davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-30
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. (CA)

I am a natural person, I am a living human being, I have right under 15 USC 1681.

Equifax is govern by 15 USC 1681 & they violated my rights numerous of times. I demand the accounts listed below be removed because according to 15 USC 1681 : I have the right to privacy & I did not give Equifax written permission to furnish these accounts. 

INQUIRIES XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-26
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. (CO)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2017-08-31
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. (CT)

This is regarding an adverse account item logged to my TransUnion credit report on XX/XX/XXXX in the amount of {$190.00} filed by XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX, and the resulting recalculation of my FICO score from XXXX to XXXX. The derogatory credit item is invalid and I disputed it with TransUnion in XX/XX/XXXXas soon as I was alerted by my bank. They responded back that the item was verified as accurate. When I called to get the particulars about the investigation, as disclosed as an entitlement in the letter, the associate responded that the investigation is purely electronic. They simply contact the collection agency electronically for verification without any independent evaluation of the accuracy of the disputed charge. Whatever is reported is assumed to be accurate and as a consumer I have no ability to refute the claim.
The circumstance of the disputed charge is as follows : I signed up with XXXX XXXX for month to month membership at a cost of $ XXXX/month. After an unexplained fall on the treadmill on XX/XX/XXXX, resulting in a visit to the Emergency Room, I was advised by my doctor to discontinue my workouts until a XXXX XXXX XXXX and XXXX XXXX could be scheduled. Upon receiving that advice, I immediately called XXXX XXXX  to terminate my membership. I had paid in advance for the month and had no outstanding balance. They urged me to come in to speak with an associate regarding the termination but after explaining the circumstance of my situation, the associate agreed to terminate my membership on the phone. Approximately 7 months later, I received a collection letter from XXXX XXXX XXXX on behalf of XXXX XXXX  claiming a delinquent balance and collection fee in the amount of {$250.00}. I made multiple calls to XXXX XXXX and to XXXX XXXX  in attempt to resolve the dispute. They were unable to explain the charge and were extremely rude to me, talking over me, threatening to destroy my credit, and even hanging up on me. They did not respond to my letters.
Attached is a copy of the Explanation of Benefits from my health insurance company documenting the emergency room visit and XXXX XXXX from XX/XX/XXXX. An examination of the XXXX XXXX records will show that I have not visited the club since that day. Also enclosed is my credit card statement showing two payments to XXXX XXXX for {$10.00} covering the months of XX/XX/XXXXand XX/XX/XXXX.
I request that this false item be removed from my credit report immediately, and that my credit score be restored to its prior-calculated value. I have had over 40 years of perfect credit, and it is inconceivable to me that an unsupported claim by a disreputable collection agency and local fitness studio for an erroneous {$190.00} charge should be allowed to diminish my credit score which has been consistently over 800 for many years.
Consumer complaint received 2022-04-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need this account deleted or updated. Thiis is the item I demanding to be deleted immediately : This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report Chapter XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my public record
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: InDebted Corporation (CA)

XX/XX/2023 I paid {$44.00} to the collection company XXXX XXXX for XXXX XXXX ). It was only reported to one of the credit bureaus. Its now XX/XX/2023. I have contacted them through emails, over and over asking them to report to other credit bureaus to show its been paid. No one has reported anything. They dont read emails that Ive sent to them. I just received a response to my email this afternoon and it says this account has been paid and that they are no longer managing this account and to contact XXXX XXXX Ive contacted XXXX XXXX months ago and they told me I need to contact the Collection agency. Back and forth, back and forth. Im trying to clean up my credit reports and its completely wasting my time going back and forth and it still doesnt get resolved. Im hoping to get this fixed. I have several emails showing the times Ive contacted them
Consumer complaint received 2016-01-15
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Consumer Portfolio Services, Inc. (NC)

I am receiving 2-3 call a day from various numbers but they will only leave one message. I am receiving calls as early as XXXX estate on Saturdays and Sundays. They call a friend and my son repeatedly throughout the day and gave them information about my payment being late and the amount due. I spoke with the customer rep and requested that they not call my job and they continued. I saw the number on caller ID and answered and requested for the number to be removed. I am no longer with the company and I was informed by a former colleagues they are still calling. I know I am delinquent but it appears that the interest has immensely increased.
Consumer complaint received 2022-02-24
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. (NJ)

This is so uncertain. It really gets on my nerves. I've submitted this complaint 4 times already & CFPB & TRANSUNION are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, I'm fed up with it. The following accounts listed below were opened due to identity theft. I've provided you ( CFPB ) & TRANSUNION with an affidavit & FTC fraudulent report to support my position. It seems TRANSUNION is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional  & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the accounts removed/blocked per 605b with the attached documents again... Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-07-19
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. (CA)

Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2024-03-08
Product: Credit reporting 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 XXXX XXXX consumer rights to privacy and confidentiality under 15 u.s.c 1681.. Account name... XXXX XXXX  ... Account # XXXX... .. Account Name... XXXX XXXX XXXX  ... Account # XXXX .... Account Name... XXXX XXXX XXXX... Account # XXXX ... Account Name .... XXXX XXXX XXXX .... Account # XXXX .... Account Name... XXXX XXXX. Account # XXXX ... Account Name ... XXXX XXXX XXXX XXXX  ... Account # XXXX .... Account name .... XXXX ... Account # XXXX .... Account Name... XXXX XXXX.. Account # XXXX .... Account Name... XXXX XXXX ... Account # XXXX XXXX Account Name .... XXXX XXXXXXXX ... Account # XXXX ... Account Name... XXXX XXXX ... Account # XXXX .... 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 an account without my written instructions.. 15 u.s.c 1681 c. ( A ) ( 5 ) section state : 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-30
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)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 an account without my written instructions.
Consumer complaint received 2022-08-30
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. (MN)

I went to a dealership was told credit would be pulled once and it was pulled 3 times. 
There is also an Inquiry form XXXX XXXX  that isnt recognized. thanks
Consumer complaint received 2022-02-24
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2016-09-09
Product: Prepaid card — Payroll card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC (NC)

I contacted Rush Card via the phone. Informed the rep that I had several codes and ask which promo would be bet for direct deposit. Gave the code, waited. Had problem setting up the direct deposit. Finally did and did n't receive XXXX $ sign on bonus. From XXXX I called daily being given th4e run around. I was told my code was invalid, I would receive the bonus. Needless to say when I informed the rep I was recording her rudeness she hung up. I was physically writing down her comments. I was repeatedly lied to and informed that I had been escalated and promised resolution and nothing.
Consumer complaint received 2022-02-24
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (NY)

In XXXX 2017 American Express did not explain policies with green card ... only being told there is no " credit limit '' ..when I asked the representative what would be my monthly charge? The representative said you only have to pay off what you spend..I then asked what if I 'm unable to pay it in full, will I be able to pay it monthly? The representative responded yes! You will only be charged {$27.00} late fee. I also asked will I be hounded? Will this effect my credit? The representative stated " only if you make absolutely no payments, which will have to happen constantly! " .... will in XX/XX/XXXX is was brought to my attention by repreated harassing phone calls stating I need to pay it all now!!! I would receive approximately 3calls a day. I finally spoke with a supervisor, after being told by a rude respresative " just pay your bill '', the supervisor apologized for being misinformed. He also assured that I would not have any issues moving forward. Within the same week both my American Express green card/ and regular American Express card were suspended ... I called to speak with another representative explained that both of your accounts are suspended due to none payment ... which was untrue ... paying over {$900.00} to both cards within a 2 month period. Also being charged late fees ... I requested to speak with someone in corporate ( with no call back to my several complaints and concerns ). Which has now resulted in a derogatory mark on my credit report!! Also to able to reactive my card I must pay {$780.00}, only {$410.00} is due ... my other card which has been paid nothing due
Consumer complaint received 2022-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please be advised this is my FIFTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite four previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$7800.00} and XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}.
Consumer complaint received 2022-08-30
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 is XXXX XXXX submitting yet another CFPB complaint to address the Credit reporting Agencies inability to verify the information being reported on my Credit Report as well inability to report accurate only information my Credit File. I previously sent a letter addressed to the Credit Bureaus requesting that the Credit Bureaus take their time to verify the information being reported on my Credit File. I believe I am victim of Identity theft and the items I am disputing were the results of such crime. I Started disputing my Credit File on XX/XX/XXXX under the provisions of the Fair Credit Reporting Act section 605b and the last letter I sent to the Credit Bureaus was dated XX/XX/XXXX. The Credit Bureaus have failed to remove the disputed items completely from my Credit report and insist that the information they report are accurate and verified. I do not agree with their findings and demanded proofs of verification for me to be able to verify the information myself. But the Credit Bureaus have also failed to send me copies of documents to support their claims. I am now submitting this CFPB complaint to order the Credit Bureaus to remove the disputed items completely from my Credit Report as soon as possible for they have failed to comply with my requests. I need the following items deleted immediately : 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 XXXXXXXX XXXX XXXX XXXX : XXXX XXXX, XXXX
Consumer complaint received 2022-08-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please block/remove this file. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-19
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. (FL)

XXXX can not provide me with a signed and dated credit application that proves that I requested a loan from them. They are putting the blame on another company, who also can not provide proof that I applied for credit with them. 
Please see my attached later. 
I am seeking damages for my consumer rights violation.