davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-23
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. (IL)

Creditor has not followed IL state regulations. Creditor also continues to report erroneous and inconsistent data on my consumer profile profile. In XXXX of XXXX I took out a title loan with this agencyI fell behind in payments and in XX/XX/XXXX my vehicle was repossessed as collateral to satisfy the loan. At the time of the loan I was not knowledgeable about IL. state law regulates a title loan 's maximum APR at 36 %. My APR with this loan agency was set at 178.61 %. In Addition to this violation all repossessed collateral according to state regulation satisfies the outstanding debt. Once the loan is defaulted No interest is able to accrue after repo. Not only did this company not adhere to state requirements and regulations, but they also have decimated my credit profile with their incorrect and inconsistent reporting. I have attached 2 separate credit reports ; XXXX XXXX the other XX/XX/XXXX as proof that this creditor reports unfactual and inconsistent information. I disputed with the Experian Bureau who responded that the information reported meets FCRA Guidelines. Experian Has failed to conduct a full and thorough investigation, which is another violation of my rights. Therefore I will also hold the Credit Bureau accountable for allowing the creditor to furnish them unfactual inconsistent data. 
A HUGE violation of my consumer rights is XXXX re-aging of debt. Proof of my XX/XX/XXXX credit report shows Date Last Active of XXXX. However, the XX/XX/XXXX report shows Date Last Active XXXX. No payment has been made on this account since XXXX XXXX. XXXX re-aged the debt by over 2 years! Next, XXXX XXXX reports in XX/XX/XXXX, that the date of my Last Payment was XXXX But looking at what They reported on my XXXX XXXX report, No Payment at all was reported in XX/XX/XXXX. 
The payment history reported is all inconsistent, and inaccurate. Payment statuses jump around from 60 days late to 180 days late, then back to 60 days late. This is not AT ALL possible. Next, vehicle was repossessed in XXXX but reporting 180 days late for over 2 years, but never closed or charge-off status. Account remains open and Accrues interest. Seeming to be a current open XXXX XXXX. Monthly payment of XXXX is reported, which affects my debt to income ratio. This Creditor has hurt my ability to obtain new credit with the false information they have continued to report. This is written defamation of character. I will seek damages from both the Creditor and Credit Bureau. I want this account removed from my credit profile immediately and for the creditor to Cease all reporting and collection attempts of this debt they claim I legally owe them.
Consumer complaint received 2023-02-27
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 to 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 : CHILD SUPPORT ACCOUNT NUMBER XXXX XXXX has violated my rights Account name : XXXX XXXX  Account number : XXXX has violated my rights Account name : XXXX XXXX Account number : XXXX has violated my rights Account name : XXXX Account number : XXXX has violated my rights Account name : XXXX  Account XXXX has violated my rights Account name : XXXX XXXX Account number : XXXX has violated my rights Account name : XXXX XXXX  XXXX Account number : XXXX has violated my rights Account name : XXXX XXXX  XXXX Account number : XXXX has violated my rights Account name : XXXX XXXX XXXX  Account number : XXXX has violated my rights Account name : XXXX XXXX XXXX. Account number : XXXX has violated my rights Account name XXXX XXXX Account number : XXXX has violated my rights Account name : XXXX XXXX Bankruptcy Account number : XXXX has violated my rights 1

5 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2019-12-12
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)

Phone number XXXX & XXXX is not my personal phone number as showing on my credit report. 
Provide proof that XXXX & XXXX belongs to me in contract by a phone provider along with name of company that provides the number in a personal name.
Consumer complaint received 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # 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
Consumer complaint received 2019-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE (OH)

After banking with Huntington for several years, in total 18 years on and off, they froze all my accounts on Tuesday XX/XX/XXXX. They claimed the issue was due to my XXXX Deposits first, because they came in my username not my real name, which is common with online selling venues. I leave to get the documents they request and while in the parking lot I am called to bring in further documents, this time about a check I deposit on behalf of my mother for survivors benefits of workers comp she receives from my uncle she cared for after his XXXX for two decades. My mother is now XXXX, she is a XXXX   XXXX XXXX, and the bank forced me to bring her out in freezing temperatures - despite her having a recent XXXX XXXX, to sign documents about my account - despite the fact I had provided POA documents before. After this SIX HOUR escapade - they unlock the account after XXXX that night and release my money. All the while, I am now behind on orders for work and was unable to buy postage and product due to my money being held all day - pushing me into 2/3 day delays. The account is fine on XXXX. On XXXX - after getting two large deposits from sales - once again my account is held. This time they wanted me to force my mother to open a bank account or they wouldn't unlock my account. They waited until after XXXX to lock the account so I was unable to get any sort of resolution that day and my money was held until the following day - and with another deposit coming in. Now I'm down three days I haven't been able to work during my busiest time of year. Friday, after I filed a complaint with the OCC - they release my account funds in part. It's now too late to buy product so I'm now 7 days behind on some orders. They force me to come back the following day to get the other half of my money. On Tuesday, XX/XX/10, the accounts are completely closed. I had to update my shops to new banks - which results in a 5 day hold - so now I'm at 9 days of loss of business and forced to refund many people. Two employees, namely XXXX XXXX and XXXX XXXX, were combative and unhelpful. XXXX XXXX degraded my mother for being XXXX and said he would not handle her XXXX and wouldn't help if she didn't stop being upset. He embarrassed and harassed her for three hours in the XXXX XXXX branch location.
Consumer complaint received 2023-05-11
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: Designed Receivable Solutions, Inc. (CA)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt. in fact therefore exist 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose In Accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2019-12-12
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. (WA)

1. My credit report shows incorrect records on my credit account. My credit account is pulling in credit and account information from my brother 's account. He has a completely different name, birthday, and obviously SSN as me. This ranges from everything from a mortgage to open credit card accounts. This problem exists for XXXX  and Equifax. 

I have disputed these items with the company. Company has rerouted me to multiple channels but I am getting conflicting information, inconsistent next steps, and unknown timelines. I have been routed to multiple tiers of CSR agents, all with no control over the process - even though it is obvious that the records that are being pulled in are not mine. They are requesting the customer jump through multiple hoops in order to " prove '' that the information the companies have dictated incorrectly is incorrect.

2. My name is incorrectly shown in some cases. First name is being listed as middle name. This is further a problem because I am rejected from even basic items such as opening an account for the company, and I am locked in a loop.
Consumer complaint received 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Account # : 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 In accordance with the FairCredit Reporting act. The list of the account above has violated my consumer rights privacy and confidentiality under 15 USC 1681.

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

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

15 U.S.C. 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime 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 be that the information is in accurate.
Consumer complaint received 2023-02-26
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. (NC)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-05-11
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. (PA)

XXXX XXXX sent me a letter in XX/XX/XXXX  regarding a fraudulent account. They identified an account that did not belong to me, and they sent a letter to Transunion on XX/XX/XXXX  ( see attached ) asking them to remove the account because of Fraud. The account was removed ; however, the inquiry was not - and there would be no inquiry if the fraud had not occurred. 

I have written letters and made several phone calls asking for help to no avail from Transunion, but XXXX and XXXX removed the inquiry. 

Please, can someone help me with this matter?
Consumer complaint received 2019-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

Wednesday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX | DOB : XX/XX/XXXX To Whom It May Concern, I am writing to you in reference to the following unverified inquiries to my credit : XXXX  Sales Financing XX/XX/XXXX XXXX   XXXX XXXX Jewelry/Cameras XX/XX/XXXX XXXX  XXXX/XXXX Finance/Personal XX/XX/XXXX XXXX  XXXX XXXX  Bank Credit Cards XX/XX/XXXX XXXX  XXXX/XXXX  XXXX Auto Dealers, Used XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX  XXXX/XXXX  XXXX XXXX  Auto Dealers, Used XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX  XXXX XXXX Bank XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX   XXXX/XXXX  XXXX Auto Dealers, Used XX/XX/XXXX XXXX   XXXX/XXXX  XXXX XXXX  Auto Dealers, Used XX/XX/XXXX XXXX   XXXX Wireless Telephone Service Providers XX/XX/XXXX XXXX   XXXX Tenant Screeners XX/XX/XXXX XXXX XXXX  XXXX  Bank Credit Cards XX/XX/XXXX XXXX  I have disputed these inquiries as lacking permissible purpose and being unverified, yet you have failed to respond within the 30 day period allowed under the FCRA. As I have previously stated, I contacted the companies myself and have been unable to get them to verify that they possess any evidence of permissible purpose or authorization to check my credit. 

I have enclosed copies of my requests to these companies, asking them to prove any authorization or permission was given to check my credit. These companies have not demonstrated any permissible purpose, and are NOT allowed to be checking my credit. I'm not even sure if they DID check my credit, because they have not demonstrated that they possess any record of me on file. The error may in fact be a clerical error on YOUR part, in which case I demand that you investigate these inquiries immediately. In any event, you are in violation of the FCRA by reporting this information on my credit report. 

Furthermore, the FCRA requires you to verify these inquiries within 30 days of my request. If the validity can not be verified, you are obligated by law to remove them. There is a clear case of unverified inquiries, and I urge you to remove these inquiries from my credit report before I am forced to take legal action. 

In the event that you can not verify these pursuant to the FCRA, and you continue to list the disputed items on my credit report, then I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-12-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Columbia Collection Service, Inc. (OR)

I have been disputing a medical debt under the name of an old boy friend that has been listed as a joint account on my credit for years. I have disputed the medical debt with the credit agencies and called the collection agency that holds the accounts as well however the collections remain on my credit report. I am not married nor have I ever been married so there is no possible way I can have a joint medical debt with a spouse.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

I am submitting to inform you that I am scheduled to update my credit reports within the next 15 days. It is my sincere hope that the items listed below will be removed by the conclusion of this period, in accordance with FCRA Section 605b, which mandates the removal of items listed on an identity theft report with reference number 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  EQUIFAX 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 Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX
Consumer complaint received 2019-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Wednesday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX | DOB : XX/XX/XXXX To Whom It May Concern, I am writing to you in reference to the following unverified inquiries to my credit : XXXX  Sales Financing XX/XX/XXXX XXXX   XXXX XXXX Jewelry/Cameras XX/XX/XXXX TransUnion XXXX/XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX  XXXX  Bank Credit Cards XX/XX/XXXX XXXX  XXXX/XXXX  XXXX Auto Dealers, Used XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX  XXXX/XXXX  XXXX XXXX  Auto Dealers, Used XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX  XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX   XXXX/XXXX  XXXX Auto Dealers, Used XX/XX/XXXX XXXX    XXXX/XXXX  XXXX XXXX  Auto Dealers, Used XX/XX/XXXX XXXX   XXXX Wireless Telephone Service Providers XX/XX/XXXX XXXX   XXXX Tenant Screeners XX/XX/XXXX XXXX XXXX  XXXX  Bank Credit Cards XX/XX/XXXX XXXX  I have disputed these inquiries as lacking permissible purpose and being unverified, yet you have failed to respond within the 30 day period allowed under the FCRA. As I have previously stated, I contacted the companies myself and have been unable to get them to verify that they possess any evidence of permissible purpose or authorization to check my credit. 

I have enclosed copies of my requests to these companies, asking them to prove any authorization or permission was given to check my credit. These companies have not demonstrated any permissible purpose, and are NOT allowed to be checking my credit. I'm not even sure if they DID check my credit, because they have not demonstrated that they possess any record of me on file. The error may in fact be a clerical error on YOUR part, in which case I demand that you investigate these inquiries immediately. In any event, you are in violation of the FCRA by reporting this information on my credit report. 

Furthermore, the FCRA requires you to verify these inquiries within 30 days of my request. If the validity can not be verified, you are obligated by law to remove them. There is a clear case of unverified inquiries, and I urge you to remove these inquiries from my credit report before I am forced to take legal action. 

In the event that you can not verify these pursuant to the FCRA, and you continue to list the disputed items on my credit report, then I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-26
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. (TN)

On XXXX XXXX there were five separate fraudulent credit applications that I did not consent to or have knowledge of until after examining my credit report on XXXX XXXX and was referred to this complaint process. Prior to this fraudulent activity an individual also attempted to withdraw funds from the bank account via social media and the police were told but did nothing to the culprit known asXXXX XXXX who is residing in XXXX TN. She obtained my sensitive information from her partner XXXX XXXX who had my information stored somewhere. The companies and their information is listed below. Thankyou for allowing me to submit this complaint and I hope it is resolved accordingly. Id law enforcement is notified Ill be happy to provide information. 
1-XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX