davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The inquiries listed in my report were unauthorized .I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FIN XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX NA XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX & XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.
Consumer complaint received 2022-05-22
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: TRUIST FINANCIAL CORPORATION (FL)

In accordance with the Fair Credit Reporting act Truist Bank ( Formerly LightStream ) Acc. # 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 15 USC 1681s-2 ( a ) ( i ) ( a ) - Responsibility of the Furnishers on my Consumer Reports 15 USC 1681s-2 ( a ) ( 1 ) ( B ) ( i ) - the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate
Consumer complaint received 2022-05-22
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)

In accordance with the Fair Credit Reporting Act these accounts have violated my Rights. 

XXXX XXXX  # XXXX XXXX Auto # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX 15 U. S. C. 1681 section 602A -- -- states I have a right to privacy.

15 U.S.C. 1681 section 604A section 2 -- -- States a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-22
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. (RI)

In accordance with the Fair Credit Reporting act Bankruptcy 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 2022-05-22
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. (RI)

In accordance with the Fair Credit Reporting act 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 2022-05-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a prepaid Visa Bank of America Reward Card that expired XX/XX/22. I called Bank of America customer service and they told me I had {$340.00} left on the card that is now closed and the funds are " gone ''. They said the funds do not go to them ( BOA ) or back to the business that issued me the card. I asked for a replacement card and I would be happy to pay the fee for this and they told me no. The funds are gone. The account is closed and the funds are gone. I asked to speak to a supervisor who told me that once the card expires I loose the funds. I read on the back in small print that once it expires, the funds have no value after that but how can that be?
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (RI)

I initiated communication with XXXX XXXX XXXX XXXX by sending a letter requesting them to opt me out of reporting for account number XXXX. Regrettably, not only did they neglect to fulfill my request, but their response was unrelated to my original letter, which explicitly asked for opting out of reporting. I have attached the original opt-out letter, two documents providing opt-out laws and their definitions, and a copy of the account details and reporting from all three reporting agencies, XXXX credit card agreement to show they have arbitration in their agreement as well as their arbitration instructions document. The documents reveal several inaccuracies present in the reports, and all relevant dates and information pertaining to this complaint have been provided for your review.
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. (MI)

The following accounts do not belong to me. I've tried so many times to get these things removed from my credit report. They report inaccurate and incorrect information and it's illegal they should not report it on my credit report. 

XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX CREDIT CARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-22
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. (RI)

In accordance with the Fair Credit Reporting act 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 2022-05-22
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. (TX)

So i sent a letter off on XX/XX/2022. Here is my tracking # XXXX. To remove personal information that i dont want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.

These are clear violations of my my Federally Protected Consumer rights.
Consumer complaint received 2021-06-16
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. (OH)

Companies are reporting wrong information to my credit report. I have sent multiple letters in explaining to the bureaus that certain accounts don't belong. But nothing has change.
Consumer complaint received 2015-08-29
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd. (MD)

I paid this bill the day I received it. I have continued to receive the same bill even after providing a copy of the cancelled check XXXX.XXXX told me repeatedly I had XXXX options to either fax or email the canceled check even after I told her I could not do either. XXXX supervisor after the XXXX Bill finally gave me a mailing address.After calling Patient relations at the XXXX XXXX XXXX Center I was told I should be contacting XXXX XXXX XXXX hospital. I do not understand why they did n't tell me this sooner I was instructed by XXXX XXXX to mail the copy of the cancelled check to her. Even with continued communication documenting with XXXX XXXX XXXX XXXX and XXXX XXXX Hospital that the bill was paid they sent a delinquency notification from Harris and Harris Ltd collection agency.
Consumer complaint received 2021-02-12
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. (NC)

I Contacted XXXX XXXX XXXX XXXX and they are saying that my credit reporting is accurate and want fix the error that i am complaining about.they are reporting a paid charge off account as paid in full charge off along with payment history of a charge off in 2020 which shows up as a recent missed payment. 

i was convinced to pay the charge off in full in exchange for a pay for deletion and to be removed from XXXX. i was removed from XXXX  but the updates on my credit reports are inaccurate across all 3 reporting agencies.everytime i address this issues with XXXX XXXX there response is to prove the account is mine which is the wrong reason i'm disputing this account.i am disputing the payment history that is being reported as a missed payment in different forms with the 3 credit reporting agencies. 

I will attach the 3 credit reports and show the inaccuracies clearly, i do not know what else to do as far as showing the inaccurate reporting that is being reported as accurate. it has been almost 2 years of the same thing from XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX can clearly see the error but refuse to fix by replying with account verification documents, which clearly is not being disputed. i am disputing payment history reporting errors which should say settled or no data because the only comment should say paid charge off as agreed or Settled if that cant be reported across all 3 reporting agencies. 

attached are XXXX and experain reporting
Consumer complaint received 2023-08-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Holdings, LLC (CT)

I called XXXX XXXX XXXX  someone answered and said it was the wrong office and transferred me. When the person picked up sounded like they were caught off guard. I proceed to explain I saw this debt on my credit report and I wanted proof because I never received it. He took my name and social and told me an amount of {$1.00} less than I saw, told him that then he placed me on hold and never came back.
Consumer complaint received 2022-05-22
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXX XXXX XXXX : XXXX XXXX bUSINESS TYPE : AUTO FINANCING DATE OF INQUIRIY : XX/XX/ XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.
Consumer complaint received 2022-05-22
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. (TX)

So i sent a letter off on XX/XX/2022. Here is my tracking # XXXX. To remove personal information that i dont want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.

These are clear violations of my my Federally Protected Consumer rights.
Consumer complaint received 2022-05-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CO)

I recieved a couple of business related payments through Venmo which ive had for a little of a year now and theyve always caused me some kind of problems since i first started using them. Recently i had a payment from a customer come in at {$190.00} and venmo took their cut and then reversed the withdraw that i initiated to be deposited into my normal primary account. They revered the withdraw and then froze both of my accounts and have been telling me the last 2 weeks that i am permanently banned and that they are going to hold my funds for up to 180 days and i cant do anything to the accounts and everytime i try to speak to someone they tive me the same runaround answers and i have receieved absolutely no feedback or answers
Consumer complaint received 2022-05-22
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. (IL)

In accordance with the Fair Credit Reporting act, XXXX 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 consent.
Consumer complaint received 2022-05-22
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. (FL)

I have a lot of hard inquiries on my credit report that I disputed with the three major credit bureaus. I also disputed them with the companies that submitted the hard inquiries. Second I an account that shows late payments that is incorrect.
Consumer complaint received 2022-05-22
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. (TX)

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXX / XXXX XXXX : XXXX / XXXX BUSINESS  TYPE : PERSONAL LOAN DATE OF INQUIRIY : XX/XX/2021 XXXX / XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.
Consumer complaint received 2022-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a lot of hard inquiries on my credit report that I disputed with the three major credit bureaus. I also disputed them with the companies that submitted the hard inquiries. Second I an account that shows late payments that is incorrect.
Consumer complaint received 2022-05-22
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. (TX)

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXX / XXXX XXXX : XXXX / XXXX XXXX TYPE : PERSONAL LOAN DATE OF INQUIRIY : XX/XX/2021 XXXX / XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.
Consumer complaint received 2022-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TN)

XXXX credit cards of mine were all closed on XX/XX/2022. I never paid late, I have a XXXX credit score and never went over my limits. When I called asking about them spoke to a XXXX whom would not give me a clear reason as to why all XXXX of my credit cards were closed. She advised she couldn't give that information to the public. I'm not the public these are my cards.
Consumer complaint received 2022-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

Recently as of XX/XX/XXXX Experian started reporting an account that surly was charged off prior to XXXX. However, Experian is reporting the information as only for XXXX which reflects the accounts as new stating that I recently had 2 accounts with late fees. The accounts in question have been charged off prior to XXXX. Also, charged off accounts should not in fact be reporting any late fees or recent late activity, the account has been completely charged off how can it inquire any additional fees. I have disputed both accounts twice and Experian is reporting that the information is accurate without updating with actual information. Based on inaccurate information being reported I am requesting that both accounts are deleted. Below in the attachments you will find the dispute and the information that was only updated. I do not have any recent delinquencies and my account should not be reporting as recent.
Consumer complaint received 2022-05-22
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 XXXX Account # 1. Account - XXXX XXXX XXXX 2. Account - XXXX from XXXX XXXX 3. Account - XXXX from XXXX XXXX XXXX I have 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 2019-09-30
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. (MI)

Sir or Madam : I have been attempting to correct erroneous credit reporting over the past two+ years. 

Many items on the report are simply wrong. 

I have family members with the same and similar names. I believe that this may be part of the issue. 

The dispute process has been employed multiple times over the past two+ years. 

XXXX XXXX, Equifax & XXXX ( a.k.a. the CRA 's ) have failed to correct or remove disputed items in accordance with the FCRA. 

Regarding the CRA 's obligations pursuant to 'ReInvestigation ', this is where the problem lies. 

After the initial disputes are filed, I get barraged with electronic, canned responses that are the same each time. These equate to nothing more than electronically-generated FORM LETTER RESPONSES. 

I have repeatedly asked the CRA 's to have a HUMAN BEING REVIEW SIMPLE ITEMS TO CORRECT OR DELETE, HOWEVER, THE CRA 's HAVE NEVER, TO DATE, HAD A PERSON PROCESS MY REINVESTIGATIONS ( which I understand violates the FCRA 's requirement for ReInvestigations ). Please EDUCATE ME ON THE FCRA HUMAN REQUIREMENT ( s ), if HUMANS ARE REQUIRED TO DO THE WORK. 

This has created an enormous stress and burden on my family and I. 

We are in the middle of a mortgage application to honor the lender 's requirement that we pay the entire mortgage off ( through rate/term refinancing ) on or prior to XXXX XX/XX/XXXX. 

As a result of the failure of the CRA 's, we have been denied credit from XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX even though the our credit is stellar/eligible outside of these errors and misreporting. 

We were offered a discounted payoff of our mortgage if we paid it off by XXXX of XXXX, however, we were unable to do so as a result of the CRA 's failure ( s ). 

All told, this problem is damaging us significantly. The total damages exceed {$200000.00} as of the present date ( XXXX XX/XX/XXXX ). 

We are in jeopardy of losing our home if we do not perform and honor our current mortgage contract by paying it off by XX/XX/XXXX. 

We do not have the means to file an FCRA lawsuit, so, please help us! 

On behalf of my wife, XXXX, & children, we thank you in advance for any and all assistance the CFPB can assist us with having the CRA 's simply correct incorrect and/or erroneous credit reporting. 

Sincerely, XXXX XXXX. 
XXXX XXXX, MI