davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-06
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. (NC)

XXXX XXXX XXXX as a US Department of HHS covered entity improperly shared information with a third party about my medical/dental debt and services to ( XXXX XXXX  XXXX XXXX XXXX XXXX regarding XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX XXXX HIPPA notice to customers is attached. 

FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) requires the removal of derogatory information that can not be verified. The account can not and has not been validated nor the original contract provided legally without violating HIPAA. My previous disputes with the CRAs ( Transunion, XXXX, and XXXX ) have been ignored to date. 

Please provide a FULL CONSUMER FILE DISCLOSURE. 15 U.S.C. Section 1681g ( a ) ( 1 ) for verification of debt and material facts supporting reporting the continued unlawful reporting of private consumer information.

The account has not been validated after request and no HIPAA release has been provided to me for any of the medical debt and reporting of dental services. The HIPAA privacy rule requires a " business associate '' ( collection agency or billing firm ) to reasonably limit the amount of information disclosed for such purposes to the minimum necessary as well as to abide by reasonable requests for confidential communications. HIPAA Regulations, the Privacy Rule requires an Associate to enter into a partner contract containing specific requirements with an Associate prior to the disclosure of PHI, as set forth in, but not limited to, Title 45, 164.502 ( e ) and 164.504 ( e ) of the Code of Federal Regulations ( CFR ).

Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of title 15, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

This is a charge off account still being updated inaccurately as this account was charged off. IRS states that a charge off is considered cancel debt, nothing can be collected, and can not be reported on my credit report. According to 15 USC 1681 ( e ) B this is a violation of my rights.
Consumer complaint received 2021-07-23
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. (PA)

I got all other inaccurate items off my credit report except for these. XXXX deleted them. 
us dept ed, XXXX XXXX {$3700.00} us dept ed, XX/XX/XXXX {$3600.00} us dept ed, XX/XX/XXXX {$2200.00} XXXXXXXX XXXX XXXX, XX/XX/XXXX, {$0.00} Ed financial XX/XX/XXXX {$0.00} Ed financial XXXX, XXXX {$0.00} Ed financial XX/XX/XXXX {$0.00}
Consumer complaint received 2021-07-23
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. (PA)

I got all other inaccurate items off my credit report except for these. XXXX deleted them. 
us dept ed, XXXX XXXX {$3700.00} us dept ed, XX/XX/XXXX {$3600.00} us dept ed, XX/XX/XXXX {$2200.00} XXXXXXXX XXXX XXXX, XX/XX/XXXX, {$0.00} Ed financial XX/XX/XXXX {$0.00} Ed financial XXXX, XXXX {$0.00} Ed financial XX/XX/XXXX {$0.00}
Consumer complaint received 2019-07-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (MI)

I used a telephone in a break room to make a telephone payment to XXXX XXXX XXXX, ( XXX ) XXXX, and the collection department ( Comenity Bank ) has now made repeated calls and provided information to parties NOT related to me about my account being past due. This is a break room frequented by several people in located in the city hall!! I did not provide this number as a contact telephone number nor did I authorize the release of my account information to third parties!! 

Recent calls made on to the break room : XX/XX/2019 from XXXX XXXX XXXX XXXX @ XXXX XX/XX/2019 from XXXX XXXX XXXX XXXX @ XXXX XX/XX/2019 from XXXX XXXX XXXX XXXX @ XXXX XX/XX/2019 from XXXX XXXX XXXX XXXX @ XXXX ( message left w/unrelated person ) XX/XX/2019 from XXXX XXXX XXXX XXXX @ XXXX XX/XX/2019 from XXXX XXXX XXXX XXXX @ XXXX XX/XX/2019 from UNKNOWN @ XXXX This does not include the multiple calls made to my home telephone number!!
Consumer complaint received 2019-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (TX)

FICO scores are affected by the following : Lack of recent installment loan information FICO Scores consider recent non-mortgage installment loans ( such as auto or student loans ) information on a persons credit report. Your score was impacted because your credit report shows no recent non-mortgage installment loans or insufficient recent information about your loans. 

As a consumer who pays off debt ; mortgage and Credit Cards early, one is subject to a type of " CREDIT '' discrimination that ultimately weighs on ones FICO score. This impact is always going to be a factor for us, since we are over XXXX, paid our debts and will continue to pay credit cards off early and not in need of another mortgage and if we take out a loan, we pay it off early, sometimes in a matter of days. Two such auto loans taken out with the XXXX ; XXXX XXXX XXXX XXXX XXXX, were loans for less than 30 days yet impact our FICO score as a hard hit. Both of these items will impact our FICO score for the next 10 years or maybe my lifetime. As a senior, paying ones debts should be a plus and not counted as a minus. Experian has dropped our FICO from excellent to good when it should be a perfect score. Being old is not fun and being discriminated against for not having any debt is deplorable. All three credit agencies need to update their system and encourage pay on time, pay off consumer loans and mortgages and show that as a plus instead of a negative.
Consumer complaint received 2021-07-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX  are reporting 3 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX  and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2019-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX  is refusing to update my information with the all 3 Credit Bureaus ( Transunion, XXXX  and XXXX  ). I have reached out to XXXX XXXX  in multiple occasions and requested that they resend the accurate status of my paid off mortgage account # XXXX and they are refusing to do so. 

I opened a dispute on XX/XX/2019 with Transunion whom requested an update from XXXX XXXX  but XXXX replied back with the balance of my mortgage going from {$230000.00} to {$230000.00} which is incorrect. This account has been paid off and the house has been sold on XX/XX/2019. 

I have opened another dispute with Transunion on XX/XX/2019.
Consumer complaint received 2021-07-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (TX)

I have disputed this insurance debt with the collection company for the past 2 yrs. they refuse to send me information about the debt, also they refuse to send debt validation. According to FCRA, they must provide information about rhe debt if the consumer requests it in writing, which I have more than 4 times.
Consumer complaint received 2016-01-16
Product: Credit card — 
Issue: Billing disputes — 
Company: Synovus Bank (TX)

I had a credit card stolen and used to make a purchase at XXXX XXXX XXXX and several other locations. I immediately contacted my credit card company and reported it stolen - they cancelled the account and opened a new one, however, XXXX of the charges made by the person who stole my card was this XXXX XXXX XXXX charge. Apparently, XXXX disputed it and they allowed it to be re-billed to MY NEW ACCOUNT. 

They sent a letter asking me to sign and return via fax the them and I did, within the 10 day period - that charge is still being charged on my account.
Consumer complaint received 2019-07-23
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. (CT)

I submitted an Identity Theft Report to the all 3 Credit  Bureau on or around XX/XX/2018 and stated, " I am a victim of identity theft and that the accounts listed in my report does not relate to any transaction ( s ) that I had made. I requested that they block all the accounts listed and information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

All accounts were removed except " XXXX XXXX XXXX XXXX '' in the amount of {$1500.00}. The comments on the account now states " Account previously in dispute - now resolved, reported by data furnisher ( To be used for FCRA or FCBA disputes ) '' After receiving this notification I then sent a letter to the Credit Bureau requesting for proof of verification in  which I have not received. 

I filed a police report, filed a Federal Trade Commission Identify Theft Report - XXXX, and completed an identity Theft Victims Complaint and Affidavit. 

This account is not mine and I am requesting that it be removed from my credit report.
Consumer complaint received 2018-08-08
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. (MA)

Found late payments reported on credit after comparing lates reported against the dates my account was in Forbearance during the times that late payments where reported. I previously contacted XXXX about this and they said that the account was being reported correctly.
Consumer complaint received 2019-07-23
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. (CO)

XXXX IS IN VIOLATION OF THE FCRA BY PUTTING A STATEMENT ON MY CREDIT REPORT THAT ADVERSELY IMPACTS ME WITH OUT ANY PROOF THAT I ASKED THEM TO PUT IT ON MY REPORT. 

on my credit report, attached is a copy of it. XXXX is putting a comment that says Dispute Investigation Completed. Consumer Disagrees. Updated XX/XX/XXXX. 

I have filed this complaint before as I never disputed anything with the XXXX XXXX accounts. What is funny is that XXXX removed this comment because they showed no dispute ever being filed by me. But XXXX and Equifax both think its funny to make false statements on my credit report and to violate the law. 

I am now demanding that they proceed by the law. Either produce written documentation verifying that I initiated a written dispute ( Which they cant because they did not recieve one ). I am demanding that this comment be removed completely from my credit report or I will reserve the right to hire a FCRA attorney and sue you in a court of law. I am not playing games here. 
You do not have the legal right to put anything on my credit report that is not validated or verified with proof. You guys have been found not to long ago to have compromised many thousands of people 's information because you are negligent in handling our personal information. 

I am demanding that this statement that I did not authorize because nothing was disputed and I am disagreeing with you on the fact that you are putting unauthorized, incorrect comments on my credit report. 

Remove or be sued!
Consumer complaint received 2019-07-23
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. (OH)

There is Three collection accounts that do not belong to me, i have called them company and they give me no info because i cant verify my info. These items are stopping me from buying a home. Also, below are a lot of inquiries that i never did, this has to be fraud or an attempt to do fraud. 

XXXX XXXX XXXX Opened XX/XX/XXXX amount {$640.00} XXXX XXXX XXXX OPENED XX/XX/XXXX AMOUNT {$760.00} XXXX XXXX XXXX XX/XX/XXXX amount {$410.00} Inquires below XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Bank Equifax Mort Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX/XXXX Inquiry from XX/XX/XXXX Department & Variety Stores XXXX XXXX I Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX/XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX  Inquiry from XX/XX/XXXX Automotive XXXX/XXXX  XXXX  Inquiry from XX/XX/XXXX Bank XXXX/XXXX  XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX   Inquiry from XXXX XXXX, XXXX National Credit Cards/Airlines XXXX/XXXX   Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX/XXXX XXXX   Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Credit Union XXXX Inquiry from XX/XX/XXXX Credit Union XXXX Inquiry from XX/XX/XXXXNational Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX  Inquiry from XX/XX/XXXX Finance XXXX   XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Finance XXXX   Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XX/XX/XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX  XXXX Inquiry from XX/XX/XXXX
Consumer complaint received 2018-08-08
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. (MA)

Found late payments reported on credit after comparing lates reported against the dates my account was in Forbearance during the times that late payments where reported. I previously contacted XXXX about this and they said that the account was being reported correctly.
Consumer complaint received 2019-07-23
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. (OH)

There is Three collection accounts that do not belong to me, i have called them company and they give me no info because i cant verify my info. These items are stopping me from buying a home. Also, below are a lot of inquiries that i never did, this has to be fraud or an attempt to do fraud. 

XXXX XXXX XXXX Opened XX/XX/XXXX amount {$640.00} XXXX XXXX XXXX OPENED XX/XX/XXXX AMOUNT {$760.00} XXXX XXXX XXXX XX/XX/XXXX amount {$410.00} Inquires below XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Bank XXXX   XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Contractors XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX/XXXX  Inquiry from XX/XX/XXXX Department & Variety Stores XXXX XXXX I Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX/XXXX  Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX/XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XXXX XXXX, XXXX National Credit Cards/Airlines XXXX/XXXX  Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX/XXXX XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX  Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Credit Union XXXX Inquiry from XX/XX/XXXX Credit Union XXXX Inquiry from Apr XXXX, XXXX National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX   XXXX Inquiry from XX/XX/XXXX Bank Cap XXXX Inquiry from XX/XX/XXXX Bank XXXX  XXXX Inquiry from XX/XX/XXXX Bank XXXX  XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry  from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX
Consumer complaint received 2019-07-23
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. (NJ)

XXXX XXXX XXXX is reporting two accounts on my TransUnion credit report that is not correct. XXXX shows a balance of {$6000.00} and XXXX shows a balance of {$7600.00}. They have actually confirmed with me on the phone that I only have one account with them and I am making payments. This is inaccurate and a violation of the FCRA
Consumer complaint received 2022-09-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX of 2022, I had done one transaction. The amount was {$21.00} through XXXX. I was supposed to have sent {$40.00} to a seller for some virtual items for a video game, but we were having issues getting the last {$20.00} to them so we had to use XXXX XXXX. The reason there is 2 transactions is because I had sent the money to a receiver that the seller told me to send the money to, but after I had sent it, said the receiver was having issues retrieving the money. They gave me another person 's information to send the money to. However, the seller never gave me the virtual items and I had to file a dispute with my bank- Chase. On top of this, the seller suddenly disappeared from social media so it wasn't as if I could easily get my money back. I explained the situation to Chase and they gave me temporary credit. Now, I was given a letter saying that they were going to remove this temporary credit on XX/XX/XXXX because they found no errors in that instance. The claim ID is XXXX or XXXX This also does not factor in that I got scammed yet again by who I suspect was the same person using a different name in the amount of {$21.00} via XXXX XXXX on XX/XX/XXXX. The Claim ID for this is XXXX. I have not received a letter yet but am not shocked if Chase reverses the credit by claiming that it was an authorized transaction as well. I still NEVER got ANY items. 

It is currently XX/XX/2022 at the time of me typing this out. Essentially, I am now out of the total amount of {$43.00}. I am very mad that Chase is doing this and I am demanding my money back.
Consumer complaint received 2018-08-08
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: Navient Solutions, LLC. (MA)

Found late payments reported on credit after comparing lates reported against the dates my account was in Forbearance during the times that late payments where reported. I previously contacted Navient about this and they said that the account was being reported correctly.