davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-20
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. (GA)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX XXXX. 

Account # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # Reference # : XXXX / Public Records Bankruptcy Account # Reference # : XXXX Public Records Bankruptcy 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 2022-04-20
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Williams & Fudge, Inc (GA)

Williams and Fudge has repeated called and harassed myself, my family and my pace of employment in regards to an assumed debt in my name. I have repeatedly asked them not to call me or anyone associated with me in regards to this assumed debt. 
They have continued to disregard my request.
Consumer complaint received 2024-03-12
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. (TN)

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

15 USC 1681 a paragraph 2 subsection I. Transactions arent included in credit reporting.
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$1500.00} I provided experian with copies of my intent to vacate the property once the lease was up, pictures of the apartment, the fact that I did leave 22 days early but I had it approved by a lady in the front office, copies of the electricity, that I left on a few days past my vacating and they still won't remove it. this is just wrong.
Consumer complaint received 2022-04-20
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. (MD)

In accordance with the fair credit reporting act XXXX  account : XXXX XXXX with account number XXXX has violated my rights. 

15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (GA)

The bank marked our account as paid and closed, reported to all the credit bureaus as paid and closed sent us a XXXX credit card with a letter saying we overpaid the loan cancelled the gap insurance and sent us a check ( we have these put up ) now they have ruined our credit reports and say we owe late fees and interest. They have also sent us power of attorney forms wanting us to sign and send to them so can make changes to our title ( which by the way shows no lien against the title ) We have talked to two XXXX  that say do not sign anything and who also state that the company cant just reopen an account or report that to credit bureaus with out our signature.
Consumer complaint received 2023-10-20
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. (FL)

HARD INQUIRES POSTED ON XXXX AND XXXX AS STATED AND DATED BELOW 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 XX/XX/XXXX
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I'm reaching out with deep concern about two fraudulent XXXX XXXX accounts that have reappeared on my credit report, despite my previous efforts to have them removed due to identity theft. The details of these accounts are : XXXX XXXX Account Number : XXXX Balance : {$930.00} XXXX XXXX Account Number : XXXX Balance : {$460.00} Upon discovering these unauthorized accounts last year, I promptly disputed them with the credit bureaus and was under the impression they had been permanently removed. Their unexpected reappearance has severely impacted my credit standing and resurrected the XXXX  and stress of being a victim of identity theft.

The recurrence of this issue is immensely frustrating. As someone who values their financial health, it feels unjust to continually combat the effects of criminal actions that I had no part in.

I kindly request an immediate and thorough investigation into these accounts to ensure their permanent removal from my credit report. It is critical that my credit report accurately reflects my own financial behavior, and I rely on your agency to protect and uphold this right.

Thank you for your urgent attention to this matter. I hope we can swiftly rectify this situation to prevent any further disruptions to my financial well-being. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account Number : XXXX Please remove it from my credit report. 
3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence.

12 XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-04-20
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. (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. 

XXXX. XXXX XXXX Co Account # XXXX has violated my rights. 
XXXX. XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX. XXXX XXXX of XXXX Account # XXXX has violated my rights. 
XXXX. XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX. XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 
XXXX. XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 


15 U.S.C 1681 Section 602 A States I have a 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : that 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America has been collecting payments from me for months and today I visited a branch and the representative there told me my credit card account had been closed. I called the number on the back of the card, first talking to the credit card representative, next talking to the collections representative, then finally talking to a customer service representative. Neither of them could send me documentation in regards to them closing my account. I still receive statements for the credit card account and make payments on it. However, there is no documentation sent to me in regards to what status the account is in, how they are applying these payments, and how the account was closed in the first place. I asked how this account is being handled ( if it is in collections ) and nobody at Bank of America could answer that question. They should said to pay it or else. They did say the account was closed around XX/XX/XXXX of XXXX. I visited the branch on XX/XX/XXXX of XXXX, 6 months and I had no idea I was paying on a balance that was not tied to my credit card account.
Consumer complaint received 2022-04-20
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. (MD)

In accordance with the fair credit reporting act XXXX  account : XXXX with account number XXXX has violated my rights. 
15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-20
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. (DE)

In accordance with The Fair Credit reporting act XXXX  account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, XXXX, Account # XXXX XXXX @ XXXX XXXX original creditor XXXX XXXX, Account # XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX, Account # XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX original creditor XXXX XXXX, Account XXXX XXXX XXXX XXXX  original creditor XXXX, Account # XXXX XXXX XXXX original creditor XXXX, Account # XXXX XXXX  XXXX XXXX XXXX original creditor XXXX XXXX 

15 U.S.C 1681 section 602a States I had the right to privacy.

15 USC 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 2024-03-11
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)

I

n accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 0 2 states I have the right to privacy. And it also states under 15 USC 1681 section 604 a section 2 that a consumer reporitng agency can not furnish an account without my written instructions. Under 15 USCS 1666b, a creditor can not treat a payment on a credit card account under an open end consumer credit as late. They have violated my person 's rights and I intend to sue if they do not update and delete accounts in question.
Consumer complaint received 2017-09-05
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. (OR)

Experian has an incorrect name on my report & records. My name is XXXX XXXX with no middle initial. They have it on there as XXXX XXXX XXXX ( which may belong to another XXXX XXXX in town ), and is not mine.
Consumer complaint received 2022-07-12
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Caliber Home Loans, Inc. (CO)

I recently completed a VA partial claim loan modification with Caliber Home Loans after exiting COVID forbearance. During this process Caliber adamantly refused to allow me to make payments online, which led to the generation of several of my past complaints. Caliber retained an attorney, XXXX XXXX, after one of my complaints led to a Dept. of Justice facilitated mediation regarding ADA violations I had complained about previously. This mediation ended without either parties being able to come to an agreement. 
XXXX XXXX, Caliber 's attorney advised me to send any paperwork to her office, which I understood to mean payments as well. While my partial claim payment was being processed, I sent those payments to her office, this caused several delays in Caliber receiving those checks. As a term of the forbearance, Caliber did not report my account as delinquent, however now that the loan modification is done, they are now reporting my account as delinquent. 
The last check I sent, dated XX/XX/22, and delivered to XXXX 's office on XX/XX/22, was not processed in a timely manner by Caliber. I also asked XXXX XXXX via email if the check had been processed and never received a reply. Per my records, the check was deposited on XX/XX/22. Caliber reported my account as 30 days past due on XX/XX/22. This error is entirely the fault of Caliber Home Loans, I delivered the check to where I was told to deliver it to, it is outside of my control if it was not applied to my account in a timely manner. As of this writing Caliber states my account is only 11 days past due. I intend to make another payment as soon as I receive confirmation from Caliber and/or their attorney that I can resume making online payments.
Consumer complaint received 2021-10-18
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: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

I never had an account with this collector/creditor. I tried to contact them several times and ask for proof of ownership but they failed to send me necessary documentation to prove that I really own this account.
Consumer complaint received 2023-03-17
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: EQUIFAX, INC. (MI)

THE FOLLOWING INQURIES ARE UNAUTHORIZED -- -- -- - XXXX  ... XX/XX/XXXX XXXX ... XX/XX/XXXX XXXX XXXX ... XX/XX/XXXX XXXX XXXX XXXX ... XX/XX/XXXXXXXX XXXX ... XXXXXXXX XXXX ... XX/XX/XXXX XXXXXXXX XXXX ... XXXX XXXXXXXX XXXX ... XX/XX/XXXX XXXXXXXX XXXX XXXX ... XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XX/XX/XXXXXXXX XXXX ... XX/XX/XXXX XXXX ... XX/XX/XXXX
Consumer complaint received 2022-04-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.
Consumer complaint received 2022-04-20
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. (GA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXX  XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : 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 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.
Consumer complaint received 2022-04-20
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. (GA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX  XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : 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 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.
Consumer complaint received 2023-10-20
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: EQUIFAX, INC. (FL)

HARD INQUIRES POSTED ON XXXX AND EQUIFAX AS STATED AND DATED BELOW 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
Consumer complaint received 2023-10-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (TX)

About XX/XX/2023 I recieved a letter from XXXX XXXX XXXX who does not own the debt and they treaten to sue me if I dont pay off the debt owed from the bank. I responded asking them to send me proof that I owe the debt from them and gave them the proper 60 buisness days to send it. I never recieved proof and instead ( around early XX/XX/2023 ) I was issued serving papers. Well my lawyers did not inform me my representative left me and so when they rendered a default judgement on XX/XX/2023 the one representing my case bungled it and then XXXX refused to take our calls. Finally they did on XX/XX/2023 and said the interest was growing and they were not interested in a deal.
Consumer complaint received 2022-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BMO Bank, N.A. (WI)

I try to send money with my credit card and someone told me not to send money. It is fraud or scam. I had a fight with the BMO bank XXXX.
Consumer complaint received 2022-04-20
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: EQUIFAX, INC. (PA)

EQUIFAX AND XXXX VIOLATING 15 US 1681b -PERMISSABLE PURPOSE ALSO VILAOTING 15 USC 1681j 15 USC 1682 Congressional findings furnishing inquires thats not attached or belong on my credit profile
Consumer complaint received 2022-12-21
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: EQUIFAX, INC. (IL)

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 




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