davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-26
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There IS ONE ACCOUNT reported late AND IT IS INACCURATE
Consumer complaint received 2022-10-13
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 — Problem with personal statement of dispute
Company: National Credit Systems,Inc. (NC)

To whom it may concern, My daughter had to have XXXX XXXX XXXXXX/XX/XXXX at the time we lived at XXXX XXXXXXXX XXXX I was " Co Applicant ''. I knew at the time we moved in XX/XX/2017 that we would be moving or relocating to lower level or moving entirely and only be there no more then 6 month 's also knowing the Applicant was staying in the apartment anyway after I left. 
My daughter could not XXXX  XXXX XXXX XXXX XXXX XXXX the office knew this at the time of move in this was coming. 
XXXX XXXX is a friend of mine and he knows my daughter went through this as well. 
I have sent certified letter to all 3 Bureaus with proof and have made several attempts to get this off my credit report and disputes as well, with this still not resolved. 
I have sent as proof and email giving my 30 day notice, proof of my daughters XXXX, time and date etc. 
I need this off my report, my daughter is now XXXX will be going to college and I am a single mother hoping to send her to college by knowing I will have to take a loan out for that expense. 
please help me resolve this or at least direction. 

Best regards, XXXX XXXX XXXX
Consumer complaint received 2017-07-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have sent TransUnion Multiple requests for Debt Validation letters and have submitted multiple online disputes. I am requesting per my legal rights the following information identifying the original creditor copy of the original contract with a wet signature and or electronic signature a copy of the contract between them and the original creditor proof of license or bonded complete transaction history proof within statute of limitations have you filed a judgment on these debts insurance claims amount of debt account number date debt became payable first date of delinquency amount collector paid for the debt This is in regards to the Account Numbered XXXX they are reporting on my credit report in the amount of {$3500.00} They have violated my rights each time i have requested this information by simply not complying with my legal request
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: EQUIFAX, INC. (NV)

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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX # XXXX, US DEPT ED # XXXX, US DEPT ED # XXXX 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 2024-03-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OR)

It seems to appear there is a conspiracy, where XXXX parties or more are acting together to restrict, repress, inhibit or any way deprive any rights, benefits or privileges that would ordinarily be offered to parties of affiant. This also includes racketeering. 

These agencies of reporting and the agencies offering credits by which should never be in position to deprive, only provide access to such rights. 

How are these agencies in such capacity to act as if they are providing any value, hence able to restrict access to obligation of securities in affiants name. 

Meanwhile, affiants credit report shows XXXX soft inquires from a subsidiary of XXXX. 

This means these agencies have hijacked an instrument belonging to Affinat, deprive its usage to the owner, file taxes regarding debt cancellation as well as issue certificates of indebtedness ( income ) yet affiant is left to wonder where said income has traveled to. 

The one asking questions here is affiant, yet, the agencies attempt to behave as if they have some authority to enforce laws which they themselves violate, a sort of paradoxical conflict based on these experiences and statistical reporting on matters resolved from reorienting agencies, only 2 % resolutions have satisfactory outcomes. 

Quite concerning, its a wonder how the CFPB was enacted from all of this, after all, there was the single stipulation that a single director XXXX XXXX was a constitutional violation, yet this was still allowed dispute discrepancies. 

This entire trading with the enemy act is in full force, not sure whose even on my side, its as if an attorney for defendant client relationship, where the attorney is officer for the court, not even interest much in client.

I may be XXXX, but I am less XXXX, and this matter and my seeking resolution, followed by near non-response to the concerns with inadequate due process and unknowingly, unwittingly, being XXXX pursuant to privacy laws not being adhered to, the fairness of credit is without a doubt unjust, unfair, and criminal because of the harmful damages alongside the parties abuse of authority on top of the incentive for poor credit tedering higher APR, necessitate numerous agencies offshoots like XXXX XXXX XXXX XXXX XXXX and others denial due process, disrespect, encroachment, defacing, incorporating victims into the federal zone and its jurisdiction, just a huge reckless endangerment and oppressing government.
Consumer complaint received 2017-07-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE (NY)

As a qualified entrant in the XXXX Western Union {$1.00} Million Giveaway, I am complaining about : 1. The issue of non-payment of the grand prize to the reported winner, XXXX XXXX by Western Union based on attached documentation.
2. The issue of non-receipt of grand prize by reported winner, XXXX XXXX, from Western Union.
3.The issue of non-selection of alternate winner to receive grand prize by Western Union .
I am therefore requesting Western Union to resolve my complaint by providing documentation regarding the award of the prize of the XXXX Western Union in a similar manner like the announcement Western Union made on XX/XX/XXXX regarding a similar sweepstakes namely " Win a Mother 's Day 's Dream '' sweepstakes which I have attached as part of my complaint. I am also requesting Western Union to select me as an alternate winner since I was a qualified entrant in the event further action is warranted.
The name of the reported winner of the XXXX Western Union Sweepstakes, XXXX XXXX appears to be fictitious as shown by the attached documentation sent to me by Western Union. The city and state of XXXX XXXX was not reported. In fact, no indication XXXX XXXX was awarded the grand prize.
Consumer complaint received 2022-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (TX)

Across XXXX accounts, there are XXXX late payments on each account for a total of XXXX late payments being reported on my credit report which are incorrect. The first was reported in XXXX of XXXX and the last was reported in XXXX of XXXX. Since my loan repayment began back in early XXXX, Ive had my account set to automatic payments to avoid any confusion or missed payments. Yet, here I am. Suffering the consequences of reporting that I would call unjust and inaccurate. Despite my many efforts to get in contact with XXXX ( my original loan servicer ) for answers and to try and rectify these errors, I was never given any reason or even any communication in response to my many certified letters. My countless disputes with the credit reporting agencies concerning the incorrect information have continuously been overlooked and all communicative efforts abandoned on their end. I have asked many times via certified letters for the error to be rectified or the account removed completely. I am not sure what else I can do, as these errors have cost me tens of thousands over the years and continue to leave restrictions on my life and financial well-being. It has made it difficult to obtain various types of credit as well as favorable interest rates. And, while I do not think its an accurate portrayal of my credit worthiness or ability to pay my debts, I am unsure of what I can do to rectify this situation. I am here asking for help with removing these late payments so that I can resume my life without the burdens associated to their negative repercussions. If the late payments can not be rectified, I at the very least ask that the accounts be removed from my credit report entirely.
Consumer complaint received 2022-05-30
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2022-12-17
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. (VA)

On the dates listed below i received hard inquiries on my Credit profile that i do not recognize and are fraudulent. I have a closed XXXX XXXX account that needs to be removed from my credit profile because it violates my right to privacy. 

XX/XX/2022 XXXX, XXXX/XXXX/2022 XXXX XXXX/XXXX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX//2022 XXXX XXXX  XX/XX/2022 XXXX, XXXX/XXXX/2022 XXXXXXXX XXXX  XXXX/XXXX/2022 XXXX, XX/XX/2022 XXXX, XX/XX/2022 XXXX XX/XX/2022 XXXX, XX/XX//2022 Bussiness
Consumer complaint received 2021-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Hello, Ive been battling over XXXX trying to open an account up and its constantly says due to consumer reporting agency we can not open an open at this time. Ive tried reaching out many times to find out what is stopping me was told nothing but til this day I cant even open up an account. Can I please get some assistance with this. 

Thank youll, XXXX XXXX
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 2022-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NCB Management Services Inc. (GA)

I have spoken to the original account holder back in XXXX and they advised that me that I didn't posses the correct information to verify the account. They then advised that they had closed the account due to fraud. I was then referred to NCB Management services in XXXX and the gentleman I spoke with advised me that he would come to my home and get the money owed personally. I then advised him not to contact me anymore and that I would report him to my local police department if the harassment continues. From there I filed a complaint with the FTC to have the account removed from my credit file. Now they are starting to contact and report to my file once again.
Consumer complaint received 2023-06-23
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. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX  XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX Balance : {$370.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$360.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$370.00}.
Consumer complaint received 2017-09-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Enterprise Systems, Inc. (ME)

Called twice this week, from National Enterprise Systems, a debt collection company, and a computer generated voice directed me to to call back at the phone number XXXX XXXX. 

Same company called next day, but a different phone number and extension was given XXXX XXXX. 

I do not have any outstanding debt. I have not responded to the phone calls. This is a computer generated voicemail, and I consider these calls harassing in nature.
Consumer complaint received 2022-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

I have reached out to XXXX, Experian, and XXXX regarding the inaccurate information on my reports and the tell me the accounts have been verified without providing any information as to how it was verified. 

I have explained to all three credit reporting agencies that this is a violation of the Family Educational Privacy Act of 1974 in which they would not share my information with any third party affiliates. That is also a violation of the Privacy Act of 1974, 15 USC 1681s-3 It is also Illegal to report transaction history
Consumer complaint received 2021-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NJ)

On XX/XX/2021 I utilized my credit card to make a purchase of {$870.00}. I then scheduled a payment to cover the cost of the item purchased to avoid interest charges being incurred. Upon reviewing my monthly statement I noticed my payment was applied to a balance transfer due to expire in XX/XX/2021. When reaching out to my creditor, Citibank, I was informed that although payments are applied to promotional balances due to expire, because the payment was already applied towards the balance transfer, they are unable to re allocate it. I am now expected to either repay for the item to avoid paying interest in the month of XXXX, or pay interest on an item which has already been paid for! The refusal by the creditor to rectify the error and subject the consumer to fees on an item already paid for is outright deceptive.
Consumer complaint received 2019-03-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Experian and XXXX are reporting incorrectly a late payment for XX/XX/2019 on the XXXX - partial account number XXXX ( please see page 4 of the attached credit report. ) We were going to try to start automatic bill pay however the first time we tried to use the bill pay the payment didnt take go through that first month so we went back to manually paying this bill. I thought for sure that the original payment would have gone through in time however it did not. We got worried and paid it again. By this time it was too late and we were reported late in XX/XX/2019. This inaccurate reporting is harming my credit score.
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2022-05-30
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....
Consumer complaint received 2021-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

They are negatively affected my credit score by false reporting. They dropped my credit limit without my knowledge and proceeded to process a payment late. I went into the store where they dont do cash bill pay and I went online they reported my account later. They are impacting and reporting my scores in an in fair, and derogatory manner!
Consumer complaint received 2022-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

I have reached out to XXXX, XXXX, and Equifax regarding the inaccurate information on my reports and the tell me the accounts have been verified without providing any information as to how it was verified. 

I have explained to all three credit reporting agencies that this is a violation of the Family Educational Privacy Act of 1974 in which they would not share my information with any third party affiliates. That is also a violation of the Privacy Act of 1974, 15 USC 1681s-3 It is also Illegal to report transaction history
Consumer complaint received 2022-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (MI)

This is an ongoing problem in which complaints have already been made, the last complaint was made to the Michigan Authorities. On XX/XX/2022, in response to the Michigan complaint, I got a letter from a XXXX XXXX ( XXXX ) who tells me to call him ... when I do call him, he knows nothing about how to fix the problem and refers me to others, who, in turn, start referring me to others, no one of which has a clue as to what to do, This is an incredibly poorly managed company!! 

I am supposed to be getting a court ordered monitoring of my credit, but am not getting it, The problem., other than the poor management, seems to be that I have more than one account ... which is resulting in difficulties logging in when messaged to check a potential problem.