davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-05
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. (NC)

I wish to remove inaccurate personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. In addition, according to 15 USC 6802, no financial institution is supposed to share my information with a third party.

These are clear violations of my federally protected consumer rights. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX Account # 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 an 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 2022-05-05
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. (SC)

On XXXX XXXX I received a letter from the US Bankruptcy court in response to a letter I sent them in reference to requesting if they have submitted any information about the bankruptcy reporting on my consumer record. Us Bankruptcy notified me stating they do not supply any information to the credit bureaus. On XXXX I received notification from XXXX XXXX from my request prior to opt out, stated US Bankruptcy court did not furnish my personal information to their agency. XXXX XXXX the furnisher for public records deleted the bankruptcy from the agency records. 

On XXXX I submitted a letter to XXXX and Transunion requesting information from the bureaus. XXXX responded remain but Transunion have not submitted the results. XXXX have not properly investigated the account based on the fact the Furnisher who remove the bankruptcy. 
This a violation of my right for privacy. According to 15 USC 1681a ( e ) - this is a direct violation of my right for privacy.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

I have called XXXX, XXXX and Equifax many time because they keep making a lot of mistakes with my accounts. A lot of old debts that I have already paid a long time ago keep showing on my credit report. I send them the proof that I have paid those accounts a long time ago. But, regardless of that they do not fix it. In addition, my credit score never goes hired that XXXX XXXX XXXX XXXX. However, when they low it. They take even XXXX XXXX from the score. I think that very unfair. Please help me to fix this. Thanks!
Consumer complaint received 2022-03-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Hillcrest Davidson & Associates (SC)

I had a service contract with Fluent for 36 months starting from XXXX, XXXX XXXX thru XXXX, XXXX XXXX. For nearly four months or since XX/XX/XXXX prior to my end of termination date, I attempted several times to cancel my contract believing that I didn't have such a long term. With several phone and email exchanges between myself and Fluent - in XXXX of XXXX I was mailed a copy of my original contract. I did correct my understanding and agreed to fulfil the balance of my initial contract in lieu of paying cancellation fees or early termination fees as I was explained that I could cancel, but would still have to pay. I made it very clear that my intention was to not continue my contract and that was confirmed via several conversations and account notes as mentioned by the various representatives that I spoke with. Having my intentions clear - following my initial term, I continued to be billed on my credit card for the services I had cancelled. I reached out to the bank for them to put a hold or cancel my accounts affixed to Fluent and filed a claim with their fraud department. After a couple months of this activity - Fluent attempted to start collecting a debt on the account and implied that because I didn't issue a letter or fax to their business address that my account auto-renewed for another 36 months. I emphatically stated that my account had been terminated and that their product had been removed from my residence due and that they were no longer authorized to monitor anything about my property. This correspondence took place for several months whereby an automated or scripted response was issued about me owing for an additional contract because I didn't cancel 30 days before my initial term. Apparently and after the fact, this company implies that it will accept Fax ( electronic ) and certified mail as their only means for termination of a contract for which all correspondence for three years on this account were all by digital means ( phone or emails ). This company being fully aware of my intent to cancel well before the 30 day cancellation term didn't one time imply that they didn't understand my intent. In fact, their emails state that they do understand and had received my messages. 

After my initial term had expired- all future correspondence was every attempt to collect another 36 months worth of their services of which I do not want, and had made my position very clear. 

Outside of my position- there are several who are experiencing the same treatment from this company. Tactics of ignoring requirements until some position of leverage within their documentation support their position to force customers to continue or not be let out of their contracts. Examples of this can be provided upon request.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

This account was open fraudulent on XX/XX/XXXX. The original creditor name is XXXX XXXX XXXX. XXXX  XXXX XXXX  then sold this account to XXXX XXXX XXXX XXXX. 

The Address on this Contract is XXXX XXXX XXXX XXXX PA XXXX. 
In XXXX I was not living at the above address. 

At the time of this contract I lived at XXXX XXXX XXXX XXXX, PA XXXX. 

PLEASE NOTE : Attached is a Signed copy of my lease from XX/XX/XXXX - XXXX this is an official document. 

You are violating my right and causing harmed to my credit! 

First, failed to verify the identity once the application was approved. 

CFPB PLEASE HELP ME XXXX XXXX HAS QUESTIONABLE BUSINESS PRACTICE. 

ATTACHED IS COPIES OF MY LEASE STATED I NEVER LIVED AT THE ADDRESS THAT WAS PROVIDED WHEN THIS CONTRACT STARTED. 

I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) 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. 
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been verified then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against Equifax for violation of the Fair Credit Reporting Act and Defamation. 

I REQUEST THAT THIS ACCOUNT IS REMOVED FROM ALL CREDIT REPORTING AGENCY ASAP!
Consumer complaint received 2017-09-08
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: Experian Information Solutions Inc. (NC)

I sent XXXX a formal notice to cease a unauthorized hard inquiries into my credit report and, a formal demand that they immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have a illegal inquiries removed. I also made the aware that I did not sign any documents authorizing their organization to view my credit history therefore, the inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b (  c ) : Transactions Not Initiated by Consumer. 

However, I ask them to forward documents that they believe authorizes XXXX to make inquires into my credit report, I respectfully request a copy of this documents be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests within 15 business days. Also I will forward a copy of this letter to the Creditor Bureau 's.
Consumer complaint received 2023-03-08
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. (FL)

FIRST TRADING COMPANY added 2 late payment when Covid 19 was starting and everyone was struggling and i was never late on any payments this information it's completely wrong i try to fix this issue with the dealer and they said they can't help. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX # 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 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 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: VW Credit, Inc (CA)

pursuant to12 CFR Subchapter A part 202.4 per the FCRA and also 15 U.S.C 1681a ( 2 ) a-i The term " consumer report '' does not include : Any report containing information solely about transactions or experiences between the consumer and the institution making the report, any authorization or approval of a specific extension of credit directly or indirectly by the issuer Volks Wagon Credit Inc has furnished nonpublic personal information such as income and transaction history to credit reporting agencies. Such is considered income per the Internal Revenue Service Publications, Charge-offs/gains are considered taxable income, and my income is non-public personal information that Volks Wagon Credit Inc has furnished without my written or oral consent to the unauthorized agencies/non-affiliates XXXX, XXXX and XXXX. which are third party companies! In doing so they have also violated the Privacy Act of 1974 per 5 U.S.C 552a ( 4 )! Volks Wagon Credit Inc has reported from XXXX XXXX XX/XX/XXXX each month of transaction history furnished within this timeframe is {$1000.00} per violation per month pursuant to 15 U.S.C 1681n! I'm willing to settle for the said account being furnished to be updated to current and as paid as agreed.
Consumer complaint received 2022-05-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

1. I RECEIVED A DEBIT CARD FROM CAPITAL ONE BUT DID NOT OPEN IT 2. I CALLED CAPITAL ONE AND THEY FOUND THE ACCOUNT USING MY SOCIAL SECURITY NUMBER. 
3. SOMEONE OPENED AN ACCOUNT USING MY NAME, ADDRESS, SOCIAL BUT WITH A DIFFERENT PHONE NUMBER. 
4. CAPITAL ONE CLOSED THE ACCOUNT 5. I WILL REPORT IT TO THE POLICE 6. I AM CALLING XXXX AND XXXX I EXPECT CAPITAL ONE TO SEND ME CONFIRMATION THEY HAVE CLOSED THE ACCOUNT AND THAT THEY HAVE REPORTED THE CRIME AND REPORTED THE PHONE NUMBER OF THE CRIMINAL TO LAW ENFORCEMENT AND THE CFPB BECAUSE THEY WON'T GIVE ME THE CRIMINAL 'S PHONE NUMBER PLEASE HELP CATCH THE PERSON RESPONSIBLE. 

THANK YOU
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my 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
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX  I logged into my account to see the charges to make an extra payment on and above the monthly auto recurring payment and noticed that three disputed charges including two {$29.00} and XXXX cents from an unknown merchant were reposed to my account by Capital One I contacted Capital one and was told that on XX/XX/XXXX   a notice was sent to my capital one account dashboard to which I failed to respond. I was logged in while speaking with the representative and told her that I don't see any notices, did not receive any emails, no phone calls nor received any letters requesting more information. 

Please see 3 attached snap shots of my dashboard I asked the representative why don ' they send a simple encrypted email or a letter or just call my cellular? then she hung up on me. 
I called again & spoke with another rep who told me the same story and again I stated that there was nothing in my dashboard and asked to be connected to a supervisor. 
XXXX, a supervisor also insisted that a notice or letter was sent to my capital one dashboard on XX/XX/XXXX  and refused to give me her last name, office telephone, extension or employee ID nor her supervisors name.
Consumer complaint received 2022-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I reviewed my credit report and it showed multiple errors. The errors included incorrect names, addresses, accounts, and inquires that weren't authorized by me. I submitted multiple letters on XX/XX/XXXX, a second letter in XXXX as well as another letter XXXX XXXX, 2022. I haven't received any updates and this is affecting my life majorly due to them constantly reporting incorrect and fraudulent information.
Consumer complaint received 2022-05-05
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. (SC)

On XXXX XXXX I received a letter from the US Bankruptcy court in response to a letter I sent them in reference to requesting if they have submitted any information about the bankruptcy reporting on my consumer record. Us Bankruptcy notified me stating they do not supply any information to the credit bureaus. On XXXX I received notification from XXXX XXXX from my request prior to opt out, stated US Bankruptcy court did not furnish my personal information to their agency. XXXX XXXX the furnisher for public records deleted the bankruptcy from the agency records. 

On XXXX I submitted a letter to Experian and XXXX requesting information from the bureaus. Experian responded remain but XXXX have not submitted the results. Experian have not properly investigated the account based on the fact the Furnisher who remove the bankruptcy. 
This a violation of my right for privacy. According to 15 USC 1681a ( e ) - this is a direct violation of my right for privacy.
Consumer complaint received 2019-08-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

On XX/XX/2018.This debt collecting company LVNV reported this item on my credit. I sent out several validation letters to them and to the bureaus. with all that I ask them to send me to validate this debt, they did not send. I also sent a affidavit to this company for validation with no response.im looking at this matter as fraud.
Consumer complaint received 2024-03-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

I demand the immediate removal/blocking of the listed account due to identity theft, as mandated by FCRA 605B, within the specified time frame. Failure to comply will result in legal action, and my attorney is ready to hold you accountable for noncompliance. Take swift action and provide written confirmation of the resolution. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXBalance : {$0.00}. Please remove this account immediately.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
U S DEPT OF ED/XXXX XXXX XXXX : {$6200.00} - tied up DEPTEDXXXX XXXX Balance : {$0.00} - tied up
Consumer complaint received 2022-05-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (TX)

BSI Financial Services has collected {$2400.00} in escrow payments for insurance but has not paid the insurance for the property after multiple requests by myself and the insurance carrier. As a result, my insurance has been dropped and BSI has been non-responsive. It is important to note that BSI would not approve the mortgage loan unless the insurance and taxes were escrowed and included in my monthly payments, so their not paying the insurance after demanding the payments be escrowed is fraud and deceptive.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I am a victim of Identity Theft and this what happened On, XX/XX/XXXX, after I pulled my credit report, I found out multiple accounts that did not belong to me, months later, to be exact, on XX/XX/XXXX, I submitted my first dispute to the credit bureaus, I started my disputes to the credit bureaus very often, but so far since that time date, I have submitted package of Identity Theft XXXX time, Unfortunately, I pulled my updated credit report, and these accounts still appear : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX ( XXXX ), XXXXXXXX XXXX ( XXXX accounts ), XXXX XXXX XXXX ( XXXX XXXX ) ( tow accounts ), I want these accounts to be remove on my credit report, because it is affecting my ability to more credit cards.