davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-17
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: Verisk Analytics Inc (FL)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-05-06
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. (WY)

XXXX XXXX XXXX at address ( XXXX XXXX XXXX, XXXX, WA XXXX ) has been sending me collection notices in the amount of ( {$100.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 

I would like the bureau to delete this account off my credit report and do not try to put it back on my credit report. 


In accordance with the Fair Credit Reporting Act, XXXX  Account ( that goes by ) : XXXX XXXX XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, 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 2022-03-17
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: FIFTH THIRD FINANCIAL CORPORATION (MI)

Fifth third bank reported my fifth third secured credit card balance inaccurately yesterday XX/XX/15 dropping my score over 30 points and a week before that re- reporting a late payment from two years ago dropping my score another XXXX points when I have made on time payments for more than six months on my credit card ending in XXXX My name is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX MI XXXX soc security XXXX
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

1 ) XXXX reporting an " old '' outdated personal statement. Probably all 3 are reporting old statements. Please remove all previously reported personal statements from all 3 credit bureaus. Thank you.

2 ) Under Closed Accounts and/or revolving credit closed accounts. I enclosed in attached copies of my credit file. Where XXXX XXXX XXXX XXXX XXXX Which filed something called a reaffirmation as part of my XXXX bankruptcy case. For the purpose of this complaint. The loan was never late paid in full. My understanding under the Federal BK laws, it is unlawful for lenders and financial institutions to disclose and report any account information from my Federal Bk Filing. Since CFPB falls under Federal Rules. This is a formal request to please take action against XXXX XXXX XXXX XXXX for ignoring the Federal Law and disregarding all previous request.

3 ) XXXX ; TransUnion and XXXX : Still reporting XXXX, Oklahoma Address. In addition, work addresses from my former spouse as my personal address. To be clear. 
Any investigation will reveal. I have lived at XXXX XXXX XXXX since XXXX. Therefore, all other addresses reported are unconfirmed and/or my former spouses ' work-related addresses. Therefore, please remove random unconfirmed addresses especially, the one reported for over 2 decades from XXXX, Oklahoma. Thank you.
Consumer complaint received 2022-03-17
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: Experian Information Solutions Inc. (MN)

Experian has been noncompliant and has failed to comply since XX/XX/XXXX, XX/XX/XXXX. They have received each letter and have chosen to disobey the law and not respond in 3 months.By law they're suppose to respond in time, which they haven't and the items I disputed need to be DELETED ASAP. Experian you have had more than enough time and I don't want any generic response or that you will investigate in " 60 DAYS ''. You no longer have that privilege nor right since you have violated mines. PLEASE REMOVE AND DELETE EACH ACCOUNT I HAVE DISPUTED .Under federal law, you had thirty ( 30 ) days to complete your investigation. I WILL BE GOING TO THE XXXX  AND FILING A LAWSUIT IF THIS ISN'T CORRECTED ASAP. I'M SICK OF IT!!!
Consumer complaint received 2022-03-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (CO)

My account closure was PNC bank occurred by my request in XXXX, 2021. I had a mortgage with Compass, which became BBVA, which then became PNC. I refinanced the mortgage with another bank. I called to close the remaining checking account. After XXXX phone calls and multiple emails, and over 2 hours of my time, I have not received the funds. A representative explained that one check was sent to the wrong address, where I had never lived. My address has not changed since these accounts were opened. On XX/XX/XXXX, a representative stated the check would be re-issued. On XX/XX/XXXX, they stated the check had not been sent. They asked me again to confirm my new address but I explain my address has not changed since the mortgage was issued about six years ago. They stated somebody would call me to confirm my address that day but I have yet to receive a call.
Consumer complaint received 2022-05-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (GA)

Hello my name is XXXX XXXX In XXXX of 2021 a company by the name of Community Loan Servicing XXXX XXXX XXXX De XXXX XXXX, XXXX XXXX Florida XXXX took over my mortgage. During this process this company reported to all 3 credit reporting agencies that my loan was delinquent 180 days. This problem continues to be reported and Ive have contacted this company who acknowledged their mistake in writing. This issue has be hurting my credit report since last year. They sent me a letter stating that they fixed this issue on two occasions. Ive been working on keeping my credit good & this problem has ruined years of hard work and consist payment history. I need someone help with this issue as soon as possible. 

Thanks
Consumer complaint received 2022-03-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (CO)

XX/XX/2021, TD Bank froze my business savings account and has not given me access since. I have prove of e-mails attempting to fix this. I have called customer service countless times and even traveled back to the east cost from the Midwest where my husband was stationed, to fix this issue. I was told it would be resolved and my {XXXX} would be sent to me in a check and my account would be closed. This was XXXX XXXX XXXX Nothing ever happened. I have not had time to go home and fight this again, as I work full time and have XXXX kids. I need this resolved and Im not sure I can afford a lawyer to handle this issue. This is poor unacceptable customer service.
Consumer complaint received 2022-03-17
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. (LA)

I received a copy of my credit report XXXX and I discovered an unrecognizable account on my profile from XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX account XXXX date opened : XXXX amount : {$610.00}
Consumer complaint received 2022-03-17
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: Chime Financial Inc (CA)

Hello, I made a purchase on a credit card issued by Chime. 
The merchant based in XXXX did not supply me with tracking info and when they finally responded to me much later they sent me a tracking number from a XXXX XXXX that said the package was undeliverable. The tracking number had no address attached to it. 
I contacted Chime and send them the proof I have wich is communications with the merchant and my transaction reciept. 
The bank concludes the dispute in favor of the merchant. The evidence that they based their decision on is a record of the transaction. So a record of my payment. 
Again I did not receive any merchandise from said vendor or any proof of delivery or something like that. 
Now I have no money and no merchandise. 
It is not even about the money at this point. This is just wrong and I want justice.
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

Ive tried multiple times to have this Account # XXXX removed from my Equifax credit report when the company is clearly taken advantage of my rights and is in violation of multiple FCRA laws. To start, In accordance with the Fair Credit Reporting Act Account # XXXX has violated my rights. 
15 U.S.C. 1681 section 602A. States I have the right to privacy.

15 U.S.C. 1681 Section 604A Section2 : Also states a consumer reporting agency can not furnish a this account without my written consent.

Under 15 U.S.Code 1681b permissable purposes of consumer reports I never gave any written consent to report this a count to my Equifax credit report. No consent is identity theft.

Under 15 U.S.Code 1681e ( b ) and 15 U.S.code 1681i ( 5 ) this account is in violation not reporting 100 % accurat, it lists Child support court as the furnisher thats forgery and misleading because the courts dont report this type of account.
Consumer complaint received 2022-03-17
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

LAWFUL NOTICE OF DISPUTE This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2022-03-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Carter-Young, Inc. (IN)

My name is XXXX XXXX In XXXX of XXXX  I was looking for an off campus apartment  at of XXXX XXXX. I applied and was told I dont qualify for an apartment but could with a co-signer and can move in after getting one. I asked my father to co-sign but unfortunately he was unable to be a co-signer because he had filed a XXXX XXXX bankruptcy that had not yet matured to the 7 years and I informed them that I will be unable to get a good co-signer. They harassed me that I would have to move in or else find someone to move in my place. I told them thats not possible since I dont have a guarantor who would be approved and went on to look at another complex that approved me called XXXX XXXX. I signed my lease and stayed with campus housing for 2 years and renewed lease. Im around XXXX I received a letter and notification that I owe XXXX XXXX XXXX dollars, a full years lease for living there. I disputed it to the credit called XXXX XXXX and was told they are under new management and dont have any documentation of me ever Livng there to call the credit company saying I owe and asked. I called XXXX  XXXX  in XXXX and they said they cant give me information beside the amount I owe and to who to set up a payment plan and if I need further information to call XXXX XXXX. I called XXXX XXXX  and same with you around, no evidence of me Livng there call them again. I consulted a lawyer and they said filing a complaint is the best I can do.
Consumer complaint received 2022-03-17
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. (NY)

There is incorrect information about me applying for loans to several banks for a car that I never bought. I never applied for any loan or even bought a car. These loans were applied for on XX/XX/2021 and I assume it was from a car dealership. I was also given an insurance card for a car I never owned. 

I found out about it when I got a credit report from Experian today and it said that I applied for numerous car loans for banks and was rejected by them.
Consumer complaint received 2022-03-17
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Medical-Commercial Audit Inc (MO)

LAWFUL NOTICE OF DISPUTE This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ).

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2022-03-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (TN)

I sent a letter to Aidvantage requesting verification that authorized them to collect any alleged debt that they assume that I, the consumer, owe. The company replied saying that my request was frivolous. I am aware that I have a right to request verification/validation from debt collectors who assume that I owe on an alleged debt. I have never entered into a contract of any sort with Aidvantage. This is considered unfair practices pursuant 15 USC 1692f ( 1 ). The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to become subject to any practice prohibited by this subchapter. The false representation of any services rendered or compensation which may be lawfully received by any debt collector for the collection of any debt is a violation of the FDCPA. These are laws under the Fair Debt Collection Practices Act that Aidvantage is violating. Pursuant to 15 usc 1692c ( c ), I demand Aidvantage to cease and desist all communication.
Consumer complaint received 2022-03-17
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Persolve, LLC - Legal - Series 2 (MO)

LAWFUL NOTICE OF DISPUTE This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ).

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2022-03-17
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. (TX)

1 ) XXXX, I took out vehicle loan through my employer based credit union. 

2 ) While the loan and credit history was impeccable. As result of post-divorce asset division dispute. [ Not having any relationship to my XXXX fico or credit union personal loan ] However during a XXXX filing. XXXX, was the ONLY creditor who filed to reaffirm my auto loan. Adding undue addl attorneys fees, and hassles to already complicated stressful situation. 

3 ) My bankruptcy attorney advised at that time under federal bankruptcy laws, that is was unlawful for lenders to report and/or use any bankruptcy filing against the consumer filing the claim. 

4 ) Yet, XXXX has continuously breached the bankruptcy rules and waived my my privacy and disclose rights. For the purpose of this complaint. Please find Equifax online credit file reports where XXXX XXXX XXXX XXXX XXXX, are still violating Federal Bankruptcy Rules by reporting a paid in full good standing auto loan as closed. The implication being derogatory against the creditors worthiness. Bottom line, any Federal Institution should know Federal Bankruptcy Reporting guidelines. Its unlawful to report creditors loans or accounts. XXXX is breaching the federal rules and waiving the creditors legal rights. 

5 ) Formal Written Demand Request to immediately without further delay remove any/all XXXX credit b. reporting having to do with my name or account. What are the consequences for the Federal Credit Unions who breach the law and ignore federal complaints?
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

I was informed of some negative information on my report. I am aware that consumer reporting agencies have assumed a vital role and have a grave responsibility to protect my right to privacy. I am challenging the accuracy and compliance. I challenge the consumer reporting agency to documentation along with my signature. The failure to provide documentation is a violation of the FCRA and it is considered identity theft for the use of any information without the consent or written instruction of the consumer. The following accounts should be removed immediately without proof of documentation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I also have an identity theft report for the inquiries that should be removed. The following : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX I will seek remedy for any negligent and willful noncompliance.
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

I was informed of some negative information on my report. I am aware that consumer reporting agencies have assumed a vital role and have a grave responsibility to protect my right to privacy. I am challenging the accuracy and compliance. I challenge the consumer reporting agency to documentation along with my signature. The failure to provide documentation is a violation of the FCRA and it is considered identity theft for the use of any information without the consent or written instruction of the consumer. The following accounts should be removed immediately without proof of documentation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I also have an identity theft report for the inquiries that should be removed. The following : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. I will seek remedy for any negligent and willful noncompliance.
Consumer complaint received 2022-03-17
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. (IL)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2020-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

This is the third investigation I've contacted the CFPB about regarding this issue. XXXX XXXX has listed me as having a late payment ( s ) when I have never been late on any payment. The error is fixed after submitting a complaint with documentation to support my claim and then the next month the late payment ( s ) reappears again.
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: Experian Information Solutions Inc. (PA)

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.