davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-07
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. (VA)

18 U.S.C 1082 ( a ) This company breached my personal information without my consent.

15 U.S.C 6802 Gramm-Leach-Bliley 15 U.S.C 6802 ( a ) ( a ) Notice : This company directly, disclosed my personal information to multiple nonaffiliated third parties, and did not provide me with a notice that complies with section 6803 of this title. This company did not have my verbal consent to use and share my information with other nonaffiliated institutions, by law is a violation of identity theft. 
15 U.S.C 6802 ( b ) Opt-Out This company actively disclosed my nonpublic personal information to nonaffiliated third parties which such financial institution did not clearly and conspicuously disclose this information to me, in writing or in electronic form under section 6804 of this title, that such information may be disclosed to such third party ; I was never given the consumer opportunity, to initially disclose this information, to refuse that such information shall not be disclosed to such third party ; and that I am given an explanation of how the I can exercise the nondisclosure option. 
15 U.S.C 1681s-2 ( a ) This company closed and furnished an account on my consumer report without my consent.

15 U.S.C 6802 ( d ) This company disclosed my payments to nonaffiliated third parties which still reflects on my consumer report. 
12 CFR 226.15 ( a ) As a consumer I was not rightfully sent two copies of notice that gives the option to opt-out from this company with my rights to rescind clearly and conspicuously.
Consumer complaint received 2022-10-07
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. (VA)

18 U.S.C 1082 ( a ) This company breached my personal information without my consent. 
15 U.S.C 6802 Gramm-Leach-Bliley 15 U.S.C 6802 ( a ) ( a ) Notice : This company directly, disclosed my personal information to multiple nonaffiliated third parties, and did not provide me with a notice that complies with section 6803 of this title. This company did not have my verbal consent to use and share my information with other nonaffiliated institutions, by law is a violation of identity theft. 
15 U.S.C 6802 ( b ) Opt-Out This company actively disclosed my nonpublic personal information to nonaffiliated third parties which such financial institution did not clearly and conspicuously disclose this information to me, in writing or in electronic form under section 6804 of this title, that such information may be disclosed to such third party ; I was never given the consumer opportunity, to initially disclose this information, to refuse that such information shall not be disclosed to such third party ; and that I am given an explanation of how the I can exercise the nondisclosure option. 
15 U.S.C 1681s-2 ( a ) This company closed and furnished an account on my consumer report without my consent. 
15 U.S.C 6802 ( d ) This company disclosed my payments to nonaffiliated third parties which still reflects on my consumer report.

12 CFR 226.15 ( a ) As a consumer I was not rightfully sent two copies of notice that gives the option to opt-out from this company with my rights to rescind clearly and conspicuously.
Consumer complaint received 2022-12-04
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)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX/XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, US Dept of Ed/XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX and XXXX 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 consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-12-03
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. (CA)

I have 19 hard inquiries on XXXX and 11 on Transuion. I have 5 that are currently active and the rest arent and been denied approval
Consumer complaint received 2022-10-07
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. (CA)

XXXX XXXX reported me 30 days late in error in XX/XX/XXXX on XXXX and XXXX. They did not report me late on Trans Union. 

I closed the account and did not authorize any charges. XXXX even cut me a refund check in XXXX as it was overpaid. 

When I went to apply for a mortgage I found out that this XXXX account was destroying my credit. 

I see now that they approved a recurring charge in error. I once again spoke to XXXX XXXX to ensure the account was fully closed so no new charges could be applied. 
Then, all of a sudden I see in XX/XX/XXXX a 30 day late reporting to my Trans Union account. 

As you can see from the attached screenshot, each credit bureau are reporting inconsistent data, all late marks are in error.
Consumer complaint received 2024-02-13
Product: Credit reporting 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. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 XXXX XXXX XXXX XXXX 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 adverse items of information, other than records of convictions of crime 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 2022-10-07
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. (OH)

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. 

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 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 accurate.
Consumer complaint received 2022-10-07
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)

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. 

Account name : XXXX Account # XXXX Account name : XXXX XXXX XXXX Account 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 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 2022-08-18
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: EQUIFAX, INC. (KY)

I have fraudulent items appearing on my credit file. I am a federally protected consumer and my rights are being violated. I have been attempting to have the credit bureau remove this false information but they have been persistent in violating my constitutional rights. Pursuant to The Fair Credit Reporting Act I should not have fraudulent items appearing on my credit file. I was also never given clear information on how to opt out of credit reporting from these companies. Pursuant to the Gramm- Leach- Bliley- Act I have to be given clear instruction on how to opt out of credit reporting. I do not give permissible purposes covered under the Fair Credit Reporting Act for XXXX XXXX XXXXXXXX XXXX and XXXX to appear on my credit file. I am demanding that they be removed immediately.
Consumer complaint received 2019-07-30
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)

this loan has been paid off. I paid the account right away and now found out that the account appears as a pid collection on my credit report. This account was not even being reported to the credit bureaus when I was paying on time. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX,
Consumer complaint received 2022-10-07
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. (VA)

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.

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 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 2022-10-07
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. (IL)

On XX/XX/XXXX I sent a 609 Letter to Experian asking for validation of original debt history because unfair collection and unfair reporting practices with XXXX continues to not report my XXXX payment history. I also followed up with an 611 letter to try to resolve the matter. Experian did not do their due diligence in correcting matter. XXXX intentionally suppress my payment history by not correcting the reporting my XXXX payment history. XXXX account is old and requires removal from my credit report. I have made over 5 disputes in reference to this matter. To no avail Experian verifies XXXX erroneous credit reporting data sometimes in less than XXXX hours. XX/XX/XXXX I called Experian stating my frustrations with their reporting practices and tried to file a complaint with their company but did not get any assistance. The Experian disputes report numbers are XXXX, XXXX, XXXX
Consumer complaint received 2022-10-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (MI)

Apparently my account was sold to XXXX XXXX from Dovenmuehle Mortgage - I sent my payment on XX/XX/XXXX to Dovenmuehle Mortgage - they stated on XX/XX/XXXX the payment amount will be finalized and sent to XXXX XXXX. I never got a letter stating my mortgage was sold/transferred from Dovenmuehle and they did not transfer within the 60 days
Consumer complaint received 2022-10-07
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. (TX)

On Tuesday, XX/XX/2022, XXXX XXXX, ran my credit without permission. When I spoke with XXXX XXXX XXXX, I only authorized my credit to be ran through XXXX XXXX. I had already been pre-approved with XXXX XXXX XXXX XXXX for XXXX at 3.79 % APR. XXXX XXXX suggested inside financing due to high demand, low supply. I denied the request on Monday, XX/XX/2022. XXXX XXXX called me on Tuesday, XX/XX/2022 at XXXX, asking me again. XXXX XXXX took it upon himself to run my credit through multiple creditors without my permission. I had already been pre-approved for a loan with an excellent interest rate. I will not pay a higher interest rate when I have been approved for a lower one. There was no incentive involved with him running my credit through multiple creditors. The only thing XXXX did is lowered my credit score. As a sales XXXX, XXXX should know the importance of fraudulently pulling my credit without my permission. I feel disrespected, dishonored and belittled. 

I emailed XXXX XXXX on Tuesday, XX/XX/2022 at XXXX asking him to fix this error. It has yet to be fixed. No one from upper management at XXXX XXXX has contacted me to correct the issue.
Consumer complaint received 2022-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (OK)

XXXX XXXX added {$190.00} for XXXX XXXX charges that were to be removed. Contacted XXXX XXXX, XXXX XXXX and was told this would be taken care of after speaking with 7 agents. Received statement with {$190.00} for XXXX XXXX, spoke with XXXX told me he would remove the charge. Next statement showed only {$190.00} credit was given, leaving a balance of {$7.00}. This was the {$5.00} balance and {$2.00} fee charged. I talked with 7 customer service members including supervisor on XX/XX/22. XXXX told me she took care of it. ref # XXXX. I then another statement showing a balance of {$9.00}, {$5.00} dollar balance and another {$2.00} fee charged bring the total to {$9.00} I once again tried speaking with customer service and was told I must have XXXX XXXX remove the balance and fees, then call XXXX XXXX customer service back to help with any credit issues. I was also told by XXXX cards it would be best if I went ahead and made the payment to stop the billing. 
I took all my paper work to XXXX XXXX on Saturday, XXXX to the XXXX XXXX asking for a supervisor, however XXXX XXXX XXXXid not have a supervisor available, so a XXXX XXXX supervisor came and talked with me. Her name was XXXX. After hearing and seeing all my paperwork and difficulty I've had she paid the balance off by posting {$35.00} payment to my account so it would stop the fee charges from continuing. 
However, due this error caused by the XXXX XXXX, my credit report was lowered by XXXX points, and I received a letter on XXXX from XXXX XXXX stating " Based on recent review of your account, we found it necessary to decrease the credit limit on your My XXXX XXXX Credit Card account. My limit was reduced from {$4000.00} to {$350.00} effective immediately. 
A note of interest is that the XXXX XXXX made this same problem XXXX years ago on my account. 
I have never been late on this account before. I have sent over ten hours of my time trying to get a resolution. I feel very wronged and all I heard was I'm but it's someone else 's problem. Want I want is a full report sent to credit reporting ( Experian ) to clear the wrong that has been done to me.
Consumer complaint received 2022-12-03
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: Experian Information Solutions Inc. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX ... XXXX XXXX XXXX {$0.00} ; XXXX XXXXXXXX .... Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX .... Balance : {$3500.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$87.00} ; U.S. DEPARTMENT OF EDUCATION XXXX .... Balance XXXX {$45000.00} XXXX U.S. DEPARTMENT OF EDUCATION XXXX .... Balance XXXX {$28000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-10-07
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. (UT)

In XX/XX/XXXX when attempting to take out an auto loan I was notified of a delquent account from XXXX XXXX with a balance of {$20000.00}. They stated this card was opened in XX/XX/XXXX and this was the first i was hearing about it. I called XXXX XXXX immeaditly to notify them this was not my account. I filed a police report as well as filed a notice to the FTC. On XX/XX/XXXX a bill was sent for the fradulent account, I contatcted XXXX XXXX to inform them there must be a mistake they told me they found me liable for the card and provided no information on how they made this determination. XXXX XXXX refused to reopen the fraudulent investigation despite my notification that there is no way this could be mine. 

I have another valid tradeline with XXXX XXXX and it has always been paid as agreed. XXXX XXXX should be able to see first hand by looking at their own records and the credit report they would have pulled when the account was opened that I always pay my bills on time and that my credit is very important to me.
Consumer complaint received 2022-12-03
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. (FL)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXFL, XXXX ( XXXX ) XXXX There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer You are required to do what I am asking and block these transactions from being reported to my consumer report within a timely matter IMMEDIATELY the dates last active is inaccurate, birthdate incorrect and date last reported is not accurate. This ground for removal they also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigation Party Owed : DEPTEDXXXX Amount : {$1300.00} Account # : XXXX Party Owed : DEPTEDXXXX Amount : {$3000.00} Account # : XXXX Party Owed : DEPTEDXXXX Amount : {$2600.00} Account # : XXXX Party Owed : DEPTEDXXXX Amount : {$5500.00} Account # : XXXX Party Owed : DEPTEDXXXX Amount : {$4800.00} Account # : XXXX Party Owed : DEPTEDXXXX Amount : {$6600.00} Account # : XXXX Party Owed : DEPTEDXXXX Amount : {$1000.00} Account # : XXXX Party Owed : DEPTEDXXXX Amount : {$4600.00} Account # : XXXX Party Owed : DEPTEDXXXX Amount : {$5300.00} Account # : XXXX Party Owed : DEPTEDXXXX  Amount : {$1.00} Account # : XXXX Party Owed : DEPTEDXXXX Amount : {$3500.00} Account # : XXXX Party Owed : DEPTEDXXXX Amount : {$6700.00} Account # : XXXX Party Owed : USDOEXXXX Amount : {$0.00} Account # : XXXX Party Owed : DEPTEDXXXX Amount : {$1000.00} Account # : XXXX Party Owed : DEPTEDXXXX Amount : {$4700.00} Account # : XXXX Party Owed : DEPTEDXXXX Amount : {$4100.00} Account # : XXXX Party Owed : DEPTEDXXXX Amount : {$3500.00} Account # : XXXX Party Owed : DEPTEDXXXX Amount : {$1000.00} Account # : XXXX Party Owed : XXXX XXXXXXXX XXXX XXXX XXXX Amount : {$600.00} Account # : XXXX XXXX Owed : XXXX XXXX  Amount : {$550.00} Account # : XXXX Party Owed : XXXX Amount : {$600.00} Account # : XXXX I am disputing this claim due to : I HAVE KNOW KNOWLEGDE OF THIS ACCOUNT IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY N ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX TRANSUNION XXXX & XXXX HAS VIOLATED MY RIGHTS.