davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I am writing to dispute a hard inquiry listed on my credit report, which I believe to be unauthorized. I have not applied for any credit or services from the creditor listed and did not authorize any hard inquiries on my credit report. This inquiry is inaccurate and has a negative impact on my credit score.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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.

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 2022-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

It is my Natural Born Lawful Right under Federal Law of the Fair Credit Reporting Act, Pursuant to Title XXXX chapter XXXX. to Assign, Demand, and Direct Any Communication with any individual Company or organization. Compliance and to Act in Good Faith. your Company Must Comply to Federal law. I recently Checked my Credit Profile, and I have found Evidence of Unauthorized accounts. On my credit Profile that is Currently being reported with out my express written Consent From your Company and the Parties that furnished Data to you. It is your companies duty to carry great responsibilities of furnishers information. Pursuant to Title 15 USC Code 1681s-2. it is the furnishers duty to provide accurate and true information on a consumers profile. pursuant to Title 15 USC Code 1681s-2 ( 1 ) ( A ). your company is in Full acknowledgement of errors, and continued to report so I enable identity theft. And damages of {$100000.00} a day Fine for personal information being stolen or used without my express written consent.
Consumer complaint received 2022-03-19
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. (TX)

XXXX RE : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter sent to : XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) BALANCE : {$410.00} STATUS : DEROGATORY ACCOUNT # XXXX Account # To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPPA. 


XXXX  XXXX XXXX did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.
Consumer complaint received 2024-04-08
Product: Credit reporting 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. (NE)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
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 — Investigation took more than 30 days
Company: CCS Financial Services, Inc. (SC)

I am in the process of purchasing a home and I have a debt that is reporting on my credit report. The debt has a zero balance but the negative remark is hindering me from taking the next step. On XX/XX/2021, I wrote XXXX and XXXX about the concerns. I did not receive a response. On XX/XX/2021, I wrote Credit Collection ( the credit collection agency ), I also have not received response from them. On XX/XX/2021, I wrote XXXX and XXXX again. I still haven't received response. I need this debt removed from both bureaus immediately. I will attach proof of letters sent along with certified tracking numbers. 

Certified Letters : XXXX XXXX Credit Collection-XXXX
Consumer complaint received 2022-03-19
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. (TX)

XXXX RE : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter sent to : XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) BALANCE : {$410.00} STATUS : DEROGATORY ACCOUNT # XXXX Account # To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPPA. 


XXXX  XXXX XXXX did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.
Consumer complaint received 2022-03-19
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. (MN)

In XX/XX/XXXX I was going to get furniture on a rent to own basis from XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX ). I was unable to take delivery of the furniture as it was too big. I never owed them any money but they had already sent information to Experian. XXXX months later I discovered this when I tried to obtain credit elsewhere. I submitted a a paper dispute with Experian and the response I got was that the reporting business said it was reporting correctly. I then called XXXX XXXX XXXX directly. An investigation was started and I was ensured that it would be corrected as it was definitely incorrect. When I obtained a copy of my report in XXXX of XXXX, the account from XXXX XXXX XXXX XXXXXXXX was still showing on my Experian report. XXXX XXXX XXXX started reporting {$1900.00} in XX/XX/XXXX. My Experian report shows " Exceptional '' payment history since XXXX however, since I didn't owe anything and no payments have been made, {$1900.00} balance remains unchanged ( rather ironic to have exceptional payment history on an account that doesn't/should n't exist ). I called Experian on XX/XX/XXXX and opened another dispute for the same blatantly incorrect information. Less than XXXX hours later I get an automated email that says that the information on my report is reporting correctly per the company. So I called yet again on XX/XX/XXXX. Stated all the above information yet again, adding that I get automated responses indicating the information on my report is reporting correctly. I told the agent that someone needs to contact XXXX XXXX XXXX directly and talk to a human as that obviously wasn't done when I called on the XXXX. I said I don't not want to get another automated response. She assured me that it wouldn't happen this time because she put everything I told her in the dispute and assured me it would be corrected and removed from my report. So now, at XXXX am, less than XXXX hours after the dispute was opened, I get yet another automated response saying that the has indicated that the information is reporting correctly. I keep going around and around. The {$1900.00} has been reporting incorrectly for XXXX years now. it is hurting my credit it the longer it is on my report. I'm working hard to correct my score and it's hard enough with having almost XXXX that I don't know reporting as debt. I will be trying to purchasing a house in the 3 months, I need this off my credit report ASAP. I must have some recourse here. XXXX XXXX XXXX and Experian are in violation of the fair credit reporting act? Can they get away with the detrimental effects it's having on my credit for XXXX  years. Please Please help me
Consumer complaint received 2019-08-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (DC)

A collection account from IC systems has been reported on my XXXX   and XXXX  credit report on behalf of XXXX XXXX, however I have previously disputed a different collection agency attempt and had it successfully removed from my credit report because the debt is not mines and could not be verified per the 3 credit bureaus. IC systems is also in violation for failing to inform me in writing that they were attempting to collect a debit and allowing me time to formally respond in writing if the debt was actually a debt that i owed. Therefore i request that this account be immediately removed from my XXXX  and XXXX credit report.
Consumer complaint received 2022-03-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (FL)

I recently purchased a new phone. XXXX XXXX XXXX had asked me to mail in my current phone. They said that I'd be charged a fee if I did not return it. I immediately sent the phone back, as requested. I assumed everything was handled. We are in the middle of purchasing a new home and I was asked about a collection item that is from AFNI. After further research, I see it was a charge from this phone. XXXX & XXXX is claiming they did not receive it and have charged me this fee. Now AFNI is attempting to collect from me. This is an invalid debt. This needs to be handled immediately. If this matter is not handled immediately. I'm not in jeopardy of not qualifying for this home and if we do, the interest rate is going to be considerably higher than it should be.
Consumer complaint received 2022-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report.

Failure to do so is a violation of my rights.
Consumer complaint received 2022-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (NY)

In XXXX, XXXX I purchased XXXX XXXX Door Shade for my home in Florida. I put a {$610.00} deposit on my TD Business Credit Card. I tried to get the company XXXX XXXX  and XXXX XXXX in XXXX, Florida to install in XXXX, XXXX and XX/XX/XXXX. In XX/XX/XXXX when they did not deliver on their contract and nothing was installed I contacted the cc company and started a dispute ( XX/XX/XXXX ). The " scam '' company sent an email to me saying they would not dispute the dispute and would refund the money ''. I provided this to the cc company., TD Bank XXXX Today, they denied the dispute due to the timing of the filing of the dispute. I am fully aware of the XXXX/XXXX timing guidelines. However, I was in good faith trying to resolve this with the company. I asked the Bank to " chargeback '' the deposit payment. They offered to file an appeal but nothing else. This would never happen with XXXX XXXX. XXXX values their customers and works to solve their issue. All TD did was spout timeframes for dispute filing to me. I have done my due diligence and contacted the bank several times, spoke to telephone reps as well as supervisors to no avail. Absolutely unacceptable since I have been trying to resolve following proper procedures since I exhausted every avenue to have this company XXXX XXXX XXXX deliver on their contact. I now believe this shutter company to be a " fraud ''..
Consumer complaint received 2022-03-19
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. (VA)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. 
Failure to do so is a violation of my rights.
Consumer complaint received 2022-08-26
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. (WI)

Account was registered with delinquent with credit bureau. In XXXX of 2022 I went into a six-month forbearance with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX is the lender. At the end of the forbearance I was told that the total six month amount was due and is considered past due. I argued that this is not what I agreed to. I was immediately put on a flex plan and told I could pay my regular mortgage amount. However XXXXXXXX XXXX reported this to the credit bureau as delinquent. 


COVID-19 : Is HUD suspending credit reporting for FHA-Insured mortgages on a COVID-19 Forbearance? 
Any Borrower who is granted a COVID-19 Forbearance and is otherwise performing as agreed is not considered to be delinquent for purposes of credit reporting. 

FHA requires Mortgagees to comply with the credit reporting requirements of the Fair Credit Reporting Act ( FCRA ) ; however, FHA encourages Mortgagees to consider the impacts of the COVID-19 pandemic on Borrowers financial situations and any flexibilities a Mortgagee may have under the FCRA when taking any negative credit reporting actions.
Consumer complaint received 2022-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. 
Failure to do so is a violation of my rights.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TD BANK US HOLDING COMPANY (FL)

To whom it may concern : I reached out to Target corporation asking if a late payment removal could be removed from my credit report and the representative told me there was nothing they could do without even looking into it. I have been a Target RedCard holder since XX/XX/XXXX and I always pay my bill on time because I understand my financial obligations and if it wasnt for me losing my job in XXXX of XXXX I wouldve paid the payment the XX/XX/XXXX, XXXX XX/XX/XXXX statement period. I am now employed again and willing to pay all of my financial obligations. I have made my account current with a payment today and just wish yo have this one time late reporting off my credit profile.
Consumer complaint received 2022-03-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION (FL)

I have been reporting on a Fraudulent Loan against my home. I have had several conversations with Suntrust that illegally transferred debt to my home through two different mortgage accounts. I have had the first mortgage investigated by XXXX. XXXX that confirmed there was not a mortgage against my home. It is not on my credit report etcetera. Then in XX/XX/2021 I was alerted that a fraudulent lien against me had been recorded in XXXX XXXX. I have reached out to Suntrust and Truist for a pay off or record of missed payments and they have refused. I contacted XXXX. XXXX of Truist once again to research this second fraudulent mortgage with no answer. XXXX XXXX XXXX used fraudulent documents and information he sent to Suntrust Legal Department about how and why I was responsible for this new Heloc loan. He reported that I agreed to this mortgage through Probate that has been reopened and Judge XXXX XXXX did not rule for or against my suit against XXXX XXXX, He retired to not rule against a colleague that was in default and had acquiesced. In civil court he was able to win legal fees but after I filed a formal complaint against XXXX XXXX XXXX for denying equal and fair justice and Bias against me as the XXXX self represented. The court ruled that XXXX XXXX had to dismiss his case for legal fees which he did. However, XXXX XXXX XXXX allowed XXXX XXXX to schedule another hearing while denying the Plaintiff to be heard at all. This will be XXXX XXXX third time being heard in private, telephonically while the Plaintiff was refused equal protection under the law. XXXX XXXX never removed his legal fees. So he has once again is trying to get legal fees from three different judges. XXXX XXXX has had the upper hand because he has been able to use XXXX XXXX that have allowed him to record and behave as a thug and criminal. He can use a XXXX in XXXX XXXX to file for Bankruptcy to avoid taxes and public records and judges to remove him and destroy XXXX XXXX XXXX XXXX XXXX mortgage fraud lawsuits. He has worked in XXXX XXXX till a death occurred but still have gone unpunished. The multiple dockets, rotations of judges and personal representatives in public records XXXX XXXX and XXXX XXXX XXXX has been his accomplices in his crimes against me. Down to the fact he had a docket that was unknown to me where my Irrevocable Marital Trust was destroyed. The legal fees and fraudulent documents and NO OVERSIGHT HAS ALLOWED XXXX XXXX TO GET AWAY WITH EMBEZZLEMENT AND MORTGAGE FRAUD AGAINST ME AT A COST OF OVER XXXX XXXX DOLLARS. XXXX XXXX CO-CONSPIRATORS MUST BE BROUGHT TO JUSTICE TO PROTECT THE PUBLIC. SUNTRUST NOW TRUIST MUST RELEASE THE {$0.00} BALANCE THAT XXXX XXXX AND XXXX XXXX OF XXXX SC SIGNED WAS PAID OFF UNDER PENALTY OF PERJURY. XXXX XXXX. XXXX MUST RELEASE THE PAY OFF OF THIS FRAUDULENT TRANSFER. Under the law or be held accountable.