davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I have been a victim of identity theft and no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$2200.00}
Consumer complaint received 2023-03-01
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)

On XXXX XXXX XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXXXXXX data breach as well as XXXXXXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$19000.00} 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 2018-12-04
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)

Greetings, I have previously contacted XXXX, TransUnion, and XXXX   informing the company that I have been a victim of identity theft/fraud. XXXX, TransUnion, and XXXX  are deliberately violating the Fair Credit and Reporting Act section 605b, which states that if a person sends documents from federal or state departments of an identity theft report then the agency must block the information from the credit profile. With my numerous attempts to get XXXX, TransUnion, and XXXX  to follow the law, they clearly feel as though the law does not apply to them. 

Remove the Derogatory account and all inquiries Please and Thank you
Consumer complaint received 2023-06-13
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. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-10-13
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. (IL)

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Sections 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 : 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 causer to believe that the information is inaccurate.
Consumer complaint received 2022-02-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Central Portfolio Control Inc. (MN)

Central Portfolio Control has contacted me multiple times this year after I had reported them last year for calling me consistently. I have told them last year to no longer contact me because at the time they had a representative became hostile with me. Then this year they called me multiple times from different numbers. Their contact information is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Minnesota XXXX XXXX
Consumer complaint received 2023-02-06
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. (IL)

XXXX XXXX  did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are VIOLATION of my HIPPA rights. Experian did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. Additionally, I am allowed under the HIPAA law ( Health Insurance Probability and Accountability Act of XXXX ), to protect my privacy and medical records from third parties. Experian NEVER Validated the Debt and HIPPA Authorization.
Consumer complaint received 2022-02-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PLAZA HOME MORTGAGE, INC. (NC)

Plaza Mortgage XXXXXXXX XXXX, IL held my mortgage from XX/XX/XXXX until XX/XX/XXXX at which time they transferred or sold my loan to XXXX XXXX  XXXX XXXX XXXX of XXXX, Texas. On XX/XX/XXXX I sold my property and a payoff was sent to XXXX XXXX. The release of lien was recorded on XX/XX/XXXX in the County of XXXX, NC. 
Since then Plaza Morgage claims they transferred my loan in error and they have put my loan in collections and Loss Mitigation. 
I have been harassed by phone calls and collection notices. 
On XX/XX/XXXX I sent copies of the recorded lien release that were obtained from XXXX XXXX. 
I have written proof of transfer of loan and recorded lien release. 
When I called on XX/XX/XXXX Plaza Mortgage could not connect me with the correct department.
Consumer complaint received 2019-12-12
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. (FL)

Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days late on XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2016-04-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (NM)

Navient is my student loan servicer. They have not provided an explanation of why my interest payments vary so wildly from month to month. They do not provide monthly statements that allow you to track payments, and where your funds are applied.They do not provide a telephone number to speak with a representative with a reasonable wait time ( & lt ; 10 minutes ). They do not provide useful answers to my questions via emails. They do not let you show a record of the emails you have sent them, they just disappear and you have no proof of what you contacted them about.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

Over the past 12 months I have trying to get experience to change my address to my actual address I have submitted documents they said were acceptable via the online portal and I had also mailed them proof of my address such as my W2 my ID and bills along with pay stubs which were also acceptable documents I was told this problem is fixed however not only has my address not been updated and they continue to report inaccurate information they also have not updated my credit profile and almost 6 months which has been causing me a lot of trouble accessing credit amongst other things which has created problems for me because they can't verify my identity for me to have access for credit under the laws for consumer rights they're supposed to report accurate information they said this problem is fixed and they have yet to do so and as I have said they have not even updated my credit report but then almost 6 months therefore my credit ages false they don't even show all of my open accounts or my payment history because they've refused to update any information on my credit report not my personal address nor any of my open Credit accounts which I have done the right thing with always made my payment sometime and have done everything right to build my credit this has been holding me back and I have been trying to fix this for well over a year now and they still have not fixed this issue
Consumer complaint received 2023-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION (FL)

Had a secured credit card at Navy Federal. Went over secured credit limit. Remaining balance was decreased with the secured funds but the remainder sat for 9 months before I could handle the situation. The checking account was closed but the savings was still in use for the 9 months. Had transactions during this time. Two weeks ago I started back working wanted to take care of my debts. First check was basically absorbed by this process. Then I made another payment to the balance. With less than 400 left to pay it off the bank takes the remainder of my balance in my account and puts it in the negative. The bank says they have to put a hold on the account for the secured amount because the account still has a balance and if I want it lifted I have to pay off the remaining balance. During the last 9 months my account was open and being used. No hold. Now that I put a direct deposit in the account they put a hold on my funds without notice. They said they just took that secured payment in XXXX of 2022 but it was before that and like I said I have had random deposits go into that account. I want the hold lifted and any payments that was disrupted because of them set right.
Consumer complaint received 2024-02-22
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)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2023-06-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Services, Inc. (TN)

I consumer XXXX XXXX reviewed a copy of my credit report and understand that Collection Management Services is violating my rights by trying to collect an alleged debt that they are trying to defame my character by placing it on my credit report. You have every right to this alleged debt but I did not give you permission to have my personal information. I will not continue to allow my right as a consumer to be violated. Under 15 USC 1692, I have laws that protect me as a consumer. This company has violated these laws and I am demanding a remedy and deletion of this account. 15 usc 1692 a ( abusive practices 15 usc 1692b communication by post card 15 usc 1692 c communication 15 sc 1692d harrassment 15 usc 1692e false or misleading representations 15 usc 1692 f unfair practices
Consumer complaint received 2021-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (SC)

The report shows evictions that never happened in XXXX NC for Housing Authority. I was already being over charged at this place, discfiminated against, lost mkney orders when i knew i paid these people. Ive been denied housing several times here in SC due to false information reported on my tenant background. Ive made complaint after complaint about false information on my background. It shows... .US Treasury Department XXXX XXXX - XXXX & Blocked Persons..which could explain why when ordering things online everything is made in XXXX or XXXX, or when services are rendered at the hospital doctors that i didnt see are showing up on medical exams, or why foreigners are being on all my calls when calling out allmy calls are rerouted to foreigners or overseas, this explain why XXXX packages shipped to other peoples houses from me doesnt actually ship there it comes to my house with my name not theirs ... the orignial person thaf i was sending it to. This explains why all my devices brand new no matter what when making a purchase it shows me buying more than 2 devices or equipment at the time of purchase. This explains why one credit report shows XXXX XXXX XXXX with different information than XXXX XXXX or XXXX XXXX XXXX. All my credit reports shows falss informatiom such as addresses, phone numbers, medical bills, names i dont use, loans i didnt take out, phone bill accts not mine, etc. Im being attacked harmed brutally visioucly denied medical treatment for the false information linked to me and my kids XXXX and XXXX. Me and my kids are dealing with health issues that these doctors claim they canf find out whats wrong but really know... .im starting to believe. If you check evem with XXXX XXXX my social isnt linked to my own account. When trying to activate my debit card for my bank it said my phone number isnt linked to the card but the bank saids it is. I got an Experian Alert stating a change of address was made but when contacting USPS they said it wasnt. When calling to activate new XXXX Business Services ... customer service showed me ordering 4 devices with sprint and showed me calling in from phonw number XXXX. Please help me and my kids are innocent. I filed complaints with FCC someone reached out at said my phone service wasnt even with XXXX XXXX it showed XXXX and thats false. I know where i started up services. Im paranoid and mentally going insane sometimes feeling like death is my only way to get peace... nobody will help. Synthetic Fraud, Sim swapping fraud, bank fraud, drivers license fraud, etc is the key to me and my kids case.
Consumer complaint received 2023-01-14
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. (NC)

While checking my Equifax consumer report, I notice unauthorized and fraudulent credit inquires made by the following companies ... Block and remove all Inquires listed below resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c- ( 2 ) which states that these inquires must be removed within 4 Business Days of receipt. I have also mailed out a FTC report to Equifax. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-02-18
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. (TX)

I paid my insurance bill as scheduled to XXXX. and they sent my information to a creditor and the account was already paid. They refused to delete the account from my report even after disputing and sending in proof.
Consumer complaint received 2016-12-08
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

XXXX issued a consent to Disbursement of Funds to the Bank of American legal department on XX/XX/2016 at XXXX. All XXXX of our Bank Accounts with Bank of America are currently frozen. To date, Bank of America claims that they have not received anything from XXXX company, and to date, all XXXX of our Bank XXXX remain frozen. After speaking with the Agent for the Plaintiff, XXXX several times today, he faxed to me the signed XXXX order ( which was signed by my husband on XXXX XXXX, 2016 ) along with the confirmation that it was sent. For 7 days our account has been frozen. All of our paychecks, and other monies are unavailable to us, leaving us without money for food, gas, or the ability to provide for our XXXX for XXXX. Because of BOA 's refusal to resolve this matter in a timely fashion, it has cause undue hardship on my family and crippled us both financially and emotionally at a time when we should be celebrating this joyous holiday. We are unable to pay anything and have to borrow money just to keep our heads above water. Please help us resolve this issue. This is the second time BOA has frozen our accounts. The first time they had our accounts frozen for XXXX hours with no explanation or apology. Please help! We are in a dire situation.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX or XXXXXXXX XXXX approved me for an auto loan at a dealership. They showed up on my credit report as the loan was aporoved. 1 week after receiving the vehicle and loan and lease documents the bank began making weird phone calls to me After the Loan was approved about a fraud alert being associated with my credit profile. I asked them if my loan was already approved why would I have to remove a fraud alert so I removed it After I was approved. They then refused to acknowledge the removed alert and gave me a fake phone number to call to notify them them the alert was removed after being notified by phone in a different department. They then played phone tag with me harassing me and refusing to give me a real number and kept leaving a fake number in the voicemail. They were doing fraudulent practices by refusing to give me due process and recognize the fraud alert removal but kept asking me to call this fake number refusing to acknowledge the removal. It was credit discrimination and they did not want to complete the transaction so they kept directing me to a number that did not work. Photos of transcribed voicemail attached. My phone types the voice message while people talk and can prove this is what they have been doing.