davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-18
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 XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX 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.
Consumer complaint received 2022-09-14
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)

Experian have my XXXX XXXX credit card opened on XX/XX/22 as currently in dispute and which is incorrect I need my account to be taken out of dispute status because it is not in dispute with the lender or any credit bureau so incorrect furnishing of credit account I need them to take my account out of dispute status and update payment history and account data.
Consumer complaint received 2022-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (FL)

Hello my name is XXXX XXXX and this is my XXXX complaint towards Discover. Executive Office representative XXXX sent me an email which I never consented any contact from him and has failed to answer my response. 

Im aware an email sent to XXXX of the Executive Office stated Hello XXXX, Im aware that congress is really adamant about protecting consumers right to privacy. 

Nothing under the FCRA REQUIRES a furnisher to furnish negative information to any consumer reporting agency. 

The term " negative information '' means information concerning a customer 's delinquencies, late payments, insolvency, or any form of default. 

The term " nonpublic personal information '' means personally identifiable financial information- ( i ) provided by a consumer to a financial institution ; ( il ) resulting from any transaction with the consumer or any service performed for the consumer Im aware that Discover is only furnishing this negative information because the company 's " policy '' allows Discover to use unlawful extortionate means to coerce you to make payments on extensions of credit. 

Collections of extensions of credit by extortionate means is a violation of 18 USC 894 and carries a criminal liability of up to 20 years. 

Can you clarify the billing errors that you claim im allegedly late on? I would promptly like to receive the accounting for this. 

Warm Regards XXXX has failed to respond to my request and has willfully neglected to respond to my request. 

As a consumer if theres any billing dispute between consumer and financial institution they lose the right to collect until the billing dispute is resolved. 

CFPB please be aware that Discover continues to solicit and send me payment reminder emails when theres a dispute between parties. 

Im aware as a consumer per the IRS I can request the AUD trail and the account ledger for the this account. 

XXXX of the Executive Office please furnish the requested documents. You failed to correct my report and now Im asking for all verifying documentation.

Im giving Discover ( 3 ) business days to send me : AUD trail Account Ledger As a reminder, since theres a dispute between parties. Discover can not collect any amount until the dispute is resolved. There must be suppression of the account until all disputes are resolved.
Consumer complaint received 2022-05-31
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. (NJ)

XXXX - XXXX XXXX - Is a fraudulent inquiry on my report need to be removed XXXX - XXXX XXXX is another fraudulent inquiry I don't recognize and it ran my report 3plus times which is insane please removed asap my Information was recently in the dark web please removed. 
XXXX XXXX XXXX XXXX  is fraudulent I don't recognize as well please removed.
Consumer complaint received 2022-12-18
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. (MI)

I filed complaint XXXX on or around XXXX XX/XX/2022 indicating that the XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ) had supplied TransUnion with invalid/unverifiable/inaccurate information for a credit card account and a line of credit ( revolving student loan ). TransUnion has been made aware that the data furnisher violated Regulation Z and Regulation F, the FCBA, the FDCPA, the FCRA, and the ADA. TransUnion received a copy of the complaint I sent to the office of my state 's attorney general and the US Attorney 's Office for my district, which cites the specific state and federal law violations. Yet, having received those complaints and the copious documentation supplied, some of which includes documents from the data furniser acknowledging repeated system failure that caused months of no delivery of electronic statements OR paper statements, TransUnion has persisted in the invalid/incomplete information claiming the data furnisher " verified '' the accuracy of the information, stating : " In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXX XXXX XXXX XXXX AS REPORTED ( XXXX ) '' I Included documents with complaint XXXX ( screenshots ) showing the data furnisher 's system indicating not only XXXX ( XXXX ) access to paper statements and electronics statements, but the records showing I had XXXX ( XXXX ) accounts for the periods in the data furnisher supplied TransUnion with information regarding late payment history and charge-off. TransUnion is persisting data that indicates I failed to pay on an account through charge-off, when TransUnion has the documentation from the data furnisher indicating the furnisher DID NOT bill me, allegedly fixed the problem, only for the probelm to return, causing the accounts to subsequently be charged-off. Based on a preponderance of the evidence supplied to TransUnion in complaint XXXX, TransUnion knows , or SHOULD know, ( should have reasonable suspicion to believe based upon documentation supplied ) that the information supplied by the data-furnisher is incorrect. Yet, TransUnion persists the invalid and/or unverifiable information. With just the statement here I have cause to sue TransUnion. Instead, am requesting this matter to be resolved using this CFPB process.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

Recently I've looked over a copy of my consumer report and noticed both accounts and information thats either inaccurate or doesnt belong to me. Ive then reached out to the creditors thats reporting these accounts and asked them to verify any debt. The creditors havent reached out to me with a response, nor did they provide any documentation that verifies this debt. How can they report a debt if they cant verify that it belongs to me? By them purchasing my personal information and sharing it to a third party without my consent is a violation of my right to privacy. I am asking Experian to thoroughly investigate my dispute letter and remove anything that isnt accurate or verifiable. I know that it is their duty to do whats fair and equitable for me as a consumer and report the most accurate information possible. I am aware that Experian must be compliant with all the laws governing consumer rights that they agreed to. The inaccurate information and accounts thats reporting on my consumer report is impeding my ability to obtain financial services or relationships with any potential lender. Included in my complaint is a copy of my consumer report containing the inaccurate information that I asked Experian to block and remove from my consumer report in which this information is both inaccurate and doesnt belong to me. 



Violations committed by Experian and the Creditors : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Consumer complaint received 2022-12-18
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. (PA)

I live in PA. Someone with the same name or just used my name, opened an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They used my SSN to open the account sometime around XX/XX/2022 in XXXX Illinois. By XXXX, {$2900.00} was owned on the account. On XX/XX/XXXX, I received an email alert that at Potentially Negative- Major Derogatory appeared on my credit report. I immediately disputed it on Experian, and I contacted XXXX XXXX XXXX XXXX XXXX XXXX to inform them that it was fraudulently opened under my name and SSN. They said it was actually above {$3000.00} at this point. Then I called Experian and we decided to close the dispute and report it as fraud. I received a letter from the collection agency on XX/XX/XXXX along with some of the bills that were sent to the Illinois address. I wasn't quite sure what they said in the letter. So, I contacted them again and they said we were all good. It seems like Experian agrees. I continue to see the collection on my credit report. I keep disputing that hoping to have it removed. It was fraud but yet it continues to hurt my credit rating. Is there any way to have it removed?
Consumer complaint received 2022-05-31
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. (MA)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, The XXXX  At 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  and XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.C.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. 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.
Consumer complaint received 2022-05-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (SC)

A debt collector ( ERC ) is attempting to collect a debt from me ( 1 ) that is not mine, and ( 2 ) that I have already successfully disputed with the credit rating agencies last year after the first attempt to collect on this debt that is not mine. 

The debt alleged is {$970.00} for an XXXX XXXX XXXX XXXX account. I have never had an account of any sort with XXXX ; I am and have been a XXXX customers for my cell phone service, my internet service provider when I lived in XXXXXXXX XXXX  until XXXX was XXXX, and my current internet provider in XXXX XXXX is XXXX ( formerly XXXX XXXX ). I have never opened an account for either cellular or internet service with XXXX. I have never done business of any kind with XXXX. I first learned of this erroneous debt collection when it was placed on my credit reports in XXXX of XXXX, and I immediately opened disputes with the credit rating agencies it was reported to ( It showed up on 2 of them : I know for sure one was XXXX, and I believe the other was XXXX ) and those disputes were quickly resolved in my favor and the debt collection was removed from my credit reports. 

Now ( XXXX of XXXX ) I have received a letter in the mail from : ERC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Attempting to collect on this same erroneous debt that I already successfully disputed last year.
Consumer complaint received 2022-05-31
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/2022 an unknown person opened multiple accounts with Truist utilizing the online portal. I contacted Truist on XX/XX/2022 after receiving a debit card in the mail and they put a fraud hold on the card, but did not close all of the accounts.
Consumer complaint received 2022-05-31
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. (DE)

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 # 's 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 2018-10-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

RE : Loan # XXXX I have been in a Loan Modification Plan with Select Portfolio Servicing ( SPS ) since XX/XX/XXXX. I have been providing them with all documents requested since XXXX & I have been advised by SPS that they had received all documents needed many times.. I keep providing the same documents over and over as they keep asking for them over & over. I have restarted the entire process over & over & this Loan Modification has gone on for 2 years without completion. They have done XXXX appraisals & their underwriting dept keeps taking so long that they let 3 months at a time go by without completion and then start asking for the same documents over again.They tell me that they are working for me, but the process never ends & my property stands to be lost, due to this never ending process and now I have issues with the Homeowners Association after being told by SPS not to worry about the HOA 's because my account was being handled by their XXXX XXXX & everything was fine. Now I am being told the opposite. The lender is XXXX Bank XXXX XXXX Bank. I do not want to lose my home but this never ending process stands to put me in a position with the HOA that they moved to foreclose due to HOA dues after it was the HOA that made my home uninhabitable for well over a year due to the HOA " Slab Leak '' flooding my home causing it to mold & then they denied liability for months creating over {$70000.00} in damages without waiving HOA dues & then moved to foreclose because the Loan Modification did not take place yet. This Loan Modification Plan process is still taking place. Again on XX/XX/XXXX it will have been two ( 2 ) years of being in a Loan Modification Process with no results other than the stance of losing my home. DUE TO THIS I REALLY NEED YOUR HELP!!
Consumer complaint received 2023-02-21
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. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that are inaccurate and do not adhere to the laws and regulations set forth by the FCRA, FDCPA, FACTACT, TILA, RESPA, ECOA, and FCBA. 

Specifically, I would like to dispute the following accounts : Bankruptcy XXXX XXXX XXXX XXXXankruptcy : 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 off account The above accounts contain several violations of the laws and regulations mentioned earlier. I would like to request that you investigate the following items for possible errors and inaccuracies : The bankruptcy accounts have been reported inconsistently, with one account listed as XXXX XXXX XXXX XXXX XXXX account listed as Bankruptcy : XXXX XXXX, and another account listed as Bankruptcy XXXX  XXXX. This is a violation of the FCRA. 
The XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection account contains errors and should be investigated for inaccuracies. This item may be a violation of the FCRA, FDCPA, TILA, and/or RESPA. 
The charge off account for XXXX XXXX XXXX XXXX contains errors and should be investigated for inaccuracies. This item may be a violation of the FCRA, FDCPA, TILA, and/or RESPA.
Consumer complaint received 2022-05-31
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (IL)

During my divorce my ex wife was awarded the house and was told she had to refinance into her name because it was a VA loan in my name with just her on the deed. I had to find a new place to live and had an apartment and was paying both rent and mortgage payments until XX/XX/2019 because I could no longer pay both along with child support. Recently I found out that my ex wife abandoned the house and it has been in default since I made that last payment in XX/XX/2019. She made no payments and never refinanced the house while I became homeless and lost my job because of her. I've moved back to the house and notified my lender and I was told that it just went into foreclosure status with no sale date. They have given me a packet to help stop it and your company was on it. I do not want to lose my home or not able to get another VA loan due to this.. any help or advice will help.Thank you!
Consumer complaint received 2019-07-01
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: Bread Financial Holdings, Inc. (NC)

I have disputed this account with the credit bureaus to no avail. This account is no longer open, nor does Comenity hold this debt anymore. It was sold to a collection agency. However this account is being reported by both Comenity and the collection agency. This is dragging my credit score down significantly since 1 debt is being reported twice.
Consumer complaint received 2017-07-31
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. (GA)

XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX | XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
I demand the following accounts be verified or removed immediately. Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX Unverified Account Unverified Account Unverified Account Creditor 12 Unverified Account Creditor 13 Unverified Account Creditor 14 Unverified Account Creditor 15 Unverified Account Creditor 16 Unverified Account Creditor 17 Unverified Account Creditor 18 Unverified Account Creditor 19 Unverified Account Creditor 20 Unverified Account Creditor 21 Unverified Account Creditor 22 Unverified Account * Please remove all non-account holding inquiries over 30 days old. * Please add a Promotional Suppression to my credit file. Thank You, XXXX XXXX XXXX XXXX. IN WITNESS WHEREOF, the said party has signed and sealed these presents the day and year first above written. Signed, sealed and delivered in the presence of : XXXX XXXX XXXX XXXX. XXXX Signature STATE OF COUNTY OF I HEREBY CERTIFY that on this day before me, an officer duly qualified to take acknowledgments, personally appeared XXXX XXXX XXXX XXXX, who is personally known to me or who has produced XXXX as identification and who executed the foregoing instrument and he/she acknowledged before me that he/she executed the same. WITNESS my hand and official seal in the County and State aforesaid thisXX/XX/XXXX. XXXX Notary Public Printed Name : My commission expires :