davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-07-07
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX  Account # 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 2022-07-07
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

Experian took longer than 30 days & misled the verification process, Faulty investigation to credit reports even after suspending XXXX XXXX the right to share reporting. In accordance with Fair Credit Reporting Act, Experian has Violated my rights to share records without my permission. Delete Public Record Bankruptcy XXXX XXXX. In accordance with the Fair credit reporting act, Experian Violated my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions. In accordance with Fair Credit Reporting Act, XXXX XXXX XXXX Account XXXX XXXX has violated my rights. - Please delete this account based on inaccuracy & because, In accordance with the Fair credit reporting act, XXXX XXXX XXXX my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions. In accordance with Fair Credit Reporting Act, XXXX XXXXXXXX XXXX  # XXXX has Violated my rights. Please Delete XXXX XXXXXXXX XXXX Account from my credit profile. In accordance with the Fair credit reporting act, Company Violated my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions.
Consumer complaint received 2021-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2021, Wells Fargo rejected a check that I had written to the City of XXXX XXXX for a parking permit. The check was drawn from my checking account at XXXX XXXX XXXX. I verified with XXXX XXXX XXXX  that they had no record of Wells Fargo attempting to deposit the check and further communication shows an entry error on the part of Wells Fargo. I have attached the correspondence. My account had sufficient funds. As a result of the rejected check, I was required to pay a {$35.00} returned check fee to the City of XXXX XXXX. The city also required a money order to replace the original check.
Consumer complaint received 2019-08-02
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. (MS)

I have disputed the student loan account with XXXX for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

US DEPT  ED XXXX, US DEPT ED XXXX, US DEPT XXXX XXXX, US DEPT ED XXXX XXXX US DEPT ED XXXX and US DEPT ED XXXX
Consumer complaint received 2022-07-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bull City Financial Solutions, Inc (VA)

On XX/XX/18 I went to XXXX XXXX Virginia hospital East emergency room for XXXX XXXX pain. Mind you, I was diagnosed 2 days prior to this visit on XX/XX/18 with XXXX XXXX  from XXXX XXXX XXXX hospital in XXXX VA. 

Long story short, I did not have health insurance at this time and applied for financial aid help while I was waiting to be seen, I spent 10 hours in the emergency room where I NEVER saw the actual physician only his assistants who told me I had 3 large XXXX XXXX, I asked more than once for confirmation of the size and location only to be told there was actually only 1. 

From there I was told I was unable to receive any pain medication due to the rising opioid epidemic in Virginia. The other nurse who was working with me said that she was sorry and she knew I was in pain and would try to help get me some relief but the nurse refused. 

I left with THE WRONG DIAGNOSIS OF XXXX  including feeling ashamed/ embarassed of myself because I was being stereotyped as a XXXX XXXX and thought that I had done something wrong when I clearly had excruciating pain from XXXX XXXX. 

I then received a bill of almost {$6500.00} that I wrote a letter to dispute which was denied and then I waited apparently too long to pay them and I received a warrant in debt letter and then set up a {$170.00} payment plan dos they wouldn't garnish my wages and this has really affected my life finically. 

I'm writing you to ask that review the enclosed example dispute letter from a company I had asked to help me further dispute this bill. I did not have the funds available to hire them to represent me but I was given the sample letter. Please let me know if you think that you can help me further dispute this bill or if you can point me in the right direction of someone who can.
Consumer complaint received 2022-07-07
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Harris & Harris, Ltd. (KY)

My Consumer Rights have been and continue to be violated 15 U.S Code 1681b- Permissible purposes of consumer reports States that the only way a consumer reporting agency may furnish a consumer report would be in the response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceeding before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. also, in accordance with the written instructions of the consumer to whom is relates. I have never given written instructions nor have i received the order of a court for this to report on my consumer report 15 USC 1692 ( a ) The abusive debt collection practices contribute to the number of bankruptcies, to marital instability, to the loss of jobs, and to INVASIONS OF INDIVIDUAL PRIVACY.

15 USC 1692B Acquisition of location information any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- *Identify themselves *NOT STATE THAT SUCH CONSUMER OWES ANY DEBT *NOT COMMUNICATE BY POST CARD *NOT USE ANY LANGUAGE OR SYMBOL ON ANY ENVELOPE OF IN THE CONTENTS OF ANY COMMUNICATION EFFECTED BY THE MAILS OR TELEGRAM THAT INDICATES THAT THE DEBT COLLECTOR IS IN THE DEBT COLLECTION BUSINESS OR THAT THE COLLECTION RELATES TO THE COLLECTION OF ANY DEBT
Consumer complaint received 2021-06-14
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: AXOS FINANCIAL, INC. (OR)

I have been attempting to cash out a CD. Apparently the only way this can happen is by secure messaging on their website which is only answered by humans in XXXX. First they said to transfer the funds to an external account which I could not do. Then it was, no you can't do that but you can wire the funds to an external account which I could not do either. Now it's we can write a check but don't know when we will do this. I have talked to two representatives on the phone which say they have no idea how to handle CD 's and won't forward me to anyone who has any say in this problem.
Consumer complaint received 2021-06-14
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: M&T BANK CORPORATION (NY)

I did not authorize inquiries for this companies, I have never sign writen authorization. Inquiries have no permissible purpose. 
M & T Bank XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XX/XX/2020
Consumer complaint received 2022-07-07
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: EQUIFAX, INC. (GA)

equifax is reporting inaccurate information on my file after this complaint my next course of action will be to sue. I have never lived at the addresses that they have listed for example XXXX XXXX XXXX XXXXXXXX georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX GA, XXXX, OR XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA OR XXXX XXXX XXXX XXXX, GA XXXX. MY identity was compromised years ago and theyre police reports to prove it and i have only stayed at XXXX XXXX XXXX XXXX ga XXXX and i have been their for over 22 years this is a violation and it has hurt my credit report please have equifax to delete the
Consumer complaint received 2022-07-07
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. (GA)

n accordance with the Fair Credit Reporting act XXXX Account Name : XXXX Account # : XXXX, Account Name XXXXXXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # XXXX XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX  XXXX Account # : XXXX Account Name : XXXX XXXXL Account # : XXXX Account Name : 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 2021-06-14
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

My wallet has been stolen on several occasions and my information has been leaked in a data breach. Following these events, someone used my name, Social Security number, date of birth, and other identifying information, without my authority, to commit fraud on behalf of XXXX XXXX, XXXX XXXX XXXX, AMOUNT : {$2300.00}. 

I did not authorize or give consent to Experian, XXXX XXXX, XXXX XXXX XXXX or any other agency to furnish information related to me. 

Following my previous dispute, I was informed that XXXX XXXX, XXXX XXXX XXXX, AMOUNT : {$2300.00} was deleted from my credit report granted that it is a fraudulent account. I DID NOT AUTHORIZE THIS ACCOUNT! As such, it should be removed and blocked from my credit report. 

XXXX XXXX, Account NumberXXXX, has not been reported properly. After looking at past and present credit reports it has come to my attention that you have allowed this item to be reinserted into my credit file after it had been deleted. Based on the credit report dates the period during which this reinsertion took place was around XX/XX/2019. 

As has been noted, a credit investigation is supposed to involve reviewing documents, researching facts, interviewing witnesses, or comparing handwriting. During my previous dispute process, Experian did NOT conduct a meaningful examination of the underlying facts, which is a mere violation of the Fair Credit Reporting Act. Experians employees are no more than data entry clerks in the dispute and investigation process. Experian did NOT properly review any documents, research facts, or interview any witnesses, such as family, associates and/or neighbors.
Consumer complaint received 2022-07-07
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX Account # : XXXX High Balance : {$1300.00} Account Name : XXXX XXXX Account # : XXXX Account Name XXXX XXXX XXXXXXXX Account # : XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX  XXXX Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : 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 2022-07-07
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 Convergent Account Name : XXXX Account # : XXXX High Balance : {$1300.00} Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX  XXXX Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXXXXXX 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 2019-10-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

XXXX to XXXX I had mailed multiple attempts with certified written letters, and police reports. Regarding my identity fraud on the debt collections that is placed on my credit report. XXXX XXXX have not responded to none of my validation letters or police report and federal trade commission report that was certified mailed to them. The notarized signatures that goes with Id theft claim to. Only to my first letter that was sent out to them. However, they did receive my request, but nothing was done after that. within 30 or 60 days as well. My credit score dropped from XXXX to XXXX from this XXXX XXXX account and XXXX XXXX, XXXX XXXX that was reported on XX/XX/2019. On the other hand, they did removed the XXXX XXXX and XXXX XXXX on XX/XX/2019 but did not replace my points back where it should be, XXXX or maybe above. I have a good credit report file and my credit score shouldn't drop tremendously like that. I am fighting so hard to keep my credit score and report on the positive side. I feel the consumers should have way better protection. My fraud Identity theft, is not taking into a removal or into consideration. Additional to that, Experian has not respectfully taken my identity victim to fraud seriously I made multiple attempts and provided an police report, federal trade commission report, and proof of my identity documents to XXXX and XXXX and they thoroughly investigated my concerns and immediately removed the items that stated above. However, Experian is not removing the items that do not belong to me and not taking my identity reports into considerations. However, I am a Victim of Identity Theft. Every other creditor like XXXX and XXXX have removed the items off my credit report. XXXX Experian and the other credit bureaus on XX/XX/2019. I have communicated with Experian and XXXX XXXX multiple time in the past that I am a victim of Identity Theft and Experian and XXXX XXXX has not takem my case into consideration.
Consumer complaint received 2021-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have sent letters are letters to Trans Union, this will be my last because next I will be contacting my lawyer due to Trans Union will not provide me with the information that I have asked for over and over again. By law you have to send me something in writing. I asked Trans Union to verify were they got this information and they keep on sending me things that's already on my report. That anyone can see. I want something in writing to how did they get this not what's on my credit report. Failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC, XXXX, & CFPB. I am prepared to send this to all and a lawyer. Trans union will not send me anything in writing to were they got this information and from who. I have been asking for over a year. well as of today it's a demand not a request. I have attached paperwork of the things that they keep sending me trying to tell me they verified it. Ok from who? I sent paper work in from XXXX XXXX that stated they have no record of a bankruptcy in there files and trans union did not get it from them. Then I contacted the courts that they are claiming now that's where they got it from which is a lie also. I sent paperwork in from the courts also. Plus I sent in paper work from pacer. all I want to know is where did Transunion get there information and I want it in writing. Why is that so hard to do if Transunion claims they verified and it's right.
Consumer complaint received 2017-06-01
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On  XXXX / XXXX / XXXX  at  XXXX    XXXX   I spoke wit Transunion and spoke with  XXXX -Supervisor and explained that I was aware of the glitch that occurred in  XXXX  and again early  XXXX . The problem that occurred i s TransUnions ', not  mine. I should have been notified prior to re-adding inquiries back to report, I did reach out in good faith asking that they are removed due to re-added illegally. As this is hurtin g my credit score an d adding hardship and my rights were violated by Transunion and victimizing myself. Please remove all of the inquiries permanently from my report
Consumer complaint received 2021-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (MA)

HI Sequium Asset Solutions ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association an