davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I called the Transunion after I purchased a credit report with XXXX  on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there were Accounts : XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX* on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts to BLOCK OR REMOVE it in my credit file. I attach a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Bank statement, drivers License, and my Social Security Number are all included in this complaint request. I want you to know that I am telling the truth and the Transunion not block the going with things recorded underneath which are noting mistakenly a result of extortion
Consumer complaint received 2022-05-24
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. (OH)

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation AND THE ACCOUNTS ARE NOT MINE! 
Account Number XXXX XXXX XXXX
Consumer complaint received 2022-05-24
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. (OH)

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation AND THE ACCOUNTS ARE NOT MINE! 
Account Number XXXX XXXX XXXX
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " Holding consumer reporting agencies accountable for their responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and Transunion are consumer reporting agencies and XXXX XXXX is the furnisher financial institution and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX is a financial institution by definition under title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX the financial institution and the Consumer reporting agencies XXXX, XXXX, and Transunion do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and Transunion, XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX NEVER informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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.

15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

15 U.S. Code 1681a ( 2 ) ( A ) ( i ) states XXXX XXXX, XXXX, XXXX, and Transunion are not maintaining reasonable procedures. I want my consumer report updated to paid as agreed.
Consumer complaint received 2022-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA (FL)

XXXX offers its customers to change the Credit Card design to a design of their choice. Since XX/XX/2022 I have submitted at least five designs based on my XXXX or XXXX XXXX to my XXXX account. All designs have been rejected. When I call, I am told that my design was " Abandonded '' and to choose another design. Today XX/XX/2022 I tried to input a new design and the Website said I was no longer eligible to change the design of my Card. I would like equal Freedom of Expression in my Card Choice design the same as any other customer.
Consumer complaint received 2021-11-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates Uses False dates on when account was originally opened to make it seem recent. This method is commonly know as a Re-Aged account for purposes Of collecting on an account that is actually outside the scope of XXXX years. Claiming an account was opened in XXXX trying to make it seem like a more recent account. When In fact the account was opened in XXXX.
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX 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 GEORGIA XXXX  XXXX XXXX GEORGIA XXXX XXXX XXXX GEORGIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX, These Companies 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 2022-05-24
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. (OH)

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation AND THE ACCOUNTS ARE NOT MINE! 
Account Number XXXX XXXX XXXX
Consumer complaint received 2024-03-09
Product: Credit reporting 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, 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 I t also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

i contacted Transunion for the removal of old outdated information I am writing to request the removal of certain addresses and work history from my credit report, as provided under the Fair Credit Reporting Act ( FCRA ) and specifically referenced in 15 U.S.C 1681c.

As per the information listed in my credit report, I have identified several addresses and old work history which are either outdated or no longer relevant to my current circumstances. 

Addresses : XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX, PA XXXX Employers : XXXX XXXX XXXX XXXX  The presence of these outdated addresses and phone numbers may potentially impact my privacy and confidentiality as protected under the FCRA. 
The following outdated addresses and phone numbers should be removed from my credit report : Addresses : XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX, PA XXXX Employers : XXXX XXXX XXXX XXXX I believe that the presence of these obsolete addresses and old jobs does not serve any legitimate purpose and may lead to potential confusion or unauthorized use. 
I kindly request that these outdated addresses and phone numbers be promptly removed from my credit report, and that any future consumer reports issued by your agency do not include this information. 
I appreciate your attention to this matter and the timely handling of my request. Please provide written confirmation once the requested removal has been completed. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud. 

Fraudulent inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX  account
Consumer complaint received 2022-05-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Business Factors (NV)

After I received medical care through XXXX XXXX  XXXX XXXX during a previous emergency room visit, through no fault of my own, provider did not submit bill to insurance company correctly or in a timely manner resulting in their claim being denied for timely filing. Provider then falsely turned debt over to collection agency, XXXX  XXXX XXXX, and both provider and collections agency still reporting debt on my credit report even after they have been notified that I am NOT financially responsible for the bill per the providers agreement with the insurance provider. Both provider and collections agency have been provided copies of claim status from insurance agency indicating I have zero responsibility for bill and yet refuse to remove from credit report. This has negatively impacted my credit and has cost me greatly in terms of loans and rates which I can not get due to their false and misleading reporting of the false debt.
Consumer complaint received 2022-05-24
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. (NV)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/XXXX, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts and inquiries listed below are still reporting on my Credit Reports and need to delete immediately : Experian : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX Bankruptcy Court Bankruptcy Reference XXXX XXXX XXXX Liability : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX A XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

they have locked me out of computer access and said I have not paid my bills. they still have not posted any payments to my account. I am trying to refinance my house and the equity line of credit in to one and they will not give me payoff and has caused be to pay for a extension for move time. I have one day left one my extension before I have to pay for another extension. the bank has asked for a pay off 7 time already since the XXXX of XXXX. they are charging me {$25.00} for the pay off. Is there a way I can charge them for my extension fees and all the stress they are putting me through? They have been nothing but trouble, to me since they took over me equity line of credit.
Consumer complaint received 2022-05-24
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: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

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 a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2022-05-24
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. (CA)

I have disputed this XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed however, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has already been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file. 

XXXX  XXXX
Consumer complaint received 2023-06-13
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. (KS)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-05-24
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. (CA)

I have disputed this XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed however, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has already been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file. 

XXXX XXXXXXXX
Consumer complaint received 2022-05-24
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: AmeriCollect (WI)

With these authorities/leasers, this account had no record that ever belonged to me. I have tried several times to contact them to ask for evidence of ownership, but they have not given me the requisite paperwork to show that I actually own this account.
Consumer complaint received 2019-11-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (VA)

Ally Auto Financing has had a repossession agent by the name of XXXX XXXX, call people from my social media accounts. XXXX XXXX called me through XXXX to tell me, XXXX XXXX, and a few others. XXXX acted as if she was a family member looking for me and was concerned. Others have said she told them I owed a debt and it was in serious stages of collections. WOW! 
These people were not listed on my reference sheet nor are they friends close enough to me to know my private business. I know that they have been calling these people from my social media accounts since I made the last payment, which is behind due to the XXXX XXXX which caused a loss of wages. My significant other and I have been in contact with other agents from the same department, excessively. However, XXXX XXXX, a new agent obviously, says she could not get us on the phone. This is a misunderstanding. We talk to everyone from Ally. Why she was unsuccessful is beyond me. She has brought embarrassment to me and has violated my privacy act. The Fair Credit Reporting Acts under articles within the 600 codes prevent any debt collector from privacy violations that were not  approved by me with my original signature during the initiation period of the agreement.
Consumer complaint received 2017-11-01
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Renton Collections Inc. (WA)

I got a phone call from this place and told them I would make a payment on the XXXX of XXXX. The lady who called me said that " I BETTER ANSWER MY PHONE WHEN SHE CALLS BACK FOR PAYMENT ''. I found this very threatening and made me feel uncomfortable. 
This phone call was on XXXX/XXXX/XXXX.