davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-06
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. (IL)

In accordance with the Fair Credit Reporting act ACCOUNTS BELOW XXXX  XXXX XXXX/ XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX XXXX  / XXXX XXXX XXXX XXXX XXXX IL account number : XXXX XXXX. XXXX, XXXX account number : XXXX, ALL 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 Delete the accounts
Consumer complaint received 2022-06-06
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: Upgrade, Inc. (CA)

I filled out a police report and also an FTC report for my credit profile. Someone stole my wallets and was able to obtain credit cards, and also bank accounts in my name. Everything has been compromised Ive noticed on credit profile for fraudulent accounts that are reporting. I need to take them off. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Upgrade
Consumer complaint received 2022-06-06
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: NAVY FEDERAL CREDIT UNION (CA)

I filled out a police report and also an FTC report for my credit profile. Someone stole my wallets and was able to obtain credit cards, and also bank accounts in my name. Everything has been compromised Ive noticed on credit profile for fraudulent accounts that are reporting. I need to take them off. 

Navy Federal XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-12-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC (VA)

account # XXXX has been charged off with XXXX  XXXX XXXX, according to the IRS a charged off account is not considered debt it a profit loss for a creditor or financial institution and income for a consumer who can file a 1099 C as well. XXXX  XXXX XXXX filed a 1099 C but I the consumer didn't receive a copy of the 1099 C. furthermore a charge off should not be reported as debt on a consumer report because the IRS states that its considered income and income is not reported on a consumer report therefor a creditor or financial institution is committing fraud Furthermore Credit Control LLc is trying to collect on an account that has been charged off and deemed as income by the IRS and is considered income and they are also committing fraud.
Consumer complaint received 2022-08-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

A transfer was made via my Zelle account to a person that I have no association with, or have any knowledge of who they even are. Account verification must have been made in order to approve transaction/transfer. This transfer occurred XXXX XXXX. After seeing this I cancelled my Zelle so that this would not happen again. I filed a fraud claim through Zelle and was informed today XXXX XX/XX/2022 that my claim had been denies. Zelle had determined that it was not fraud even though the amount of {$2500.00} had to be authorized by me via phone call and was sent to a random person I have no association with. They have taken their money they refunded me back and stated they can not help me. This company has been no help and has denied an actual fraud claim. They did not tell me why my claim was denied other than the fraud department had determined it wasn't fraud with no further explanation. This is fraud and should be handled by Zelle as such. I would not recommend this money transfer service to anyone as they do not protect customers accounts and allow blatant fraud to occur and not properly handle these situation. They have some of the worst customer service and even though the fraud was reported as soon as it happened they still denied it as fraud. I will not be using this service again and I am very frustrated that they took my fraud claim money back and stated it was not fraud.
Consumer complaint received 2022-06-06
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2022-12-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

I have been attempting to close my account since early XXXX. With Multiple calls and continued reasons why, this account can't be closed due to self-induced bank fees. First call, the representative said he would close the account, in which the account ATM card is no longer in service and can't transfer any reminding balance out of the account. Second call, the account went negative although there was a positive balance and the {$30.00} overdraft fees were waived. XXXX XXXX, the account was positive {$8.00} dollars but was over drawn due to Bank XXXX XXXX and explained to the representative. The account has overdrawn by {$11.00} dollars, Negative. Customer service refused XXXX ) Talk to a Manager 2 ) Request a call back from a manager 3 ) Talk to the Office of the President. There are no charges on this account. There is no autopay 's debiting. The Bank simply won't close the account until I pay their self-induced bank fees.
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NC)

Late payments reflected on credit report dur to COVID-19 and family issues during the first few months of the pandemic. The credit card has since been paid off as agreed and closed. Requested the late payments on credit report to be corrected considering the circumstances but request was denied.
Consumer complaint received 2022-09-12
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. (NY)

This is not a 3rd party! Under the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). I reserve the right to protect the privacy of my personal information and medical records from all third party reporting agencies. Please review attachments!

In fact, this account Date of Activity is different on all 3 consumer reporting agencies. So, not only is this account a violation but its also inaccurate.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act the following items : - XXXX XXXX  XXXX - XXXX XXXXXXXX - XXXX XXXX  XXXX - XXXX XXXX 15 U.S.C. 1681 Section 602 A.- States I have a right to privacy.

15 U.S.C. 1681 Section 2 604 A.- States a Consumer Reporting Agency can not furnish an account without my written consent and/or instructions.

15 U.S.C. 1666 Section B.- A Creditor may NOT treat a payment on a credit card account under an open-ended consumer credit plan as late for any purpose.
Consumer complaint received 2022-09-09
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)

These agencies ( XXXX ) XXXX acct # XXXX, ( XXXX XXXX XXXX XXXX XXXX acct # XXXX, ( XXXX XXXX XXXX acct # XXXX, ( XXXX ) XXXX XXXX XXXX XXXX acct # XXXX, ( XXXX ) XXXX XXXX acct # XXXX, ( XXXX ) XXXX XXXX XXXX XXXX acct # XXXX, are in violatation of 15 USC 1692g . These agencies were to notify me of this in writing 5 days prior, I was not. As the original creditor only I can validate this debt. I do not validate these debts. Therefore, these accounts listed above must be deleted from my credit report. The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ;
Consumer complaint received 2022-12-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Dynamic Recovery Solutions, LLC (SC)

No Debt Validation letter. This company has filed a collection on my credit report, yet I was never notified of this debt by Dynamic Recovery Solutions. I was never given a chance to dispute the debt or ask for validation. I had no idea they had a debt owed to them by me. They Haven't even told me what the debt was related to nor provided any documentation to me. I was never given a written notice, so I could formally dispute the debt. This business never provided me with any evidence that I have any legal obligation to pay them, yet they reported it to credit bureaus.
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Consumer complaint received 2022-09-27
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

Experian will not update, correct or delete inaccurate information on an account ( XXXX XXXX XXXX XXXX ) reporting on my consumer credit report. 

Instead of conducting an independent investigation, Experian ignores my dispute requests and stamps them " verified as accurate '' even though the information they provide is clearly inaccurate. 

Experian 's responses to my complaints to the Pennsylvania Attorney General 's Office are further evidence of an attempt to deny me my rights, by not following the law as outlined in FCRA. 

Experian has denied me these rights under the Fair Credit Reporting Act ( Sections 609, 611 et.al ). They have illegally extended the investigation period for this item beyond what is permitted by law. They have not provided me with any written proof that would explain how they are verifying information on my credit file.
Consumer complaint received 2022-06-06
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)

There has been some information that has been reported on my file. I am a victim of Identity theft with the incorrect items being put on my credit report. I have reached out to each credit bureau but no changes have been made. This time, I reported the theft of my Identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. On a personal level, my family and I have been in the process of making some very life changing decisions to provide a better a lifestyle for us. I am a mother of XX/XX/XXXXand I would like to provide a home for my family however, its been very hard because of the incorrect items on this report. I would sincerely appreciate, if the report could be corrected immediately, as it is a serious hinderance on many levels. I look forward to receiving assistance with this issue.
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act the following items : - XXXX XXXX XXXX - XXXX  XXXX - XXXX XXXX  XXXX - XXXX XXXX 15 U.S.C. 1681 Section 602 A.- States I have a right to privacy. 

15 U.S.C. 1681 Section 2 604 A.- States a Consumer Reporting Agency can not furnish an account without my written consent and/or instructions.

15 U.S.C. 1666 Section B.- A Creditor may NOT treat a payment on a credit card account under an open-ended consumer credit plan as late for any purpose.
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

There has been some information that has been reported on my file. I am a victim of Identity theft with the incorrect items being put on my credit report. I have reached out to each credit bureau but no changes have been made. This time, I reported the theft of my Identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. On a personal level, my family and I have been in the process of making some very life changing decisions to provide a better a lifestyle for us. I am a XX/XX/XXXXof XX/XX/XXXX and I would like to provide a home for my family however, its been very hard because of the incorrect items on this report. I would sincerely appreciate, if the report could be corrected immediately, as it is a serious hinderance on many levels. I look forward to receiving assistance with this issue.
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (AL)

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices.

Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge