please investigate my disputes, please Thank you.
Consumer complaint received 2022-06-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have submitted disputes to you and I havent received a response within 30 days, and yall are required by law to do so. Please investigate my disputes, please Thank you.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed TransUnion, XXXX and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.
Consumer complaint received 2022-06-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Linebarger Goggan Blair & Sampson LLP (MD)

In a notice dated XX/XX/XXXX, XXXX XXXX XXXX, XXXX ( " XXXX '' ) of XXXX, WI informed me of a Delaware DOT toll violation amount due of XXXX. ( I have an active XXXX account and my DMV address is up to date, yet this was the first notification I received of a toll violation ) In a letter sent before XX/XX/XXXX, I disputed the debt and asked for verification. 

In a letter dated XX/XX/XXXX, XXXX wrote that " we are unable to process your correspondence. '' XXXX sent 2 notices dated XX/XX/XXXX further attempting to collect the debt. 

On XX/XX/XXXX, by certified mail, I wrote XXXX and explained that I had disputed the debt within 30 days and that they acknowledged they were unable to process my request for verification. Therefore, I considered the matter to be closed. 

In a letter postmarked XX/XX/XXXX, XXXX wrote to say the timeframe to dispute the debt had expired and the debt was still due. This was the last written correspondence I received from XXXX. 

In a letter dated XX/XX/XXXX ( received on XX/XX/XXXX ), Linebarger Goggan Blair & Sampson wrote that DelDOT had retained them to " resolve the ... listed amount owed DelDOT. '' The notice does not indicate that it is an attempt to collect a debt and provides no information on how to dispute the debt.
Consumer complaint received 2022-06-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: McNeil & Meyers Asset Management Group, LLC (NC)

Disputed with the company on XX/XX/XXXX. The company received my disputes on XX/XX/XXXX. It is now XX/XX/XXXX and I've yet to hear back from the company. The FRCA gives the company 30 days to respond, I have not gotten a response.
Consumer complaint received 2018-03-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES (SC)

I am writing because I am concerned that my student loan payments while with Great Lakes will not be counted toward public service loan forgiveness, even under the new Technical Corrections Act ( HR 4399 ) that was passed as part of the omnibus spending bill. Because Great Lakes consolidated me into FFEL loans and I never received information about direct loan consolidation options or how FFEL would limit my eligibility for PSLF, I am five years behind on my pathway to PSLF. I made {$18000.00} in payments that will, essentially, not count toward anything in the end, because I was in the wrong kind of loan. I had hoped the Technical Corrections Act might remedy this situation, but now I am learning that it will not. My payments would have counted under this new program if I had been in the right kind of loan, but I was not made aware of these issues.
Consumer complaint received 2022-06-05
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. (FL)

This is my third request Credit bureaus stated that on my credit report that they did a proper investigation but how is that possible if the date opened is inaccurate, the date last active is inaccurate, date last reported is not accurate, date of last payment, no. of months inaccurate and also high credit and credit limit are inaccurate. This grounds for removal. 

These Accounts include : XXXX Bank Account # XXXX XX/XX/XXXXAccount # XXXX They also violated my rights under : 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report. 

I also affixed copy of report from XXXX and Transunion where they stated that my account is verified and also there is a copy of my credit report showing inaccuracies.
Consumer complaint received 2022-12-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Exodus Movement, Inc. ()

Commencing on or around XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX ( the Fraudsters or the Company ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX XXXX which were transferred from my wallet : XXXX utilizing your services. 
I do not have a proclivity to blame others for my downfalls, however, I can not help but link this enormous loss with the trust I had instilled in their institution which is regulated.
Consumer complaint received 2022-06-05
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. (VA)

In accordance with the Fair Credit Reporting act XXXX  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 an account without my written instructions
Consumer complaint received 2022-06-05
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: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting act XXXX 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 an account without my written instructions
Consumer complaint received 2022-06-05
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: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting act XXXX The following Accounts, has violated my rights. 

XXXX XXXX XXXX XXXX Account # XXXX {$800.00} XXXX XXXX XXXX Account # XXXX {$460.00} XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Reference # XXXX {$460.00} XXXX XXXX XXXX Account # XXXX {$440.00} XXXX XXXX XXXX XXXX XXXX Bank XXXX {$970.00} XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX Bank {$970.00} XXXX XXXX XXXX  XXXX Account XXXX XXXX {$3000.00} 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 2022-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (AL)

I pled to have the XXXX days late payment status on both loans removed from my credit report. I was under the impression that the loans were still in deferment. I received a credit alert in XX/XX/XXXX that the loans were XXXX  days past due. I was unaware that the loans had entered the re-payment. In XX/XX/XXXX the federal government entered student loan repay pause due to the Covid crisis. After several extensions the pause is extended to XX/XX/XXXX. I feel that the XXXX  days late status is in error. It has made a very negative impact on my credit which is preventing me from closing my house. I have worked hard over the past few months trying to improve my credit score. This negative impact on my credit score, has caused me stress and anxiety. The housing market is unfair for minorities, and Im requesting removal immediately. If this matter is not resolved, I will have to reach out to an attorney to help get it rectified. Ive made several attempts to get Navient to resolve this matter. I was told theres nothing they can do.