davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-02
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. (FL)

XXXX XXXX XXXX violated my rights I sent a letter off on XX/XX/2022 my tracking number is XXXX. 
To remove personal information that I don't want on my credit report. According to the fair credit reporting at 12 USC 1681.| have the right to privacy. Also according to 15 USC 6802. No financial institution is supposed to share my information to third- party people. 15 USC 1681 section 602 A States I have the right to privacy 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not report an account without my written instruction. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2020-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

" I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING OF INFORMATION I BELIEVE IS DUE TO IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT TO BE.I HAVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION.I HAVE NEVER TO MY RECOLLECTION RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED CAUSATIVE POSSIBILITIES OF MISINFORMATION. PLEASE PHYSICALLY VERIFY THE VALIDITY OF ANY AND ALL NOTATIONS, EVERY DATE, THE BALANCES AND CALCULATIONS, EACH ACCOUNTING RECORD, WHETHER REPORTED OR NOT TO INCLUDE REQUIRED METRO2 426-CHARACTER P6 STATEMENT,5 PART PERSONAL IDENTIFIERS, AND ALL ALPHA, NUMERIC, AND/OR ALPHANUMERIC SOURCE CODES AND DELETE/ BLOCK PERMANENTLY THE REPORTING OF ANYI UNDERSTAND THAT NO ENTITY IS AUTHORIZED TO RETAIN REPORT TRANSFER SELL USE OR ELSEWISE ANY PHYSICALLY UNCONFIRMED DATA AND IVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION.IT CANT BE PROVEN IVE EVER RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED POSSIBILITIES OF MISREPORTING OR MISINFORMATION. PLEASE PHYSICALLY CERTIFY THE VALIDITY OF ANY AND ALL NOTATIONS, EVERY DATE, BALANCES, CALCULATIONS, AUDITS, AND EACH ACCOUNTING RECORD, WHETHER REPORTED OR NOT TO INCLUDE REQUIRED METRO2 426-CHARACTER P6 STATEMENT,5 PART PERSONAL IDENTIFIERS, AND ALL ALPHA, NUMERIC, AND/OR ALPHANUMERIC SOURCE CODES AND DELETE/ BLOCK PERMANENTLY
Consumer complaint received 2017-10-09
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Integrated Recovery Services (CA)

On both XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, XXXX XXXX from the XXXX XXXX XXXX XXXX left me a message that seem robotic saying to call them to verify my address in order to expedite my assets
Consumer complaint received 2022-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I submitted a dispute letter regarding inquiries with Equifax and received a letter that they deleted the inquiries but the inquiries are still reporting on my credit.
Consumer complaint received 2022-04-15
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. (GA)

Victim of Identity Theft due to vehicle larceny FTC # XXXX. 

Please be advised I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

I've provided ample evidence the negative information found in my file is incorrect due fraud. Each time I dispute these files are Re-aged with the XXXX reset to the current month. The worse part is the furnishers themselves constantly misspell my name, so how may one depend on a fair review if the details are incorrect from the companies entrusted to furnish. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts deleted immediately XXXX XXXXXXXX, Acct # XXXX XXXX XXXX XXXX XXXX, Acct # XXXX, ( duplicate account discovered XX/XX/XXXX ) XXXX provided a signature of an electric check mark as proof ) XXXX XXXX XXXX #  XXXX Account Balance ( actual amount XX/XX/XXXX {$260.00} and closed paid in full {$530.00} XX/XX/XXXX
Consumer complaint received 2017-06-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (GA)

I took out a personal student loan with Navient formerly  XXXX   XXXX . I have continuously made payment arrangements. Most of the payments were made. They keep calling me ALL day long. I do n't answer, then they call from another number. I have lost count of how many calls a day I receive. I get calls on Sunday and I know they are closed. I am sick and tired of all the harassment. I feel that I can not live a normal life because they are always ringing my cell phone. PLEASE HELP!
Consumer complaint received 2022-04-15
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. (GA)

Victim of Identity Theft due to vehicle larceny FTC # XXXX. 

Please be advised I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

I've provided ample evidence the negative information found in my file is incorrect due fraud. Each time I dispute these files are Re-aged with the XXXX reset to the current month. The worse part is the furnishers themselves constantly misspell my name, so how may one depend on a fair review if the details are incorrect from the companies entrusted to furnish. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts deleted immediately XXXX XXXXXXXX, Acct # XXXX XXXX XXXX XXXX XXXX, Acct # XXXX, ( duplicate account discovered XX/XX/XXXX ) XXXX provided a signature of an electric check mark as proof ) XXXX XXXX XXXX # XXXX Account Balance ( actual amount XX/XX/XXXX {$260.00} and closed paid in full {$530.00} XX/XX/XXXX
Consumer complaint received 2019-08-05
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. (CA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX, XXXX XXXX  XXXX and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2017-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MA)

I have an account with XXXX XXXX from XX/XX/XXXX. The loan has been paid in full but is still on my credit report and its XX/XX/XXXX. I will like for this account to be removed it has been paid and is over 8 years old and is a closed account.
Consumer complaint received 2022-06-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Systems International, Inc. (TX)

XXXX XXXX XXXX in XXXXXXXX XXXX is notorious for coming up with charges years after medical service ( my daughter has received bills XXXX years after she has been there and my husband just received notice he has a credit from XXXX years ago ). I have not been to this hospital since XX/XX/XXXX. They turned my balance over to Credit Systems International and a derogatory mark was made on my credit report on XX/XX/XXXX. I have not received any other bills from XXXX XXXX except for a worker 's compensation claim and that was taken care of. On XX/XX/XXXX I received a collection letter from Credit Systems International in the amount of {$71.00}, and I discovered another derogatory mark was made to my credit report on XX/XX/XXXX, XXXX days before I even received the collection letter. If my balance with XXXX XXXX was reported on my credit report in XXXX, and I haven't been to that XXXX since XX/XX/XXXX except for the worker 's comp claim last year, then how do I owe them anything? And how can a derogatory remark be made on my credit report days before I was even aware of the so-called charges?
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. (NJ)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2024-02-17
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. (PA)

I have not been able to satisfactorily have this matter resolved. I am being reported as being late on my XXXX XXXX XXXX account XXXX XXXX on the dates XX/XX/2022 and XXXX XXXX XXXX. These are errors as I was never late! Along with this I have discovered other inconsistencies on my credit reports. For example the Date Opened and the Date Last Active are completely different on the accounts. How can that be? I do understand my rights according to the FCRA and 15 U.S.C 1681e - Compliance Procedures- that at a very least all information reporting on my consumer report has to be 100 % accurate, verified and consistent. It is not. I have attached documentation.
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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

I believe I'm a victim of fraud for some reason I have XXXX hard inquiries In the last 12 months that were not done by me. I have reached out multiple time to these companies and never got.a.response back. For them to remove them.
Consumer complaint received 2022-04-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: REGIONS FINANCIAL CORPORATION (TX)

The banks website reads that one can open an account online and get a bonus of {$400.00}. 
There is a code to be applied. I tried to open the account but the system didn't allow me. Basically it is sort of false advertisement. 

I got a screen that reads to call l XXXX. 
I was asked many times if the bonus was offered in another website. 
I told the customer service rep that it was offered from Regions.com at https : //www.regions.com/promo/paid-media-page/switch-to-regions? XXXX Page Reads : Here 's how to earn a {$400.00} bonus : Open a new personal XXXX  checking account by XX/XX/2022. Get started by opening an account online with promo code XXXX, or register and present your personalized email voucher when you open your account at your local branch. * Enroll in Online Banking within 30 days of opening your account. 
Make {$1000.00} in total deposits that post to your account within 30 days of account opening. Deposits must be new to Regions. 
Your bonus will be deposited directly to your new checking account within 90 days of completing the above requirements.
Consumer complaint received 2019-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MN)

WHAT IS WRONG WITH THIS COMPANY EQUIFAX??? THEY KEEP PUTTING ADDRESSES ON MY CREDIT FILE THAT DOES NOT BELONG TO ME, NOR IS THERE A CREDITOR REPORTING THESE ADDRESSES!!! THEIR THE ONLY CREDIT REPORTING COMPANY THAT KEEPS PUTTING FALSE INFORMATION ON MY CREDIT FILE!!! 

I HAVE DISPUTED SENT ADDRESS VERIFICATION TO THIS COMPANY AND THEY CONTINUIOUSLY KEEP PUTTING WRONG INFORMATION ON MY CREDIT FILE. ITS A NO WONDER THEY ARE BEING SUED!!! THEIR SYSTEM IS HORRIBLE!!! THIS IS FREAKING RIDICULOUS!!!!!!!!!!!!!
Consumer complaint received 2022-12-19
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: Experian Information Solutions Inc. (TX)

I sent a letter asking XXXX, Experian, XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
According to the 15 USC181i- Experian XXXX XXXX have 30 days to investigate and send me the results. And they also didn't record the current status of the disputed information which is another violation. I have all the evidence attached.
Consumer complaint received 2022-04-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Lighthouse Acceptance Corporation (OR)

I have made a payment arrangement for catching up on two more payments and im consistently recieving harrassing phone calls from them saying i missed the arranged payment which i have not. They then decide to act like 5 year olds and make veiled threats about repossession. This is predatory and is driving me crazy.
Consumer complaint received 2022-04-15
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: U.S. BANCORP (VA)

USBank has been calling our number MULTIPLE times a day starting on XX/XX/XXXX, continuing through today so far. I've reported to FTC several times starting a few weeks ago, as some of the people are leaving messages for someone named " XXXX '' or " XXXX '' I've called three different people, along with the USBank 's main number shown on their web site, to let them know they're reaching the wrong number. Still they persist, and the person I spoke with who answered at the XXXX # for customer service ( XXXX ) insists that they're not calling our number, that " it must be scammers '' ), but the callers who've left messages sound like they're from collections or something like that.. The other reason I think it's collections is that every day the calls come at the same exact times ( just after noon, again around XXXX and then around XXXX XXXX. XXXX ). We've had our number for over a year now, and have never had other calls for the person they're trying to reach. Also, when we DO get telemarketing calls, there's at least a way to remove us from their list ; no option for that with these. US Bank is harassing us, with no reason, especially since we're not even a customer of theirs ( and never will be because of their tactics ). I don't know what they hope to accomplish by their calls as we know the number and will not answer. PLEASE DO SOMETHING TO STOP the calls.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SC)

I have submitted a complaint with you all regarding this company on the XXXX and today they have already updated my dispute. But i see they havent responded to yall about my complaint yet. They verified it as accurate. And still has not sent their method of verification Ive asked for over 45 days ago. They are reporting unverified accounts as accurate and wont show how they came to this conclusion.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I recently reviewed my consumer reports and noticed there was a closed account by the name of XXXX, the account has inaccuracies reported account is currently paid off and closed and has been affecting my credit negatively.
Consumer complaint received 2024-02-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC (MO)

On XX/XX/2023 Crosscountry Mortgage, Escrow office told me that we owe {$3100.00} to Escrow for the Home Owners Insurance payments to these two Companies, do to the fact that we changed Insurance Companies from XXXX XXXX to XXXX XXXX and back to XXXX, I had to cancel my pollicy with XXXX XXXX do too many fee increeses with in few days and went back to XXXX XXXX. When we received the Refunds from XXXX and XXXX XXXX, I called Escrow to verify The amount we were owing, i was told that the immediate payment needed was {$1400.00} somthing, we transfer from our bank directly to Crosscountry Escrow the refund money {$3.00}, XXXX that we received to cover all that we owed. Now we are short in Escrow Our monthly payment mortgage went up {$200.00} and they do not know what happened wit our {$3200.00} money! We need Help,
Consumer complaint received 2022-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I am in the process of trying to work on improving my credit credit and credit scores. I called Capital One at their customer service telephone number on XX/XX/XXXX at XXXX EST and spoke with a representative. I was trying to get a full list of my payment history from both credit card accounts. I was told that I could only be sent 15 statements of my payment history. I inquired on why such a large company would be only to send me the last 15 statements and not all the payment history. I then was told that she would have to speak with an internal person for assistance. She came back and gave me the same answer as only XXXX statements. I then asked for a supervisor and spoke with a team leader, who reiterated the same thing again. She insured me that I would get the payment history sent to me. I still have not received the statements either email or through the regular mail. I need to have proof of my payments made to my accounts and that information is not listed in the app or on my accounts. Please assist me with getting the payment history for the entire time on both of my credit card accounts. Thank you, XXXX XXXX
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

I have tried to pull my credit report and I am unable to pull it from Equifax. The company have locked my credit file and I can't apply for credit or get a home loan. I have reported it several times. The agents that are out of the country will not assist me properly and is discriminating against me because I am a victim of XXXX  XXXX. Today, XX/XX/2022 I spoke with XXXX and she refused to remove the credit security block. She told me that the creditors must call to request my credit file. The creditors told me for my home loan that it is illegal and they will not do it. Equifax have also refused to dispute any items on my credit file. 


I am a victim of XXXX XXXXXXXX. I am a victim of ID Theft. I was XXXX. I have disputed item on my credit report due to going through ID Theft. Equifax have removed inaccuracies from my report. The did removed the fraud alert from my credit file, and the freeze. But in retaliation they did a hard credit file lock on my file. I couldnt close on my mortgage or Refinance my car. The company said they creditors need to call them before pulling my credit file. In response the banks said they will not follow that procedure at all. They said they have many consumers and thats is a banking violation. I called Equifax and they told me that they can not remove the credit bureau lock. I worked with agents that were unprofessional and retaliated against me because XXXX XXXX, XXXX, and because of the things I disclosed to them about my life that led up to ID theft. The 3 agents in the Office of consumer affairs are : XXXX XXXX, XXXX XXXX, XXXX, and XXXX. Equifax have people in other countries working and they were not properly trained not to discriminate and treat US citizens properly. I am scheduled to hire an attorney to sue Equifax, for pain and suffering, discrimination and violating the FCRA. They do not care and the agents said its nothing they will do the problem has been escalated. One person name XXXX said it has been removed and when the mortgage company pulled my credit she said that was not true
Consumer complaint received 2022-06-01
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 XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX, XXXX Financial Account # XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, Bankruptcy Reference # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  XXXX Account XXXX 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 an account without my written instructions