davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-20
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. (RI)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-04-17
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. (UT)

credit bureaus are siding with a corrupted fraudulent Bank, XXXX XXXX. I had a car loan that was paid on time, 60 payments. Monthly. XXXX XXXX reports car loans as well as boat loans as well as mortgages as " charge offs '' so that as a huge Corporation they would pay less taxes. And you are siding with them too. It is illegal to lie about how a car loan was paid. My var loan was never 120 days late. I was even sent a refund check of {$1600.00} in XX/XX/2020 because I overpaid the car loan and overpaid for fees I was not supposed to be charged for. I have a letter that proves that. I have payment history print outs too. They have nothing. And if they have anything it is altered. Again this is a bank that is on the news almost every week and has been for over 15 years at least. Corrupted. Liars. Fraudulent. And CFPB apparently does nothing about it. Hideous.
Consumer complaint received 2021-04-17
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. (CA)

I do not feel I am getting a fair investigation by Experian to address my concerns. I keep contacting them so that they can review the concerns I have with the reporting of the information on my credit report. 

I have asked them to provide me with documentation they are using to verify this information they are reporting. I have sent them such a request on XX/XX/21 and to date I have not received the information required by law. 

I will be filing a complaint with my state attorney general and seeking legal action if they do not provide this legally required information they claim they have for reporting this error.
Consumer complaint received 2021-04-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (NH)

Wells Fargo pulled a bait and switch with the mortgage process. They agreed to be an approved lender for a condo project. Obviously this required them to review all the necessary documentation regarding the condo and its HOA including insurance. 

After taking my {$560.00} and wasting 4 months of my time, they " decided '' that they no longer approved of the condo project. I was left without my initial fee, scrambling for a new mortgage lender, and finding interest rates increased. 

They tried to appease me with a measly {$200.00} ; not even half my initial deposit. I am sure that this action is a scheme to defraud applicants of their money and I do not want their predatory actions to fool anyone else.
Consumer complaint received 2021-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (CA)

Comenity Workers Your previously sent letters of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX requesting additional information that your are in need of, has already been provided many times, online and telephone calls. Though you received your desired information, your further researching of the concerns gets no where, just with asking for the same stuff, which only the same additional information can be provided. Your research gets no where, you are happy to refuse the return of the funds. Also, you offer no fax numbers or e-mail addresses to provide the repeat additional information to you, besides the postal mails and your online, which has been unable to contact to the department Again, here are the same additional information that you desire. 

XXXX XXXX connected me with XXXX XXXX XXXX mentioned previously. 
This company supposedly provided repairs to homes as warranty. 
When using its services, requested claims, they would not respond. 
Tried reaching them through e-mails and telephone calls with no responses. Then, contacted them to cancel as they were not providing their services. Unable to cancel as they wont respond. 
XX/XX/XXXX called with e-mails. 

XX/XX/XXXX {$2200.00} XXXX falsely advertising coverage services which none were ever provided. Contacted through e-mails and calls many times. XXXX Worker XXXX did not call as mentioned. No other XXXX workers ever returned calls or heard from as arranged. XX/XX/XXXX requested cancellations for return of the funds. Comenity has not provided any assistance with this, delayed 2 years now XXXX Any more repeat information, you may contact me through e-mail that you have on file or fax. No postal mails XXXX card
Consumer complaint received 2023-02-20
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. (AR)

When I checked my credit record, I discovered a lot of billing problems. Under the U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the accounts I found to be reporting erroneous information on my Credit File : XXXX XXXX Balance Owed : {$380.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX  XXXX Balance XXXX : {$6800.00} XXXX XXXX  XXXX Balance Owed XXXX {$10000.00}. In addition please provide evidence that the following items belong on my report and that my rights have not been abrogated. In the event that no record exists, please correct the inaccurate items information as quickly as possible.
Consumer complaint received 2022-01-31
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: SYNCHRONY FINANCIAL (IL)

It has come to my attention that Synchrony Bank has been using my consumer report incorrectly. They have violated the FDCPA. They have communicated to several consumer reporting agencies such as XXXX, XXXX, and XXXX without my written consent. They have also reported my balance to these consumer reporting agencies which has negatively impacted my credit score. This unfair reporting is making me look like a risky and unreliable consumer. I am trying to buy home within the next few months and having a low credit score will make it difficult for me. I first made Synchrony Bank aware of how they violated 15 U.S.C 1692c ( b ) and along with other federal codes on XX/XX/XXXX. I sent off labeled exhibits and an affidavit via certified mail and green return receipt. Secondly, I sent off these same exhibits along with other documents which included an invoice via certified mail and green return receipt on XX/XX/XXXX. Within the other documents included a cease and desist. In that cease and desist I made them aware of how they did not have my written consent to communicate with any third parties and I demanded for them to do other things
Consumer complaint received 2022-01-31
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. (CA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting inquiries as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable inquiries : XXXX OF XXXX XX/XX/XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXXXXXX AUTO FIN XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  FIN XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-10-31
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$25000.00} XXXX XXXXXXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TRANSUNION is reporting an account with XXXX XXXX on my credit report and I have never transacted any business with XXXX XXXX. This account was previously blocked from my credit report by TRANSUNION due to identity theft about the dates of XXXX XXXX.
Consumer complaint received 2023-06-29
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

attached below the account numbers and account names of all inaccuracies & fraud reported on my credit report. I have tried to resolve the under law 15 USC 1681 Section C ii also 15 U.S code S 1681c 2 the removal of fraud reported by consumer be deleted in 4 days or CFPB VIOLATION occurs Also under code 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

( DELETE ) Creditor Name XXXX XXXX Creditor Name XXXX XXXX Creditor Name XXXX XXXX XXXX Creditor Name DP OF EDUC XXXX Creditor Name XXXX XXXX Creditor Name XXXX  XXXX XXXX Creditor Name XXXX XXXX XXXX  XXXX Creditor Name XXXX XXXX Creditor Name XXXX XXXX Creditor Name XXXX XXXX Creditor Name XXXX XXXX Creditor Name XXXX XXXX Creditor Name XXXX  XXXX XXXX
Consumer complaint received 2017-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

The Tax Lien information is incorrect, The account is showing on Equifax and XXXX. XXXX : XXXX XXXX XXXX XXXX Docket # XXXX Equifax : Tax lien filed on XX/XX/2008 Type Tax lien Court number XXXX Case number XXXX
Consumer complaint received 2024-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 :
Consumer complaint received 2021-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I saw a {$1.00} charge from XX/XX/XXXX and then monthly charges for {$19.00} going back to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX from merchant TRANSUNION. 

I am not even aware that I am signed up for any service from them other than the free credit freeze. The only reason I ever signed into their website was to lift a credit freeze that I placed long ago ( due to XXXX hack ). I never gave them my credit card information, so I do not know how they have been charging me. I never agreed to any service from them. 

I started a fraud investigation with my credit card company, XXXX. 

I signed into TransUnion website to see if it shows if I was signed up for anything and saw a link button on the website about " TransUnion Credit Monitoring '' cancellation so I clicked it to immediately cancel this service that I did not even know existed and I never signed up for. I am assuming that this is what the charges are for, as the credit card statement does not say what it is for.
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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
Consumer complaint received 2021-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I entered into consumer credit transactions on various dates with the below listed accounts. I used my credit card ( Social Security Card ) defined under USC 15 1602 ( i ). XXXX, XXXX, and Equifax then furnished a report including these consumer credit transactions that stemmed from my credit card ( Social Security Card ) which should be excluded from the consumer report pursuant to 15 USC 1681a ( 2 ) ( b ). XXXX, XXXX, and Equifax all are in violation for furnishing a report including the below listed account that were intimated with my credit card ( Social Security Card ).

XXXX, XXXX, and Equifax are also in violation of 15 USC 1602g, for reporting late payments on my consumer report when a finance charge was included in the consumer credit transaction they are reporting late payments on which should be the sum of all charges and a " late payment '' is not defined in the Fair Credit Reporting Act due to this fact. 

XXXX, XXXX, and Equifax were not given written permission to furnish a report on behalf at any point and if they were they have been unable to produce proof of this matter. These reporting agencies are only allowed to report what I Gove written permission to them to report and I have not given this permission! The consumer reports they have furnished on my behalf are unfair and they have caused damage to my reputation and ability to receive necessary credit to thrive and move the financial system forward! 

Account in violation : 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 2023-02-20
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. (SC)

I asked the credit Bureau to do a THOROUGH investigation/verification of my credit report, they did... They stated that everything was accurate. I then did a thorough research myself and found multiple improper inaccuracies on the credit report even after they did the " thorough '' research. 

Here are the accounts etc listed below : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX REC XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX, XXXX, and XXXX has violated my rights. 

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

15 U.S.C 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account ( s ) without my written instructions.
Consumer complaint received 2023-04-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (OH)

On XX/XX/23, I was called by a courier to verify my identity so that a law suit subpoena could be served to me. I asked for more information and I was given the name of the suitor as XXXX XXXX and the company 's phone number. I called the number and was transferred to a paralegal. The paralegal informed me that I am being sued because of unpaid credit card debt and that I was going to be served the subpoena. Upon asking for more information, I was given a credit card account that I never had, according to my credit report. The amount was for over {$6000.00}. This was probably the third time they've called in as many years. Previously, I contacted the credit card company to inquire about my apparent debt and they had no record of any accounts for me.
Consumer complaint received 2023-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.