davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-12
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. (TX)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally proctected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : office of attorney general # XXXX Account name : office of attorney general # XXXX Account name : office of attorney general # XXXX Account name : office of attorney general # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may Make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 u.s.c 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-05-18
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. (GA)

A consumer reprint agency can not furnish an account without my written instructions A creditor may not treat a payment on a loan account under an open end consumer credit plan as late for any purpose I have a right to privacy The fair credit reporting act XXXX account has violated my rights
Consumer complaint received 2018-09-17
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. (PA)

XXXX XXXX is reporting that I have an unresolved collection balance with them for {$9900.00}. I am attaching a copy of the settlement I arranged with them back in XX/XX/2018, and also a copy of the wire-transfer that shows I funded the arrangement. Despite the fact that this debt has been resolved for 6 months now, XXXX XXXX will not report it as such on my credit report.
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (TX)

I have reached out to LexisNexis on three separate occasions in an effort to get my consumer report from them. They are reporting incorrect bankruptcy information that does not belong to me. They confirm this information to XXXX and XXXX however on the report I received on XX/XX/XXXX there isn't any bankruptcies showing on my XXXX consumer report that said, subsequent attempts to get my consumer report from Lexisnexis has been denied. 

THey asked fr a copy of my Driver License and Social Security card which I have submitted they confirm that they have received and attached to my file however they still deny my request. at this Point THis should be assumed to be collusion between XXXX and Lexisnexis to keep incorrect, illegal and misleading information on my credit report. My family and I have suffered irrecoverable harm because of the actions of LexisNexis and XXXX. It is my wish that they deliver to me a true and correct copy of my Lexisnexis consumer report. That they remove the unverifiable information that they are reporting on me. 

The XXXX XXXX of Texas Bankruptcy court explicitly states that they do not verify Bankruptcy information with any source or requester Both LexisNexis and XXXX need to stop the collusion to keep incorrect information on my Credit reports. the following information is in question with both Lexisnexis and experian and should immediately be removed from both sources. However I have a report Dated XX/XX/XXXX That this information isn't being reported by Lexisnexis. According to XXXX and the fact I can't get Subsequent reports it seems to be. Immediate removal is demanded Public Record DATE Reference # Bankruptcy XXXX  XXXX XX/XX/XXXX XXXX Bankruptcy XXXX  XXXX XX/XX/XXXX XXXX Bankruptcy XXXX  XXXX XX/XX/XXXX XXXX Bankruptcy XXXX  XXXX XX/XX/XXXX XXXX
Consumer complaint received 2021-11-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (CA)

My mortgage forbearance ended on XX/XX/XXXX. 

I made my XXXX XXXX payment. 

On XXXX XXXX I contacted Freedom Mortgage loss mitigation with a PDF letter that arrived with them also as a verified tracking letter on XXXX XXXX. 

I informed them that, since my mortgage is a XXXX XXXX, I want the balance added to the end of the loan, as provided for in the CARES Act. 

I sent them money to bring my escrow account up to date. 

The company refuses to acknowledge that I have the right to add the forbearance balance to the end of the loan. They have not responded to the substance of the letter. 

Instead, I am receiving letters that show {$17000.00} past due. I am receiving RoboCalls where the caller asks for my social security number. When I call to talk to someone, which I have done a dozen times, I am on hold for 45 minutes before I hang up. 

I want Freedom Mortgage to acknowledge that eligible and qualify for the CARES Act deferral. 

I want that in writing and I want the harassment to end.
Consumer complaint received 2019-07-22
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC (AR)

on XX/XX/XXXX XXXX XXXX XXXX XXXX sold debt that was listed and discharged on XX/XX/XXXX. bankruptcy XXXX. Finally, new tradeline now appearing on all credit reporting bureaus. TRANSWORLD SYSTEMS HAVE VIOLATED ALL CONSUMERS LAWS AS WELL AS AUTOMATIC STAY!
Consumer complaint received 2019-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc. (WI)

In XX/XX/XXXX, I obtained a vehicle through XXXX XXXX XXXX. In mid XXXX, I started received notifications that my car payment was reported late almost every month until I traded the car in and got a new lender. I contacted Carmaxx during my current loan with them as well as on XX/XX/XXXX. I called and ask to speak with a supervisor, letting her know of my concerns for the inaccurate reporting of late payments. She basically told me there is nothing she could do to update the information anymore because I am no longer a customer. I explained to her that I have previously called numerous times to get this resolved, and I put in several complaints with each bureau. Carmax has repeatedly said this information was correct. 

I really need help getting this inaccurate information updated because it is affecting my credit in a negative way. All of the dates below are inaccurate. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
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: Experian Information Solutions Inc. (CA)

While checking my credit report, which I acquired fromExperian, I noticed an UNAUTHORIZED inquiry made by your company XXXX XXXX XXXX  on XX/XX/XXXX I did not authorize anyone employed by your company to make an inquiry and view my credit report on that date, I have Paid and closed XXXX credit cards in the past XX/XX/XXXX. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to inquire without my permission. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I wrote a personal statement a few months ago ranting about how the federal reserve is in open default. transunion has deleted my personal statement. it is not viewable if i try to view it on their website. i just get an error message. transunion is involved in massive fraud and cover up. this was exposed to me by the collapse of XXXX. this is a criminal complaint. the cfpb needs to do their job as a law enforcement agency and arrest or refer for arrest, or at least do an investigation into whoever deleted my personal statement within transunion. I can not access any credit since transunion is lying about me and restricting my ability to even publish a personal statement. i do not care what transunion 's response is to this, and i likely will not even read it. im making this complaint to serve as a record for the XXXX litigation. XXXX and XXXX has recently published a report outlining the ongoing fraud by government agencies and their attorneys in relation to XXXX. it is still not even the tip of the iceberg of fraud and corruption. I don't expect the cfpb to do anything as they have been restricting my ability to create public records as well. XXXX has also recently censored me because I was writing true things about this in XXXX comments and they are politically aligned and complicit with the criminals that have committed and continue to commit these crimes against humanity. judge XXXX is also super corrupt and should be arrested and his rulings should be immediately overturned.
Consumer complaint received 2022-10-12
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act 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 XXXXXXXX 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 2021-11-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (TX)

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I sent three Western Union payment to a company to purchase Medical Examination Gloves, but I never received the Gloves, so I filed an Online Cyber scam complaint and reported the mattter to the XXXX Police and WesternUnion. 
on XX/XX/XXXX, I received a XXXX package from Western Union at my address where the funds were sent from in XXXX and thaty gave me three new MTCN numbers and three case numbers as follows and suggested that i should go and pick up the funds at a westernunion location : NEW MTCN NUMBER NEW CASE NUMBER AMOUNT XXXX XXXX {$2300.00} XXXX PESOS XXXX XXXX {$5100.00} XXXX PESOS XXXX XXXX {$5100.00} XXXX PESOS Upon receipt of the documents, I took my assistantant with me ( she was the person I had sent to western union to make the payments. XXXX XXXX XXXX XXXX ) to the Western Location from where the money was sent. They claimed that the money was returned, but since I did not receive the money, i checked on the Western Union App and on the western Union Page, and it said money sent, waiting for pick up. 
I called western union and they gave me a new case numberXXXX and told me i could go back now and pick up the funds. This time we went to a new location, butr no money was available. 

i called Western union again, and again they gave me new case number. XXXX and three new MTCN numbers to collet the money 1- MTCN XXXX XXXX XXXX 2-MTCN XXXX XXXX XXXX 3-MTCN XXXX XXXX XXXX AGAIN WE WENT BACK TO WESTERN UNION AND AGAIN THERE WAS NO MONEY FOR PICK UP Once again thay gave me a New case number XXXX its now several weeks XX/XX/XXXX and the decision now wa stht they will send us a check. 
i sent them many emails and also with our change of address etc. but no response and no check arrived. 
i called again on XX/XX/XXXX, and they told me that they are still investigating and i should call them back in 24-.48 hours. 
I called today XX/XX/XXXX, and still no result. They are still investigating, and i should call them back in 3-7 business days. 
I strongly feel that i am getting the run around and need your intervention.
Consumer complaint received 2023-03-14
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

In accordance with the FairCredit Reporting Act Capitol One has Violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B- A creditor may not treat a payment on a credit card account under an open end consumer credit plan for any purpose.

15 USC 1681A ( 2 ) ( I ) reporting containing solely as to transactions or experiences between consumers and the person making the report
Consumer complaint received 2022-05-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery has been calling for weeks about a debt my father supposedly owes that does not exist and they keep calling me. My father does not have debts and I dont owe any debts. I told them to stop harassing me but they keep calling me. They call me during my work hours when I am XXXX XXXX XXXX XXXX XXXX. This is unprofessional and unwarranted. They call from a different phone number each time.
Consumer complaint received 2022-05-18
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. (GA)

A consumer reprint agency can not furnish an account without my written instructions A creditor may not treat a payment on a loan account under an open end consumer credit plan as late for any purpose I have a right to privacy The fair credit reporting act XXXX account has violated my rights
Consumer complaint received 2021-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports and needs to delete immediately. 
XXXX XXXX-Date of inquiry XX/XX/2020 "
Consumer complaint received 2019-07-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc (AL)

Hi, On XX/XX/19, I tried to add my XXXX XXXX card to my Venmo account and it was declined. I reached out to their support and was told they couldn't give me a reason or timeline for the issue. I then had no problem adding a credit card from XXXX immediately after. I believe Venmo advertises their acceptance of XXXX XXXX to get customers to sign up and provide sensitive information, but then refuses to allow them to actually use the card because XXXX XXXX typically has higher merchant fees. Additionally, a manager was supposed to reach out to me, but one never did. 

Thank you
Consumer complaint received 2022-05-19
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)

In accordance with the Fair Credit Reporting act XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-11-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

Good evening Bureau. More details I write in the letter attached below. I sent mail to Validate my debt. The collection company was responded sent me some documents. I asked them to clarify how to calculate the final amount of debt and I attached The Regulations z to them now they not responded. Because all the amount on my credit report are the big added up amount with the evidence to prove. If the Collection company not responded this time what is the next step? Referral to the last complaint that Bureau forward my complaint to the Creditor but the Creditor not responded can we do anything or anything can I get it in writing? I still have a trial court date with the Creditor.
Consumer complaint received 2021-11-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (GA)

My debt to CCS Collections was paid on XX/XX/XXXX. They later reported the account as a collection account to the Credit Bureaus on XX/XX/XXXX. I have requested that both they remove the account from my credit report however they have denied my request. When I initially paid the account I was told that it would not be reported to the credit bureaus upon my payment however they still did.
Consumer complaint received 2021-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BOEING EMPLOYEES CREDIT UNION (WA)

I have tired getting this resolved with a 623 dispute letter that BECU says the date of the first date of first delinquency is XXXX. On page 1 of the PDF attached from BECU. XXXX XXXX flat out says " No payments were received after XX/XX/XXXX. '' XX/XX/XXXX payment was past due., On XX/XX/XXXX and XX/XX/XXXX collections letters were sent to XXXX XXXX XXXX On XX/XX/XXXX the visa was 75 days past due Page 5 of the PDF shows a billing statement with a late charge also reflects the date of the first date of first delinquency being XXXX. The Law says The date of first delinquency also known as the XXXX is the date an account became 30 days late which led to a charge-off by the creditor. The FCRAs Compliance/Obsolescence date determines when the 7-year reporting period begins for accounts that have been charged off or placed for collection. With that being said and the letter sent to me from BECU saying the XXXX is in fact XXXX. I am requesting this tradeline removed. BECU has reported inaccurate information knowing to the Credit Beru Which is violation of the FCRA. IF BECU refuses to delete this trade line please forward me your legal componence address because I will be filling suit for violation FCRA.
Consumer complaint received 2019-11-21
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. (FL)

I previously submitted a dispute for XXXX on my XXXX  report and they reported it as correct however it is not. They continue to report a late payment each month even though the account is closed. XXXX  refuses to allow me to submit a new dispute even though they are reporting it wrong and it is seriously affecting my credit. Dates of previos payments and total due are wrong XX/XX/XXXX XXXX XXXX XXXX Web ID : XXXX {$430.00} XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX TX Card XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Web ID : XXXX {$430.00} This was reported as a charge of in XXXX with a balance of {$14000.00}. Then the amount increased after the charge off was reported XXXX XX/XX/XXXX XXXX XXXX XXXX Web ID : XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX TX Card XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX TX Card XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX XXXX TX Card XXXX XXXX This company has several lawsuits pending for unlawful
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: Experian Information Solutions Inc. (CA)

While checking my credit report, which I acquired fromExperian, I noticed an UNAUTHORIZED inquiry made by your company XXXXXXXX XXXX XXXX on XX/XX/XXXX I did not authorize anyone employed by your company to make an inquiry and view my credit report on that date, I have Paid and closed XXXX credit cards in the past XXXX You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to inquire without my permission. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.