davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-27
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)

I am grateful for the efforts the Credit Bureaus have done with my Credit Reports. I value the Credit Bureaus ' help to REMOVE a portion of the data on my credit file that came about because of a FRAUD yet I have Accounts and information left that should also be taken out or removed. Per FCRA section 605b, the Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. Under the provisions of the FCRA section 605b, I am in need for the removal of the following fraudulent items completely from my Credit report : 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 XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-27
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)

This is XXXX XXXX submitting another CFPB complaint to you today to address the remaining unauthorized inquiries being reported on my Credit report, I appreciate the immediate removal of the inquiries from my Credit report, but it seems like there are some inquiries left on my Credit File that should also be taken care of. Once again, I was a victim of identity theft and the inquiries I am disputing were the results of such crime. I have read that under the FCRA section 605b, the Equifax Reporting Agency is required to remove any accounts and information that resulted due to identity theft. Please remove the following unauthorized inquiries completely from my Credit Report : 1. XXXX XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (CA)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights 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
Consumer complaint received 2022-07-05
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. (PA)

In accordance with the Fair Credit Reporting act US DEPT ED 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
Consumer complaint received 2019-08-01
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: EQUIFAX, INC. (CA)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights XXXX XXXX XXXX, XXXX, XXXX, DEPT OF ED, XXXX/XXXX, XXXX, XXXX/XXXX, XXXX XXXX,
Consumer complaint received 2024-02-29
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. (FL)

I am not liable for the de

bt with XXXX XXXX. I no longer have a contact with XXXX XXXX. This is a violation of my privacy and tarnishing my reputation - 5 U.S.C 1681 SECTION 602 A. States I have 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 co
nsent. 

This was also reported to the XXXX XXXX XXXX
Consumer complaint received 2022-10-11
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)

I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
XXXX XXXX XXXX XXXX ( g ) validation of debt XXXX XXXX XXXX XXXX harassment and abuse XXXX XXXX XXXX XXXX False or misleading representations XXXX XXXX XXXX XXXX practices Under XXXX XXXX XXXX XXXX civil liability
Consumer complaint received 2022-07-05
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. (PA)

In accordance with the Fair Credit Reporting acXXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX 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 a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-05
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. (PA)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-02-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

My mother passed away in XXXX of XXXX and Im still in shock! I filled out forms requested by her insurance company in XXXX of XXXX. I mailed them in but wasnt sure when I or my bank, Chase N.A., would receive the payment. I was still numb! 
I walked into my bank on XX/XX/XXXX or XXXX, to find my account was closed and the woman who closed it had also opened it and she was angry with me. I threatened to call the police because the manager handed me an internal statement that showed an enormous deposit and he kept telling me there was no funds in the account. 
Ive contacted Office of Personnel management, but they tell me absolutely nothing over the phone and they are located in Virginia. The deposit just vanished. Ive contacted the Federal Bureau of Investigation. You are another resource in case they tell me they can not help. I also filed a complaint with the comptroller of the currency in New York but I may have gone to the wrong department. Please help XXXX XXXX
Consumer complaint received 2022-02-12
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: EQUIFAX, INC. (NE)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 3. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX  Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 4. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violaon not reporng 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of accoun XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report.

6. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX  Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Consumer complaint received 2022-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

This company keeps putting missed payments to keep putting on my report. Also company broke many laws I was never notified of a repo my ex wife was supposed to take over payment. Never was notified when it got repoed to have a chance to but it back up. Now was closed in 2017 but they keep trying to add different close dates to keep it on you can see two different dates on the report
Consumer complaint received 2020-09-15
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. (IL)

XXXX  and TransUnion are fraudulent on my credit  XXXX XXXX XXXX  XXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX/XXXX  is fraudulent on my Acct # XXXX.
Consumer complaint received 2018-07-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (IL)

I purchased a car through Chrysler Capital on XX/XX/XXXX. The Car was inoperable just weeks after purchase. There were repeated break downs of the vehicle and being unable to pay the monthly note and repairs. I appealed to Chrysler Capital about my situation. They offered me extensions, and deferred payments plans. I took them out of desperation. Along with this offer I did not receive the required disclosures explaining the terms, costs, fees, interest, associated with the deferred payment and extension plans, in itemized detail. The disclosure I received from Chrysler Capital did not consist of this type of information. I would not have consented, had I been warned of the risks involved. There is an outstanding balance due to this. 

The vehicle is faulty. There was a recall for the ignition switch. I have problems repeatedly with the parts that connect with the ignition. This is a case of miss selling and usury. I'm totally dissatisfied with this vehicle. I feel as though my civil rights has been violated according to the TILA Act. Interest will continue to accrue on the remaining balance. My initial maturity date was XX/XX/XXXX. Chrysler Capital stated that I would have finished paying for the vehicle had I not utilized their deferred payment and extension plans. I am seeking relief from the outstanding balance.
Consumer complaint received 2023-07-19
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. (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. 

XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$2800.00}. 
XXXX XXXX XXXXXXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$14000.00}. 
XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$7500.00}. 

I could not apply for an auto loan because of the negative items I have on my credit report.
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (GA)

I've been in contact with this company as well as the credit bureaus to advise that information that they're reporting on credit report for 2 Navy Federal accounts. Once account number is XXXX and the other one account number is XXXX. I've been advising them that the accounts aren't mine, and they're reporting the accounts as Navy Federal accounts on my credit reports, but I keep getting collection notices from in the mail from XXXX stating that they're the creditor for these accounts. I never received anything from Navy Federal even after my letter to them. I sent letters to their P.O. Box address that they have listed on my credit report and also their direct physical address that they have listed on my credit report, and again I didn't get a response from them at all! How is it that XXXX  is stating they're getting responses from Navy Federal, but Navy Federal hasn't responded to me AT ALL???? There's no way possible that these accounts can have 2 creditors for each individual accounts. By law, only one creditor is allowed to report this account and that creditor must say XXXX since they're the ones trying to collect on this account. Please remove these inaccurate accounts from my credit report. XXXX  advised in the last dispute that they made that change, but that is also incorrect information. As you can see from the credit report attached to this claim directly from XXXX, the information still is reporting the same. This is a violation of my consumer rights and I will be taking legal action if this is not removed in this last attempt to resolve this matter. Also, if this account was closed and sold to a collection agency it shouldn't still have payment history reporting on these ; this is also a violation.
Consumer complaint received 2022-07-05
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. (GA)

In accordance with the Fair Credit Reporting Act 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.
Consumer complaint received 2022-07-05
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 XXXX XXXX I, 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 2021-08-23
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (AL)

I spoke to them again today XX/XX/2021 about this debt. Ive spoken to them several times about this debt because theyve threatened to file a lawsuit against me. Today I spoke to the original debtor who told me I owed {$53.00} which is fine I have no problem paying that. ComenityCB/XXXX  is who the XXXX XXXX is actually through and they say I owe over a {$1000.00}.
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 is missing that should be on the report
Company: Experian Information Solutions Inc. (CT)

Experian.com and Experian XXXX XXXX are not collecting credit data they say because I don't have a premium account with them and it is affecting how others see my credit worthiness. Also, am a XXXX  citizen and a XXXX veteran as well as a victim of a breach with both XXXX and XXXX. 

I have attached a recent email communication from Experian XXXX XXXX in XX/XX/XXXX advising me that, " Everything looks good '' as they are required to monitor my information for Identity Theft. 

I notified Experian and have attached their reason via email for not monitoring, XXXX XXXX in email from Experian stated that " they have not been monitoring my credit because I cancelled my Premium account with them in XX/XX/XXXX. ''
Consumer complaint received 2022-03-21
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. (OH)

I requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and an FTC report just like the bureau requested before and I still havent received any original contract, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on the file between me and this company.
Consumer complaint received 2022-02-12
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. (GA)

There are several bankruptcy filings on my Transunion credit report that are not authorized as being reported on my credit report. Transunion LLC and XXXX XXXX are violating 15USC 1581.2. 

The United States Bankruptcy XXXX XXXX XXXX XXXX Georgia has provided information to XXXX XXXX and they are reporting it on my credit report without my permission. As of XX/XX/XXXX, XXXX XXXX have been required to suppress all of my information from XXXX XXXX products and services. Unfortunately, that has not happened. After disputing the unauthorized information on my Transunion credit report on XX/XX/XXXX, somehow XXXX XXXX continues to provide suppressed information to Transunion. After confirming that the bankruptcy court has provided this information to XXXX XXXX, I demand that all information from the following cases be removed from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX GEORGIA DOCKET # XXXX XXXX XXXX XXXX GEORGIA DOCKET # XXXX XXXX XXXX XXXX GEORGIA DOCKET # XXXX XXXX XXXX XXXX GEORGIA DOCKET # XXXX My other credit reports have been purged from this information, due to suppression. However Transunion LLC continues to report this suppressed information and therefore they are in violation of Federal Law. Please remove immediately or further action will be taken with the XXXXeorgia Banking Commission and Federal Trade Commission.
Consumer complaint received 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

In XX/XX/XXXX I contacted all ( 3 ) Three Credit Bureaus, over the phone and also online submitted dispute ( s ) pertains to all of the incorrect information on my file. ( It was brought to my attention that my identity had been breached. ) See Below ; ( None of the addresses on file are correct ) My only address is XXXX XXXX XXXX XXXX XXXX La. XXXX Need to be Removed ( See Below ) XXXX XXXX XXXX XXXX XXXX, LA XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX LA XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX, LA XXXX XXXX Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX My Only XXXX # has been XXXX Please Remove Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Account that were Never Mine : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTE : According to Code U.S.C 1681 Sec. 602A States that I have the Right to privacy.

U.S.C 1681 Section 604 A Sec. 2 My Privacy should be furnish without my written consent.
Consumer complaint received 2022-07-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MORTGAGE SOLUTIONS OF COLORADO (AL)

Our loan was sold to XXXX XXXX by mortgage solutions of Colorado. However we werent told who to make payments too until XXXX and the loan was sold in XXXX. As soon as I found out who to make the payments too I sent both payments at one time to catch it up. Now it is showing on my credit as late payments.
Consumer complaint received 2021-06-15
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

the following accounts appear on my credit report, without any authorization, it is hurting me, please review them XXXX XXXX XXXX  XXXX. 
Account Number : XXXX This is not mine. 
XXXX Account Number : XXXX This is not mine. 
CAPITAL ONE BANK USA N.A. 
Account Number : XXXX This is not mine. 
XXXX XXXX XXXX, XXXX. 
Account Number : XXXX This is not mine.
Consumer complaint received 2020-02-13
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. (TN)

I recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need these items deleted from my credit report XXXX AND US DEPT ED. I see a couple of inquiries as well that I don't know about as well XXXX/XXXX, XXXX, XXXX  XXXX, XXXX/XXXX. I have contacted the police and the FTC.