davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of the competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2022-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC (GA)

Website was not allowing me to freeze my credit report. 
Demanding security freeze on accounts held in my name. 
Violation of 15 USC 1602 ( p ) and 15 USC 1681i.
Consumer complaint received 2018-05-18
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: I.C. System, Inc. (FL)

When checking my annual credit report ( for the first time ) I seen 2 collections on my report for services I did not authorize. 
I filed a complaint with XXXX  regarding the following : Report Number : XXXX Date Generated Results : XX/XX/XXXX I C SYSTEM INC Account XXXX Many years ago I had my identity used by a former roommate. After I had moved out of an apartment we were sharing, I found out later, he had put the utilities and cable in my name. 

How I believe he took my information was we had went to the movies and after the show, I couldn't find my wallet. I thought someone pick-pocketed me, and stole it. I didn't have any credit cards ( I was just out of college ) or even a checking account, so I wasn't concerned at the time. 

Move forward months later, HIS dog, a golden retriever, was playing with something chewed up, and when I pulled it from her mouth, it was MY wallet. So I confronted my roommate, and he denied ever seeing it and accused ME of misplacing it. I brought up that I had paid for the movies that night the wallet came up missing with money from MY wallet, and how would I be of possession of something we both clearly looked for and alerted the movie manager. 

Needless to say, I moved and relocated closer to my family here in XXXX. 

Now that I found that he put the two accounts in my name, and left them in a delinquent status, I am once again being used by my former roommate. 

I tried to remove both these accounts, and the one listed above is the first one back with a [ denial ] response. 

Also what amplifies this matter is that the company above, in lieu of using the initial dates as previously reported, they moved the date of negative payment to THIS year. Is that legal? I'm sure if I didn't make an attempt to remove this, the charge would have fallen off soon, because I haven't lived in XXXX XXXX XXXX, Florida since XX/XX/XXXX. 

What, if anything, can you do to help me with this situation? 

Please advise. 
XXXX
Consumer complaint received 2022-06-19
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. (AL)

I noticed several accounts on my Equifax credit report that does not belong to me XXXX XXXX XXXX... XXXX XXXX XXXX XXXX Bank ... XXXX XXXX XXXX XXXX... XXXX XXXX Bank. XX/XX/XXXX... XXXX XXXX Bank XXXX XXXX ... XXXX XXXX Bank XXXX XXXX ... XXXX Dept of Ed / XXXX ... XXXXXX/XX/XXXX... XXXX I noticed unauthorized inquiries on my credit report. Someone else applied using my name. According to the FCRA ( Fair Credit Reporting Act ) these unverified and unauthorized inquiries must be deleted : XX/XX/XXXX... Unauthorized inquiry... XX/XX/XXXX XXXX XXXX XXXX... Unauthorized Inquiry ... XX/XX/XXXX
Consumer complaint received 2022-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

Experian XXXX XXXX XXXX XXXXXXXX, TX XXXX To whom it may concern, Intent to file lawsuit, HIPAA Privacy Violation I, XXXX XXXX, never gave EXPERIAN any verbal or written consent to report anything on my consumer report. 

Validation Letter sent to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & EXPERIAN Did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. 
In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX  and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of ARIZONA medical privacy rules XXXX 

XXXX XXXX XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, & XXXX Did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. 

As a consumer, I am demanding a deletion of the following accounts as you do not have my consent to furnish anything on my consumer report pursuant to 15 USC 1681b, The following 7 transactions are also against my individual right to privacy : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Sincerely, XXXX XXXX
Consumer complaint received 2020-06-05
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. (TX)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX {$2700.00} XXXX {$1300.00} XXXX {$580.00} XXXX {$410.00} XXXX {$2300.00} XXXX {$330.00} XXXX {$590.00} XXXX {$840.00} XXXX {$500.00}
Consumer complaint received 2022-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XX/XX/XXXX Trans Union LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX To whom it may concern, Intent to file lawsuit, HIPAA Privacy Violation I, XXXX XXXX, never gave TransUnion any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 

Validation Letter sent to : XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- XXXX XXXX XXXX XXXX To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- XXXX XXXX XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. 
In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of ARIZONA medical privacy rules XXXX 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX -- XXXX XXXX XXXX, & TRANSUNION Did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. 

As a consumer, I am demanding a deletion of the following account as you do not have my consent to furnish anything on my consumer report, The following 4 transactions are also against my individual right to privacy : XXXX XXXX -- XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX
Consumer complaint received 2018-12-17
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: Experian Information Solutions Inc. (TX)

I called in a week or two ago and cancelled a membership with Experian. They accepted the cancellation but have continue to bill me since.

I have called the Consumer Dept and get a call center I can't understand. I have called two corporate numbers but they either put me on hold and never answer or they send me back to the same consumer number.

Experian makes it extremely easy to sign up and XXXX to cancel.
Consumer complaint received 2022-03-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (AL)

I received information from you attempting to collect the above-listed alleged debt. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Wheres my HIPPA release form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. 
Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2018-05-18
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. (NJ)

A medical collection was added to my account. I never received a bill in regards to this. Also this violates HIPA. I contacted the collection agency and they stated that this would be removed and credit bureaus have failed to remove this.
Consumer complaint received 2018-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

XXXX cc account ending XXXX showing on cr i never opened they wont take off been over 60 days since i notified them of this fraud account that i never opened
Consumer complaint received 2022-02-03
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. (CA)

This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section XXXX of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2018-04-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

Nelnet is one of my student loan lenders. They refuse to send my correspondence via paper mail even though I have opted out of e-mail, so as to not allow the borrower to have a paper trail. In addition, I have been locked out of my account several times. I have also called them several times and have received pushback regarding transparency of my records. I applied for the income driven repayment program ( IDR ), which I qualify for. When I applied in XXXX of XXXX, they told me that " it was too early. '' When I tried to apply for it just recently in XX/XX/XXXX, they told me " that I had to submit a letter stating that I had income, '' which was not one of the terms of the agreement. When I informed them that I did not have taxable income, the customer service representative went on a tirade against me.
Consumer complaint received 2023-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OH)

I sent an application for Public Service Loan Forgiveness to the U.S. Department of Education, MOHELA, XXXX XXXX XXXX, XXXX, MO XXXX. Mohela received this application well before the XX/XX/2022 deadline. I have proof of delivery via a signed receipt. 

I have provided Mohela with documentation of my eligibility through employment from four different employers. The first employer alone shows I have well over 10 years of qualified employment. The fourth employer, a hospital, stated to me that their policy requires employment verification through a third party. I submitted that documentation along with the application form and a note clearly stating " see attached '' for the fourth employer. 

Mohela sent me a notice threatening to deny my application because the fourth employer did not fill out the form. They completely ignored the proof of employment from three employers. Mohela has these forms, and I know they do because I kept a copy of my application along with proof of delivery. 

Mohela is not acting in good faith. They want to deny my application because of one technicality which is not even reasonable. They are trying to come up with any excuse they can to delay doing what the US Department of Education hired them to do.
Consumer complaint received 2022-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (GA)

Website was not allowing me to freeze my credit report. 
Demanding security freeze on accounts held in my name. 
Violation of 15 USC 1602 ( p ) and 15 USC 1681i.
Consumer complaint received 2022-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT)

Unknown actor applying for credit card by stealing my identity. Unknown trans unionXXXX credit card application. 

Unknown applicants additionally accessed my XXXX account at XXXX XXXX and purchased phones on my account without my authorization.
Consumer complaint received 2022-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX, I needed to unfreeze my credit and was unable to. 

Upon logging in error message : " Please give us a call We can't complete your request at this time. 
Please call the Customer Care team XXXX Customer Care is available between XXXX a.m. and XXXX p.m. ( ET ), Monday to Friday. '' First off, that's a very poor error message. 2 100 % confirmed that my information is correct, XXXX this has happened without reasonable explanation many times with Equifax. 

I called the number, spent 30 minutes on the phone to then have to wait a day or few days to possibly receive an email to let me login. They could not give me a clear answer on why I was receiving this message. It's not acceptable for something so critical to people 's " freedom '' in America. 

This should not be legal, they are blocking me from accessing my own credit report and applying for credit in time sensitive situations. I can't login to my own account. 

They acknowledged on the phone that they were having a " website issue '' and that there was not fault of my own. They supposedly reset my account. 

Come 1 months later on XX/XX/2022 when I need to unfreeze my credit again, the same problem! No access to my account. It's absolutely ridiculous that the government allows other companies to legally lock or block access you the consumers OWN information. Why is Equifax in control of my information and not making me ineligible to move in to an apartment? This is terrible and must be fixed. 

We need a blockchain solution, put the power of people 's information in THEIR hands, and not a for profit business please. 

I have to call this for profit company yet again and figure out what is going on. I don't do anything unusual with my account what so ever and have very secure credentials. The keep having 'website issues '' and don't have an online way to fix this, and how can you only offer support Monday through friday XXXX - XXXX? That's not acceptable for many people who work during those hours. 

Yet they get to control your access to loans and moving into apartments and mortgages.
Consumer complaint received 2020-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/20, my Wells Fargo debit card number was stolen and used to make a series of unauthorized purchases in a matter of a few hours to several online stores totaling approximately {$3700.00}. Some of these fraudulent purchases were caught and reversed and some were not- leaving the amount stolen close to {$1600.00}. This is a significant breach of my security and account which was reported to Wells Fargo the same day - and I haven't received much of a response from the company other than a claim number.
Consumer complaint received 2022-03-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: JPMORGAN CHASE & CO. (NY)

Chase Bank provided a XXXX XXXX  to XXXX XXXX XXXX  XXXX XXXX for payroll and expenses. After several attempts with them and filing a complaint with CFPB the amount was reduced from $ XXXX to XXXX XXXX 

Chase Bank failed to credit me all my expenses in the foregiveness. 

Recently a portal opened up with the SBA and Chase and I applied for the rest of the XXXX to be foregiven, A chase rep called and said I needed to apply for the whole amount again, that is not what the SBA said or Chase portal. 

To be clear I am trying to get the remaining balance XXXX XXXX foregiven for expenses I was never reimbursed for. 

Further I tried to work out a reasonable payment plan rather than getting a bulk payment bill, of XXXX
Consumer complaint received 2022-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

its showing on my report that I have a debt collection with a company that brought a debt with Capital One Bank car loan, XXXX FUNDING is reporting that this debt was not paid, I called the company that manage this reporting and they could not find my account because it was paid off last year. I called Capital One about this and they sent a statement that the debt has been covered.
Consumer complaint received 2018-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I called TransUnion to have my credit unlocked for one day so my XXXX XXXX XXXX XXXX rep XXXX could view and raise my available credit card amount. I paid {$10.00} and was given XXXX. I provided this to XXXX and he calls me back saying that number does not work. I call Transunion and tell them the number did not work. Their rep says he double checked and it was valid. I called XXXX back and he tries it and it does not work. I tell him I do not know any other recourse but for him to try hourly. I call TransUnion the next day, today, and repeat my request to have my credit unlocked for free because the number I was given did not work the day before. He did not understand though I repeated it 4 times. His method was for me to pay again and get another unlock code. I then spoke with his supervisor who said since I did not call back when card did not work he could only charge me again to reopen. I pointed out that I did call back and because Transunion did not follow their own rules in documenting my calls was no fault of mine. The fact remains I paid {$10.00} for a valid code and Transunion does not feel they have any responsibility to hand out working codes for the fees they accept!