davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-15
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. (TX)

In accordance with the Fair Credit Reporting act 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 2022-05-15
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  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 2022-05-14
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. (MD)

In accordance with the Fair Credit Reporting act 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 15 U.S.C 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 2022-12-16
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. (RI)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : 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.
Consumer complaint received 2022-05-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (PA)

Some one named XXXX XXXX used my email address and social to open a new account with Truist. Probably trying to collect unemployment. This is the fourth different bank this perp has used to try and open with my name.
Consumer complaint received 2022-05-14
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. (MD)

XXXX XXXX Account # XXXX has been published without my written or verbal consent which violates my privacy and multiple laws pertaining to thus. 

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 2022-05-14
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. (MI)

In accordance with the fair reporting act XXXX account number XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX account # XXXX, Dept of Ed Account # XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 sec 602 A. states i have the right to privacy. 15 USC 1681 Sec 604 A Sec 2 : states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-02-15
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: Experian Information Solutions Inc. (FL)

The Following inquiries do not belong to me. Please delete from my report immediately XXXX, XXXX XXXX Bank XXXX XXXX XX/XX/year> Experian XXXX. XXXX XXXX Bank XXXX XXXX XX/XX/year> Experian XXXX. XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX XXXX Credit Unions XX/XX/year> Experian XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> Experian XXXX. XXXXXXXX XXXX  XXXX. 
All Banks - non specific XX/XX/year> Experian
Consumer complaint received 2022-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

Experian violated my rights... In accordance with The Fair Credit Reporting Agency Act 15 U.S.C 1681 section 602 A States that 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 consent. Experian has the incorrect address, DOB and telephone number listed on my report. I advised them that the information was correct and nothing was done. They put a fraud alert on my report and the fraud report is listing an incorrect phone number to call me at. Experian should not reach out to 3rd, 4th and 5th parties to verify information about me. Per the FCRA my report needs to be 100 % accurate. Proof of address attached.
Consumer complaint received 2022-05-14
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (FL)

In XX/XX/XXXX TD Bank XXXX  issued a credit card to someone in XXXXXXXX XXXX XXXX XXXX XXXX, MD,XXXXXXXX in my name for XXXX XXXX  ( high end watches and jewelry ). I started noticing in XX/XX/XXXX that my credit score going down so I looked up my credit report and found this issue. The scammer charged {$5000.00} on XX/XX/XXXX and never made any payment. I have been living in XXXX for last 32 years which shows on my credit report with the same phone number for last 20 years. No one from TD Bank reached me via call or email if I have applied for the credit card. Any ways in XX/XX/XXXX when I finally realized hat I am an identity theft victim I started making call to TD Bank and submitted fraud application to them. TD bank finally replied on after 4 weeks and wrote they have insufficient evidence to substantiate my claim and attached a receipt which has completely different signature on it. It was in in store purchase in XXXX XXXX XXXX XXXX XXXX, NY XXXX. I called at the store and they told me they can provide in store surveillance video showing the buyer to TD Bank. No response. In fact they turned that fraudulent account to debt collection.
Consumer complaint received 2022-05-18
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)

The credit bureaus stated Account Name US Dept of Education Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. US Dept of EducationXXXX Account XXXX XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. US Dept of EducationXXXX Account XXXX XXXX, # XXXX. XXXX XXXX  Account # XXXX, was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate, dates and deferments were filed before all was reporting as defaulted. It should be in deferment not default. 

They also violated my rights under 15 USC 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

They violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ) : The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Consumer complaint received 2022-05-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

Direct Student Loans and XXXX XXXX XXXX XXXX XXXX ( XXXX  ) The purpose of message is to make a complaint against Navient. Navient has managed my school loans I took out since XXXX. The complaints are as follow : 1. I have been paying my loans for many years, now on an XXXX  plan, and I still owe 164 % of what I borrowed in student loans because Navients advice to go into forbearance. 
2. Due to Navients advice to choose forbearance, my loan balance and monthly payments grew due to interest capitalization causing more economic hardship 3. My private loans and federal loans were placed into forbearance starting in XXXX instead of offering an XXXX plan available during a time when I had difficulty making my student loans payments. 
4. Some of my XXXX loans were consolidated without my consent. As a result, they have now become private loans. 
5. Navient and other loan servicers did not provide accurate records of my progress toward forgiveness through XXXX plans and have not had a way to track my progress towards paying off my student loans. 
6. With the split of my loans to XXXX, inaccurate application of my payments have been made. 

Thank you
Consumer complaint received 2022-05-14
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account 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 2022-05-14
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. (GA)

Equifax has placed my brother 's XXXX XXXX XXXX XXXX loan account under MyEquifax account. I have never applied for a loan nor have I applied for any line of credit. My brother 's XXXX XXXX XXXX loan account is dated for XX/XX/2020. It is a paid and closed account. The amount was {$3500.00} His loan account details need to be separated from. 
Equifax also has our information crossed. My brother and I have tried to get Equifax to resolve these issues, and we are having a hard time getting them to understand that we are two different people.
Consumer complaint received 2022-05-14
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: Shellpoint Partners, LLC (TX)

Im having an issue with shell point mortgage they added escrow to my account despite me being 100 % totally XXXX veteran making me XXXX exempt from the taxes on my home. I have talked to the company and they have agreed to to fix my credit report from showing 2 missed payments which is killing my personal credit. XXXX did an investigation into my mortgage payments being flagged as 2 missed payments delinquent and didn't change anything despite the information being incorrect on my credit report. I have never missed a payment on my loan and asked them to fix the situation. I already spoke with the mortgage company about this now I'm looking for a quick resolution.
Consumer complaint received 2022-05-14
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account 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 2022-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I was called by Capital One for a fraud alert, asking if I tried to open up a credit card. I currently use Capital One for Checking And Savings Accounts. I informed them that I was not and to cancel the account and I proceeded to freeze my credit with all 3 credit bureaus.I noticed there was a hard inquiry on my credit report. I was instructed by Capital One to dispute the Hard Inquiry. After I disputed it, I was informed that Capital One stated that it was factual. I want the Hard Inquiry removed from my credit report.
Consumer complaint received 2022-05-14
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: EQUIFAX, INC. (FL)

I, XXXX XXXX, sent request for " Description of the procedures of re-investigation '' was received by Equifax on XX/XX/2022 for several accounts currently showing on my consumer report. Re-investigation by federal law are to be completed within 15 days. I do not give consent to extend this time. in addition my Full XXXX File was requested Not completing both request is a violation of my Federal Rights Also, Equifax did NOT block information under section 605B of FCRA. Equifax has my proof of Identity from previous dispute letters. Also, I gave specific information that is a result of the identity theft AND i submitted an Identity Theft report
Consumer complaint received 2022-10-27
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. (IN)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 2022-05-14
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account # 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 2022-05-14
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. (MD)

In accordance with the Fair Credit Reporting Act, 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
Consumer complaint received 2022-05-15
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. (CA)

in accordance with the Fair Credit Reporting act 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 2023-03-20
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: CLGF Holdco 1, LLC (CA)

In accordance to the Federal Credit Reporting Act this creditor has violated my rights under 15 u.s.c 1681 section 602 states I have the right to privacy. 15 u.s.c 1681 section 604a section 2 it also states that consumer reporting agency can not furnish an account without my written instructions. Under 15 u.s.c 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-15
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: Avant Holding Company, Inc. (PA)

I received an unwelcome notice from XXXX of a XXXX point decline on my credit report. This change occurred because an entity named " XXXXAvan '' imposed a " hard inquiry '' on my credit. I am not seeking credit, I have no relationship with the financial entity and did not authorize any inquiry. I requested that XXXX remove the inquiry but was told they need a deletion letter from the company that made the inquiry. 

I wrote to XXXX requesting a deletion letter and they said they could not provide one because while they are the " lender '' they partner with other financial entities and only their partner has access to my customer and account information. So I wrote to Avant LLC, even though I am not their customer, but did not get satisfaction. 

I find this whole experience very unsatisfying. What right do they have to impose this on me without my authorization. When I ask each entity to correct the problem they all point the figure at someone else. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-15
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: Experian Information Solutions Inc. (MO)

I am writing to express my deep concern and frustration regarding the persistent attempts to remove the late closed status from my account with Credit Bureaus. Despite numerous notifications and efforts to address this matter, it seems that these attempts continue unabated, causing significant inconvenience and uncertainty. 

I have diligently worked to resolve any outstanding issues associated with my account, including addressing the circumstances that led to the late closure. Through proactive communication and adherence to payment agreements, I have sought to rectify the situation and demonstrate my commitment to responsible financial management. 

However, despite my efforts, I have observed multiple instances where the late closed status has been inaccurately targeted for removal from my account. These unwarranted attempts not only misrepresent my financial history but also undermine my efforts to rebuild my credit standing and regain financial stability. 

I urge Credit Bureaus to conduct a thorough investigation into the root causes of these persistent attempts to remove the late closed status from my account. It is imperative to identify any systemic flaws or errors in your processes that may be contributing to these inaccuracies and take immediate corrective action. 

Furthermore, I request transparent communication and documentation regarding the justification for each removal attempt. 

I also seek assurance that appropriate measures will be implemented to prevent future occurrences of such inaccuracies. This includes strengthening internal controls, enhancing staff training, and implementing robust validation processes to ensure the accuracy and integrity of customer account information. 

I expect a prompt and comprehensive response to this complaint, outlining the steps that Credit Bureaus will take to address these concerns and prevent their recurrence in the future. Failure to do so will compel me to escalate this matter to relevant regulatory authorities and seek redress through legal channels. I am asking for your assisstance to remove this account in my credit file : XXXX. XXXX XXXX  XXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary.