davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-11
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2020 Loan Type XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Past Due {$520.00} Pay Status >Collection in accordance with the Fair Credit Reporting ACT 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 a account without my written instructions
Consumer complaint received 2022-12-16
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. (GA)

It has come to my attention that my personal data has been compromised. As a result my right to privacy has been violated and Equifax , Inc. is responsible. 

Please see attached.
Consumer complaint received 2023-01-15
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. (TN)

I noticed that Experian is reporting my Experience with XXXX XXXX, XXXX XXXX, XXXX Card and me. The balance I have with XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX Card and me is characterized as utilization on my consumer report Experian is in clear violation of the law : Pursuant 15 U.S. Code 1681a 2 ( A ) ( 1 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 1681s3 of this title, any ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transactions or Experiences between consumer XXXX XXXX and the person XXXX  XXXX, XXXX XXXX XXXX XXXX Card that is Making the report is NOT INCLUDED ON MY Consumer Report XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX Card has attempted to remove the balance section. Experian keep putting the balance back on my consumer report
Consumer complaint received 2022-11-12
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. (NC)

In a accordance with the fair credit reporting act XXXXXXXX account # listed below has violated my rights XXXX XXXX XXXXXXXX XXXX XXXX XXXX states I have the right privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : it also states a consumer reporting agency can not furnish an account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number XXXX XXXX XXXX A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason This is what I have so far that Im REMOVING ( Delete ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ( REMOVE ACCOUNT IMMEDIATELY )
Consumer complaint received 2022-11-11
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. (CA)

I had initiated a dispute in XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

There is an account with XXXX that should be removed. It has been be settled and I was told it would be removed however after several conversations and follow ups it's still reporting. This needs to be deleted ASAP. 

For the XXXX XXXX car loan I was NEVER late. I am providing documentation showing how there is so many discrepancies in the reporting. How can I be paid on time with XXXX and XXXX  of XXXX XXXX but late 30 days with Equifax?? How can I be late 30 days with XXXX and XXXX in XXXX of XXXX but on time with Equifax? 
The payment status shows 30 days late yet Equifax shows its current. I need these late payments removed. 

For the XXXX XXXX account they have yet to provide documentation to me proving this is mine. This should not be reporting. This should not be on my report and should be removed immediately. They have yet to respond to any of my correspondences.
Consumer complaint received 2022-11-11
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. (VA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXXXXXX  ) XXXX Balance : {$880.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) Balance : {$840.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$60.00} XXXX XXXX XXXX  ( XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$420.00} XXXX XXXX XXXX  ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$140.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX  ) XXXX Balance : {$590.00}
Consumer complaint received 2022-11-11
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)

I recently pulled my reports and noticed you are reporting the incorrect date of last activity, term length, and incorrect payment history for account ( XXXX XXXX ). Because the date of last activity, term length, and payment history being reported by your company, XXXX and XXXX are different, this means that the account has not been properly verified. You are in direct violation of my FCRA rights of my credit report being 100 % accurate, the information is coming from the same data furnisher, therefore all the information being reported should be the same across the board. This account is being reported with inaccurate information is actually violating my FCRA rights, which means this the information being reported should be the same across the board and be 100 % accurate or you are subject to {$1000.00} per violation. Delete this account immediately!
Consumer complaint received 2022-11-11
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2008 in accordance with the Fair Credit Reporting act XXXX XXXX acct # 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 2022-11-11
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. (PA)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 6 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2XXXX XXXX
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (NY)

To Whom It May Concern, I am writing to formally dispute the accuracy and legality of the information contained in my credit reports with XXXX, XXXX, and XXXX, as provided under the provisions of 15 USC 1681 regarding the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my credit reports, I have discovered that there are entries indicating that you have furnished my information to third parties and obtained information about me. However, I want to emphasize that I have never provided written consent for you to furnish my information to any third party or to obtain information about me from any source. 

I am aware that under the FCRA, it is required that consumer reporting agencies such as yours obtain written consent from consumers before furnishing their information to third parties or obtaining information about them. This consent is a fundamental protection afforded to consumers to ensure the accuracy and fairness of the information contained in their credit reports. 

As such, I request that you provide evidence of the written consent that I allegedly provided for you to furnish my information or obtain information about me. If you are unable to provide such evidence, I demand that you remove all entries related to information furnishing and obtaining from my credit reports immediately. 

Please note that failure to comply with this request may result in legal action being taken against your agency for violations of the FCRA. I expect a prompt response to this dispute within 30 days, as required by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2022-11-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (PA)

Navy Federal has used extortionate means to withdraw my money from my checking account without my permission, authorization or any lawful consent! On XX/XX/22 in an amount of {$220.00} and on XX/XX/22 in an amount of {$59.00}. They have took all my money out my account to transfer it to credit cards. Under the NCUA, They have breach their fiduciary duty to work in my best interest. Their action has cause me great financial harm and when tried resolve this issue, they have been willfully negligent and noncompliant to address my needs. Ive tried multiple times to resolve this issue to get my money back but they are unlawfully refusing to. They are placing fees on my accounts due to the fact they depleted when I had other account set to have payments come from my checking account.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have recently reviewed my credit report and I am a fallen victim to identity theft of several accounts that are open on my credit report causing hurt and distress due to me trying to move forward financially. I kindly request you to remove these accounts from my credit report. Thank you for your assistance.
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

XXXX marked my loan as greater than 30 days past due, reported my account as delinquent to credit bureaus, sent my account to Collections, and assessed late fees. At the time this occurred, my account was less than 30 days past due. Per their own policy, I should not have been reported. I ultimately made the payment within 30 days. When I pointed this out to them, they acknowledged it was incorrect, but refused to take any corrective action. This also affected my Cosigner. My cosigner asked them to verify that there was no affect on credit score in person and XXXX  said there was not. They lied to my cosigner in person, and they lied to me in writing, and then refused to correct or even to inform me on how I could correct. I would be happy to provide writing, phone recording, and affidavit from cosigner.
Consumer complaint received 2017-04-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (LA)

Equifax is refusing to remove  XXXX   XXXX   XXXX  from my credit report. Even after seeing that is inaccurate information.  XXXX  has sent several letters regarding the account should be deleted, and i have forwarded them all to Equifax yet it still remains on my file. I thought the law was that all inaccurate information must be deleted in a amount of 30 days. This has been going on for almost 120 days.
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXX marked my loan as greater than 30 days past due, reported my account as delinquent to credit bureaus, sent my account to Collections, and assessed late fees. At the time this occurred, my account was less than 30 days past due. Per their own policy, I should not have been reported. I ultimately made the payment within 30 days. When I pointed this out to them, they acknowledged it was incorrect, but refused to take any corrective action. This also affected my Cosigner. My cosigner asked them to verify that there was no affect on credit score in person and XXXX  said there was not. They lied to my cosigner in person, and they lied to me in writing, and then refused to correct or even to inform me on how I could correct. I would be happy to provide writing, phone recording, and affidavit from cosigner.
Consumer complaint received 2022-11-11
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)

n accordance with the Fair Credit Reporting act XXXX  Account Name and number, XXXX XXXX XXXX XXXX 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-11-11
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)

n accordance with the Fair Credit Reporting act XXXX  Account Name and number, XXXX XXXX XXXX XXXX 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-11-11
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. (IN)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this XXXX  issue for the past 2 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX XXXX XXXX
Consumer complaint received 2022-11-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: FIRST UNITED BANK AND TRUST COMPANY (TX)

I applied for a personal loan with First United Bank where I have my checking and savings account on XX/XX/2022 and I got an email from the bank same day advising that I was approved for a {$14000.00} loan at XXXX XXXX XXXX XXXX months and asked if the payment was too high did I want to extend to XXXX  months and when I did all of a sudden I was no longer approved. When I asked the loan officers why he said his president further reviewed my credit history and would not approve the loan. I have a XXXX XXXX XXXX and a few years ago I fell on hard times but have tried since to get my XXXX XXXX built back up. So my daughter took money out of her XXXX plan and we went back to the bank with a request to approve a loan for half the amount- {$7000.00} and again was told no - I either had to come up with collateral to support it or it would not be approved. This money is to fix a XXXX XXXX XXXX XXXX XXXX  and if I don't get that fixed I will never be able to sell it and it will continue to XXXX- it is a XXXXXXXX XXXX XXXX XXXX When they told me I was approved I contacted the contractors to set up a date/time for them to repair XXXX XXXX  and then had to cancel it.
Consumer complaint received 2019-12-12
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. (PA)

Phone number XXXX & XXXX is not my personal phone number as showing on my credit report. 
Provide proof that XXXX & XXXX belongs to me in contract by a phone provider along with name of company that provides the number in a personal name.
Consumer complaint received 2022-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (NY)

I was made aware that American Express closed my account without my authorization. On my credit report it says my account was closed on XX/XX/2021. I did not authorize this and because of this my rights have been violated according to the FCRA. I would like my account to be re oped ASAP.
Consumer complaint received 2023-06-11
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: CAINE & WEINER COMPANY, INC. (GA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-03-01
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. (TX)

XXXX is reporting a charged off account on my credit reports that is reporting multiple inaccuracies. I have been disputing this account for some time with each credit bureau as well with XXXX directly and have not reached any type of resolution. They have not sent me any documents concerning this debt and they are reporting and validating different information with each bureau. It is the responsibility of the consumer reporting agencies to report accurate information and they are in clear violation of my rights as a consumer. Each bureau is reporting different past due balances, last active dates and last payment dates. If all credit bureaus get their information from the same place how is it they are all verifying different information for the same account? I am requesting that this account is deleted from my reports now!
Consumer complaint received 2022-11-11
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. (NC)

In accordance with the Fair Credit Reporting Act & XXXX XXXX XXXX account # XXXX, my rights have been violated. 

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

15 U S C 1681 section 604-A section 2 : States that a consumer reporting agency can not furnish an account without my written instructions. 

Note : XXXX XXXX XXXX has also failed to produce the requested ORIGINAL contract in regards to this collection account.