davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-20
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. (GA)

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-05-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (VA)

I was banking with BB & T prior to the merge with Truist. I would get overdraft fees when there were no transactions to warrant such fees. My account closed in XXXX. A deposit was received and they the bank didnt refund me any money and stated that I owed and they would keep the deposit even though the money went to a closed account. XXXX reports closed paid account. In today I received a notice to my email that I received a overdraft fee but I was confused because I have no open account with Truist. So I used my old Login to see what was going on. Truist opened a account without my knowledge. My account closed 3 months ago and was reported to XXXX. Truist fraudulently opened an account with fake deposit information making it seem like I overdrawn my account and are charging fees on this account. I have not had any contact with Truist since the closing of my account back in XXXX. This is a business account. I have also notice that Truist will make your balance disappear and charge you overdrafts for ghost transactions that doesnt even exist.
Consumer complaint received 2022-04-12
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: LEXISNEXIS (GA)

Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here..

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2015-04-21
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: TD BANK US HOLDING COMPANY (NE)

XXXX XXXX XXXX ( XXXX XXXX ) Took an account that was charged of in XX/XX/XXXX and re-aged the account to XXXX when I called them to inquire as to what the account was for. My understanding is this is illegal.
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

Experian a third party consumer agency continues to infringe upon my right to privacy. I have demanded every old address as well as any addresses not linked to me be removed from my consumer report. Experian has once again denied this demand and sent yet another generic message to my email stating they can not fulfill this request. They continue to deny me my right as a living breathing person. They have assumed a role and have a duty to make sure that each consumers report is accurate. I have stated several times that the information is indeed inaccurate.
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. (TX)

Notice of pending litigation seeking relief & Monetary Compensation under FCRA 15 US CODE 1681n Civil liability for willful Noncompliance. due to the FAMILY PRIVACY ACT OF 1974, ( FERPA or the Buckley Amendment ) is a United States federal law that governs the access to educational information and records by public entities such as potential employers, publicly funded educational institutions, and foreign governments.THIS IS A DIRECT VILOATION OF MY RIGHTS. {$5000.00} RELIEF FROM EACH REPORTING AGENCY
Consumer complaint received 2022-05-20
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. (IN)

remove late payments, payments never late XXXX/XXXX/XXXX  Potentially negative Date opened XX/XX/XXXX XXXX - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$9000.00} Status Open. {$580.00} past due as of XXXX XXXX. 
XXXX  XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1200.00} Status Open. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$1700.00} Status Open. {$570.00} past due VCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX  XXXX, IN XXXX Resident type Single family XXXX XXXX XXXX XXXX  XXXX , IN XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX  XXXX, IN XXXX XXXX type Apartment complex
Consumer complaint received 2019-09-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: MoneyLion Inc. (CA)

I opened an account with different options for this financial service ; 1. the deduct Money monthly and distribute it to different funds based on my risk election 2. The lend money through small installment loans that were first of all not to suppossed to be attached to credit On the 2nd option I paid off my first loan no problem, the 2nd time around they stopped taking my payments however they were taking them just not accounting fro them and one day they closed my account, they continue to take money out of my account and I can not put a stop to it, nobody answers their phone and this is becoming a nightmare that is now affecting my credit and they continue to take money from me ...
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting Act, Experian has violated my rights. 15 U.S.C. 1681 Section 602 A : states that I have the right to privacy. 15 U.S.C. 1681 Section 604 A, Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. I sent various demand letters to Experian ( XX/XX/XXXX, XX/XX/XXXX to name a few ), via USPS certified mail. Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code section 1681g, for the credit bureaus to send physical documentation of the files reported on my credit report, as of the date ( s ) of the letters, they used to verify the accuracy of the accounts listed. In accordance with FCRA 15 U.S.C. Section 1681 ( i ), I requested that all unverified accounts be deleted promptly. In accordance with 15 U.S.C. Section 1681 ( i ), Section 611 ( a ) ( 8 ). My rights have been violated. 

Experian REFUSED to conduct an investigation relating to account listed by " XXXX XXXX XXXX XXXX '' " XXXX XXXX XXXX XXXX' and an account listed as " XXXX  ''. The XXXX  and XXXX XXXX XXXX  account was deleted from the credit report in XX/XX/XXXX, due to identity theft and then reappeared on the Experian credit report in XX/XX/XXXX XXXX of XXXX. Experian FAILED to provide any notice ( the FCRA states they are to inform me within 5 days of the reinsertion which they failed to notify me at all ), concerning the reinsertion of the account. 

Experian FAILED : 15 U.S. Code 1681i ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Experian FAILED : 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ). 

All of the accounts that I am reaching out about have absolutely no payment history, line of credit information, etc. Experian has a responsibility to accurately report full and complete records of the accounts that they are reporting on a consumer 's credit report. 

Experian further violated my rights by REFUSING to forward physical documentation in accordance to the Fair Credit Reporting Act, by refusing to verify the validity AND accuracy of the accounts they were reporting for both XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, and " XXXX  ''.
Consumer complaint received 2023-06-29
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)

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 Account number : XXXX Account name : XXXX XXXX, XXXX. 
Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number XXXX XXXX Account name : XXXX XXXX Account number XXXX XXXX Account name : XXXX XXXX Account number : 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 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 2022-05-20
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)

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. 

XXXX XXXX XXXX. 
CREDITOR : XXXX XXXX XXXX DATE ASSIGNED : XXXXXXXX XXXX AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC (AZ)

I disputed incorrect information on my Early Warning report, requested a full investigation and a deletion of the incorrect accounts but did not receive any. Although I provided all the necessary information required by law on my part. 

Under Section 611 of the FCRA, consumers have the right when it comes to disputing items on their Early Warning reports. Section 611 is often referred to as the " Reinvestigation of Disputed Information '' section.

In accordance with the Fair Credit Reporting Act The XXXX XXXX  XXXX # : XXXX / XXXX account has violated my rights. 15 U.S. Code 1681c2 - Block of information resulting from identity theft. ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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.

15 U.S. Code 1681 section 602 A. States I have the right to privacy. 15 U.S. Code 1681 Section 604 A. section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. If Early Warning can provide any exceptions to this section of the law then they shall provide me with a clear reasoning. I request color copies of my Identification including my Social Security Card used to open this account. If Early Warning can not satisfy any of these requests or follow any of these consumer laws, then these incorrect items must be deleted and blocked from my file.
Consumer complaint received 2023-10-01
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. (TX)

In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX XXXXXXXX ACCOUNT XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2016-03-13
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (AZ)

I have given the authority make these inquiries Please have them delete these from my Experian credit report Thank you very much Alert Type New Inquiry Processed Date XXXX/XXXX/2015 Creditor Type Complete Department Stores Alert Date XXXX Creditor Name XXXX Processed Date XXXX/XXXX/2015 Creditor Type Bank Credit Cards Alert Date XXXX Creditor Name XXXX Processed Date XXXX/XXXX/2015 Creditor Type Bank Credit Cards Alert Date XXXX Creditor Name XXXX
Consumer complaint received 2022-05-20
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. (NC)

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 XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX A Account XXXX : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXhas 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.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

I have over a year i have been disputing these accounts on my credit profile. 

US Department of Education XXXX XXXX Department of Education XXXX XXXX Department of Education XXXX XXXX Department of Education XXXX XXXX Department of Education XXXX XXXX Department of Education XXXX XXXX Department of Education XXXX XXXX Department of Education XXXX they are reporting incorrectly which is hindering me from the proper use of my credit.
Consumer complaint received 2022-05-20
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. (FL)

I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still that inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Incorrect Names : XXXX, XXXX, XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Inquiry XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-20
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. (AL)

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 XXXX - XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX  Bankruptcy XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish a account without written consent.
Consumer complaint received 2022-05-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

XXXX sponsored another company called XXXX. I was told that if I fill out their promos Id be giving credit for doing so. I spent over $ 100+ and am being told they didnt track the fact that I did the promo. Now I am out of money and they are claiming they cant help. Wells Fargo is also saying they cant help despite the fact I was told one thing and the company did something else which should be considered deceit and/or misleading me I wouldnt have done the promo if they didnt offer a reward for doing so which is grounds for a chargeback I didnt receive the service I was told Id get. They also declined my claim. Hopefully others dont bank with them as they try their best not to help you.
Consumer complaint received 2022-05-20
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)

In accordance with the Fair Credit Reporting act, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX 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 a account without my written instructions
Consumer complaint received 2023-07-29
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: Source Receivables Management LLC (FL)

This company has not provided any information to me relating to the debt, I don't believe this is my debt I've already filed a dispute with all 3 reporting agencies, this debt does not belong to me I'm in no contract or debt with these companies and they are reporting it even after I have disputedit ... ..pleaseremove from my credit
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 — Reporting company used your report improperly
Company: CAVALRY INVESTMENTS, LLC (TX)

In accordance with the Fair Credit Reporting Act, CAVALRY PORTFOLIO SERVICES

has violated my rights. 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604 ( a ) section 2 also states, a consumer reporting agency can not furnish a account without my written instructions. 17 CFR 240.14c-6 False or misleading statements. No information statements shell contain any statement which, at the time and In the light of the circumstance under which it is made, is false or misleading with respect to any material fact, or which omits to state any material fact necessary in order to make the statements therein not false or misleading or necessary to correct any statements in any earlier communication with respect to the same meeting or subject matter which has become false or misleading.