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. (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 Account status Closed XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX  Auto Financing Companies XXXX XXXX XXXX Credit Bureaus XXXX XXXX XXXX XXXX Automobile Dealers XXXX XXXX XXXX XXXX Auto Financing Companies XXXX Finance Companies XXXX XXXX specific XXXX XXXX XXXX XXXX Auto Financing Companies XXXX XXXX Automobile Dealers XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing Companies XXXX XXXX XXXX  Credit Cards XXXX XXXX XXXX XXXX  Auto Financing Companies XXXX XXXX XXXX XXXX Bank Credit Cards XXXX XXXX XXXX Finance Companies - non specific XXXX Bank Credit Cards XXXX XXXX Auto Financing Companies XXXX XXXX Automobile Dealers XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Bank Credit Cards XXXX Bank Credit Cards XXXX XXXX XXXX Auto Financing Companies XXXX XXXX XXXX XXXX  Bank Credit Cards XXXX XXXX Auto Financing Companies XXXX XXXX Automobile Dealers , XXXX XXXX XXXXXXXX XXXX  Bank Credit Cards XXXX XXXX Bank Credit Cards XXXX XXXX XXXX XXXX Auto Financing Companies XXXX XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing Companies XXXX XXXX XXXX XXXX Auto Financing Companies XXXX XXXX Auto Financing Companies XXXX XXXX Bank Credit Cards XXXX XXXX XXXX Automobile Dealers , XXXX XXXX XXXX XXXX Automobile Dealers XXXX XXXX XXXX Bank Credit Cards US SM BUS ADMIN ODA Federal Government XXXX XXXX XXXX Auto Financing Companies XXXX XXXX Automobile Dealers, XXXX XXXX XXXX XXXXXXXX Automobile Dealers XXXX XXXX XXXX XXXX Bank Credit Cards XXXX XXXX XXXX XXXX  XXXX XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Automobile Dealers , Used XXXX XXXX XXXX  Bank Credit Cards XXXX XXXX Automobile Dealers XXXX XXXX XXXX XXXX XXXX XXXX Credit Unions XXXX XXXX XXXX Automobile Dealers , XXXX XXXX XXXX XXXX XXXX  All Banks - non specific XXXX XXXX XXXX XXXX Credit Unions 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 2022-04-20
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. (TN)

There is a collection agency that keeps reappearing. It is removed then reappears. To make matters worse, they harass me constantly, in violation of the Fair Credit Reporting Act. One time I picked up the second phone call in a couple hours and asked why he was calling so much. He said the FCRA allows him to call six times a day, if he wants. Thats false. Unfortunately, this particular agency is knowingly violating the FCRA and misstating the law in furtherance of that. I have letters, voicemails, calls, etc. Some from the same day. All this for a debt that was already removed. Surely, the bureaus do not support this blatant violation of the FCRA.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX XXXX, and I am taking the time to compose this message. It has come to my attention that there have been several counts open using my personal information fraudulently. The listed accounts in this document are not mine and should not be reflected in my report. According to 15 US Code section 1681-C-2, a consumer reporting agency shall block and remove the reporting of any information in the file of a consumer that the consumer identifies that this information resulted from alleged identity theft. I am demanding the removal of these accounts immediately. ADDITIONAL UNAUTHORIZED HARD INQUIRIES TO BE REMOVED : 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
Consumer complaint received 2022-04-20
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Jonathan Neil & Associates, Inc (CA)

HELLO Since XX/XX/XXXX I changed my company to follow you, an XXXX executive told me that at any time I wanted, I could change without problem and after a year and a half of being with them I decided to change, the policy payments were in automatic to my bank account. From those dates I changed my address and did not notify the XXXX of the change because I no longer had any dealings with them. Since that date I was covered by auto insurance with XXXX ( my new company ). 
A few days ago they told me about the previous address that had some letters and I went for them realizing that they already had me in a collection because I owed XXXX, ( I had not found out about all this until a few days ago ) I am not refusing to pay what that is owed but it is not fair that they send me to collection without first notifying me of my debt. I also do not understand why the XXXX, having direct payment to my bank, did not charge the month and a half supposedly due if the direct payments are canceled in XX/XX/XXXX, and I do not agree, it is unfair that they want to charge me for a coverage that I did not want nor was it necessary since since XXXX I left the XXXX I was with XXXX, this new car insurance company, they assured me that when acquiring the new policy between the insurers there is communication to know the changes and it is not necessary for me to be communicating to the XXXX this change. The XXXX were so aware that they sent my bank a notification of the change in auto insurance company. 

As you will realize, these people are acting fraudulently, because they have no reason to send me to a collection and harm my credit if I never fail with the payments, I only decided to change the company to suit my interests and it is completely legal. 

Tell me where I can send you the documents that support my argument. 

Thank you, XXXX XXXX remains at your service. ( I don't speak English so I used the XXXX translator )
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I asked Experian to verify the company received physical documentation I filed for bankruptcy and have a bankruptcy case from the state of New Jersey. Experian has not provided this documentation from the state of NJ requesting for Experian to report this information on my credit report. Instead, Experian responded by explaining they are currently reporting hearsay, per report number XXXX dated XX/XX/2022. 

Instead, Experian continues to be in direct violate the law consumer 's right to privacy, per 15 US Code 1681A 4.
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: EQUIFAX, INC. (NY)

In accordance to the with the fair credit reporting act XXXX The XXXX XXXX- the original creditor : XXXX XXXX XXXX - account number XXXX, XXXX XXXX XXXX  -the original creditor : XXXX XXXX- account number XXXX, XXXX-account number XXXX, XXXX- account number 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.
Consumer complaint received 2019-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

my transunion credit score was lowered by 46 points because of one hard inquiry by XXXX XXXX which I received their credit card. I was told 10 points at the most. 
I think this is a unfair score drop. Went through a bankruptcy over two years ago I have no debt all bills paid on time, all large purchases paid by cash. Trying to build my credit back for I can purchase a house. Unfair Ty
Consumer complaint received 2017-02-24
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: STERLING JEWELERS, INC. (VA)

I opened an account sometime last year, and I had to move all the way from XXXX to XXXX. Because of that I lost my job, obviously, and I 'm trying to find a new XXXX. I get calls from random out of state numbers sometimes every 5 minutes, and I get 30 a day. It 's impossible for me to find a job or keep my line open for employers to contact me or vice versa. I also get calls sometimes at XXXX.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.
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. (NY)

In accordance to the with the fair credit reporting act XXXX  The XXXX XXXX- the original creditor : XXXX XXXX XXXX - account number XXXX, XXXX XXXX XXXX -the original creditor : XXXX XXXX- account number XXXX, XXXX-account number XXXX, XXXX- account number 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.
Consumer complaint received 2015-09-02
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: SLM CORPORATION (ID)

I am a co-signer on my son 's private student loan. He is entering his senior year of college and just filled out the paperwork for his last loan through Sallie Mae. The prior two years the fixed interest rate XXXX with me as a co-signer ) was 6.25 %. This year, the interest rate has increased to 9.25 %. When I talked to a manager, she said that the prior XXXX loans on my credit history made the interest rate go up. I have a good income, little debt and feel like Sallie Mae is just taking advantage of the fact that they have a near captive audience and can therefore raise the interest rate by 3 %, even with a co-signer. My son is attending the University of California XXXX. He has another undergraduate degree, so does n't qualify for federal loans.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I recently moved to XXXX with family. During my travel here i misplaced a few of my personal items. My purse included i lost my sscard, dl, bank cards and more. I have pulled my credit recently and saw alot of information reporting that does not belong to me. i have listed all of the accounts that it would allow in this report, I will include the additional names, addresses and accounts that do not belong to me here below names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX addresses XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX accounts XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXXXXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX
Consumer complaint received 2022-03-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central Portfolio Control Inc. (MD)

CENTRAL PORTFOLIO CONT HAS REPORTED TO MY CREDIT THAT I OWE {$920.00} WHEN THIS DEBT WAS PAID TO ANOTHER COLLECTION AGENCY, XXXX XXXX XXXX 

Account number XXXX Collection opened XX/XX/2022 Account type Collection Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department. 
Balance {$920.00} CONTACT : CENTRAL PORTFOLIO CONT XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MNXXXX  ( XXXX ) XXXX
Consumer complaint received 2022-03-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (AZ)

I want to submit a complaint to you about the inaccurate customer service I have been receiving from AidvantageXXXX. The first complaint is I was told the Department of Education thru email dated XX/XX/XXXX that my student loans would be transfer to Aidvantage effect XX/XX/XXXX and I should receive a welcome letter. I never received a welcome letter and when I tried to contact them the representative could not locate my loans and advised to check back. On XX/XX/XXXX I checked Aidvantage website and had to request new password to login after I was advised that my username and password would remain the same. Second I have tried multiple times to use Aidvantage IVR system and each time it says it does not recognize my social security number or loan number. My third complaint is the customer service representatives are unable to provide me with my student loan information and if the loan types I have are eligible for the public service forgiveness plan. I was needing to find out how many payments have been made toward the XXXX required payment. In addition if my loans are in the correct payment plan and loan status to qualify for the public service loan forgiveness plan as I am a XXXX  employee in XXXX XXXX. I was told I would have to call XXXX XXXX XXXX to get that information. When I contact XXXX XXXX XXXX they advised that they could not access my loans to verify if they are in the correct loan status or confirm how many qualified payments I have made. I feel like I continue to receive the same run around with each representative.
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. (SC)

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 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.
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. (OR)

In accordance with the Fair Credit Reporting act XXXX  Account # ( XXXX ) XXXX Account # : XXXX Closed ; ( XXXX ) XXXX  XXXX XXXX Account XXXX : XXXX Closed ; ( XXXX ) XXXX  XXXX Account # : Date Reported : Condition : Credit Limit : XXXX Closed ; XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 account without my written instructions.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am writing to a file a complaint regarding charge-offs listed on my credit report. These charge offs should be removed from my credit report and any associated negative impact on my credit report. Code 15 USC 1681e ( b ) supports my reasoning. XXXX XXXX XXXX XXXXXXXX the account was closed on XX/XX/XXXX the debt is {$4000.00} and was charged off as a bad debt and canceled by credit grantor and sold, XXXX XXXX XXXX XXXX closed on XXXX XXXX charged off as a bad debt and canceled by credit grantor and sold, the debt is {$2500.00}, XXXX XXXX XXXX XXXX closed XX/XX/XXXX charged off as a bad debt Profit and loss write off the debt {$14000.00}, XXXX XXXX XXXX XXXX closed XX/XX/XXXX canceled by credit grantor, the debt is XXXX. I was not provided with a form 1099-C for the canceled debt, which is mandatory under IRS regulations . This further complicates the situation and highlights the need for a thorough investigation into the accuracy of the reported charge-offs. I am seeking the removal of the charge-offs and any associated negative impact on my credit score.
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: EQUIFAX, INC. (OH)

I have tried to resolve this inaccurate/incorrect information with all 3 Bureaus. None are compliant. I have disputed and a through investigation hasnt been done. In-fact all inaccuracies and errors have remained on my account. I have verified my identity and sent certified letters.

All 3 bureaus have violated my rights and broken several laws.

According to 15 U.S.C section 602 A states i have the right to privacy. As well as 15 U.S.C section 604 A Section 2, also states a consumer reporting agency can not furnish a account without my written consent.

15 U.S.C 1681c. ( a ) ( 5 ) Section also 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.

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 # XXXX has violated my rights. 

XXXX XXXX Account # XXXX has violated my rights. 

XXXX XXXX Account # XXXX has violated my rights. 

XXXX/Dept of ED Account XXXX XXXX has violated my rights. 

XXXX XXXX XXXX Account # XXXX has violated my rights. 

XXXX XXXX XXXX # XXXX has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

These accounts need to be deleted immediately from my credit reports.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion/XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance {$3500.00} XXXX XXXX  XXXX Balance {$4600.00} XXXX  XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX XXXX Inquired on XX/XX/202 XXXX XXXX XXXX XXXX XXXXXXXX Balance {$4600.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$3500.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX - XXXXXXXX XXXX XXXX Balance {$4600.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$3500.00}