davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-23
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. (GA)

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
The inquiry was not authorized XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/ Please remove it from my credit report.
Consumer complaint received 2022-05-31
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (LA)

I was on a Corvid Forbearance and fell behind on my mortgage. Then Hurricane Ida hit on XX/XX/XXXX and my home was total while I was in the process of Corvid19 Forbearance. I was told I was {$24000.00} behind on mortgage payments and I applied for the federal government assistance for the the Corvid housing forbearance and was awarded {$25000.00}. U.S. Bank Home Mortgage received the money on XX/XX/XXXX and they sent me a statement prior stating my payments were {$870.00} but when they received the money from the government they charged {$1000.00}. When I looked on my online line portal there were several payments for {$1000.00}. I spoke to XXXX and she stated the {$1000.00} is supposed to start in XX/XX/XXXX. How can a company be so deceptive and still be in business. I asked them how much was the pay off on my home, they stated a little less than {$61000.00} before I was awarded the money from the government and XXXX XXXX. Once I got the money, I told them you have {$25000.00} from the government and {$32000.00} left over from XXXX XXXX XXXX from my home repairs for a total of {$57000.00} put that toward my mortgage, it never happened. Why they sent me and email stating my home owners insurance is {$4600.00} and my mortgage is {$1000.00}. I have never seen a mortgage company that doesn't want a homeowner to payoff mortgage. They have the money, I have told them on numerous occasions to applied the money to the home. My next step is to seek legal advice.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

I have had a score of XXXX and up... .recently I had negative remarks and credit score drop significantly and inquired on XXXX site. 


saw XXXX XXXX accounts and disputed on XXXX as well as called XXXX... .at first they told me I had no record with my social of having an account and when I said impossible as its on My credit report ... Representative was very unknowledgeable to the process. 

I called back a second time to be told they could not give me information on this account and after a long lengthy heated conversation of if I am the consumer and its on my credit report ..I need information ..... 

again ... .another phone call I got this is a buy and pay later account and and the transaction was done in Arizona and I live in XXXX XXXX ... this is not my charge XXXX send an email that dispute was resolved and this debt is valid ... ..it is not valid ... .I have no XXXX account and made no purchases at a retail store in Arizona ... ..please help XXXX .the delinquency is killing my score ....
Consumer complaint received 2017-07-30
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Asset Recovery Solutions, LLC (OH)

This company has called me several times a day almost every day for the past few weeks. I finally received a letter from them onXX/XX/XXXX. I responded, asking for verification of the debt. I also asked that they not contact me until they validated the debt and that once I received their response, I would need 30 days to evaluate it. I sent this letter certified mail. The tracking number says they received the letter on XX/XX/XXXX at XXXX XXXX. However, that same day I received two phone called from them, at XXXX XXXX and XXXX XXXX
At no time have they ever left a voicemail. This makes this more an attempt at harassment than an attempt to collect a debt.
Consumer complaint received 2024-03-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MD)

1 ). Mohela has refused to apply PSLF payments to my account as of todays date. 

2 ). Mohela stated it takes longer to process PSLF applications with W-2s and or other documents proving length of employment. However, Mohela never reviewed those documents ( labeled documents as duplicates and remained unprocessed ). 

3 ). After confronting Mohela about falsifying information, a representative resubmitted my PSLF documents. Mohela stated this would take 3-5 business days to process. However, Mohela has refused to process the resubmission. 

4 ). Mohela knows once my PSLF documents have been processed, the 120 qualifying payments would be met.
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. (TX)

XXXX XXXX XXXX # Case XXXX FTC # Report Number XXXX Attorney General Attachment also included. 


NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 XXXX XXXX is violating 15 U.S.C. Sec. 1681i ( a )? I want this accounts deleted since its not being reported correctly. I called and confirmed with XXXX that this account is being reported open and also has been charged off, which is an illegal violation. I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please reinvestigate and delete off my report, or else I will be seeking {$1000.00} in Monetary compensation per violation.

Once an account is charged-off it should never appear as open. With a charge-off the original creditor is declaring the debt to be uncollectible. It could be that the debt has gone to a collection agency and what you may be seeing is an open account in collection. Collection accounts are reported with an open status, until the debt is paid or the collection agencys authority to seek payment is terminated.
Consumer complaint received 2022-06-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

XX/XX/XXXX, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

I then sent a letter for verification purposes on XX/XX/XXXX asking the credit bureaus to verify what source they used to verify that the bankruptcies that are showing on my personal credit reports are accurate. I had XXXX to place my inquiry in disputes after the letter clearly states I'm not disputing at this time and they responded back stating that the information was accurate and will not be removed, without stating the source they got the information from. XXXX and Equifax never responded back to my letter from XXXX, XXXX, XXXX. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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 2022-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX # Case XXXX FTC # Report Number XXXX Attorney General Attachment also included. 


NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 XXXX XXXX  is violating 15 U.S.C. Sec. 1681i ( a )? I want this accounts deleted since its not being reported correctly. I called and confirmed with Transunion that this account is being reported open and also has been charged off, which is an illegal violation. I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please reinvestigate and delete off my report, or else I will be seeking {$1000.00} in Monetary compensation per violation.

Once an account is charged-off it should never appear as open. With a charge-off the original creditor is declaring the debt to be uncollectible. It could be that the debt has gone to a collection agency and what you may be seeing is an open account in collection. Collection accounts are reported with an open status, until the debt is paid or the collection agencys authority to seek payment is terminated.
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: AMERINATIONAL COMMUNITY SERVICES, INC. (IL)

In accordance with the fair credit Reporting act XXXX Accounts # 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-08-02
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. (NV)

To whom it may concern, Please note that this is the 5TH time I am sending in a complaint in which I also have supporting documents of the nature of the unfair and unlawful practices Experian chooses to use. I have been disputing an account for approximately a year now in regards to my Experian Credit File. The account in dispute is " XXXX XXXX XXXX listed for {$2000.00} ''. I have been telling Experian that this debt does NOT belong to me over the course of a year in which Experian is supposed to take the steps under the FCRA to investigate fully as well as report fair and ACCURATE information on all consumers credit files ( which they do not and have not and have failed to keep their business practices lawful and truthful ). Experian has taken it upon themselves to NOT investigate properly or report the accurate information on my credit file and below you will see why I say this. 

I have supporting documents from the company " XXXX XXXX XXXX '' themselves stating they were not able to verify the debt as being mine. They sent this information through the XXXX  website as well as the letters they stated they were sending in to all 4 Credit Bureaus in regards to the deletion of the debt. Please note they also sent me a copy of the deletion letter ( uploaded through the XXXX  website from XXXX  ). I took it upon myself to also send in the copies of the letters to Experian in which the letters clearly states the debt is NOT mine and the request for removal from my credit file which I sent out on the XX/XX/XXXX. I today receive an updated disputed credit report in which Experian stated that " Unless I send them additional RELEVANT information to support your claim, they will not reinvestigate the information again. '' WHAT?? If this is how they handle a letter straight from the creditor dated XX/XX/XXXX of 2019 then this company is looking at a lawsuit soon! This also made me aware that they DO NOT investigate or pay attention to any of the hand written, eligible, and relevant proof that people send in, which also means they are not following or abiding by the FCRA. Please be aware that I sent in the copies of the letters uploaded through XXXX  by XXXX in regards to the account with my typed and signed letter requesting the immediate removal. 

This company is messing with so many people 's livelihoods by reporting false and inaccurate information and LYING to the public and consumers about " investigating '' accounts. They should be stopped and held accountable for this type of poor business. I have been held up for a year now on big purchases because they refuse to keep and update information so they can keep consumers behind and in debt on paper, it's absolutely disgusting.
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: Experian Information Solutions Inc. (HI)

XXXX XXXX XXXX  and US DEPT of ED has fraudulent accounts on my credit profile that need to be removed immediately XXXX XXXX XXXX  acct # XXXX US Dept of Ed acct # XXXX this is on twice
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. (HI)

XXXX XXXXXXXX XXXX and US DEPT of ED has fraudulent accounts on my credit profile that need to be removed immediately XXXX XXXXXXXX XXXX  acct # XXXX US Dept of Ed acct # XXXX this is on twice
Consumer complaint received 2022-05-31
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: PNC Bank N.A. (OH)

dear Sir! 

I am having a checking account with PNC Bank. A Premier Checking account holder is issued a cashier check free or without fees. I was issued a check by bank for amount of {$220.00}. The said cashier check was issued by XX/XX/2021 to pay for XXXX. XXXX XXXX. I, how ever, had lost the said check. I took time to locate the misplaced check. 

Finally, I approached bank branch for a request to cancel check. I was told that the branch do not keep copy of check beyond 60 days. Paper copies are destroyed in next 30 days. My monthly statements do not include information of issuance of cashier checks. Money of amount of check and commission if any are withdrawn from account or a member can bring cash and cashier check issued. A slip is issued that shows cashier check information including number and date issued. I do no have that slip and branch also destroys such slips after 60 days. 

I called customer service. How ever they do not have any more information beyond checking account statement. I could not get help. I should mention that bank do not give paper copy in addition to check. The paper copy that the bank keeps is to be destroyed. 

I have had lost another cashier check before 7 years with a bank in New York. I was abroad for more than 3 months. On return, I approached bank branch and check refund was deposited in to my account.
Consumer complaint received 2017-07-30
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)

NOT AUTHORIZE INQUIRY TRANSUNION XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XXXX, FL XXXX XXXX  XX/XX/XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2023-10-17
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. (GA)

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. 

Account Name : DEPT OF ED/XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2022-05-31
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. (GA)

n 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 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 These are the accounts that are in violation XXXX  XXXX # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX  # XXXX, XXXX  # XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

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 XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 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.