davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-15
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. (IL)

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  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 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 2022-09-27
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15USC1681 Section 602 : States I have the right to Privacy. 15USC1681 Section 604A section 2 states : also reports that a consumer reporting agency can not furnish an account without my written authorization. Under 15USC166B ; A creditor may not treat a payment on an account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2022-08-16
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. (AR)

I am unaware of the charges and did not authorize use I would like for these derogatory remarks removed from my credit report. 

{$1100.00} Open balance XXXX XXXX XXXXXXXX XXXX XXXX  Original creditor {$520.00} Open balance XXXX XXXX XXXX Original creditor {$280.00} Open balance XXXX XXXX XXXX XXXX XXXX  Original creditor {$130.00} Open balance XXXX XXXX XXXX Original creditor
Consumer complaint received 2023-04-04
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. (TX)

I am requesting again in regard to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2022-07-13
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)

In accordance with the Fair Credit Reporting act XXXX XXXX Account 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 2022-12-29
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Colony Brands, Inc. (TX)

On XX/XX/XXXX, I received XXXX packages from my mother for XXXX from the company XXXX XXXX. When I opened the package I saw the invoice inside with the items listed a dollar amount saying bill to me but didnt think anything of it as my mother purchased the items and had it shipped to me from her account. On XX/XX/XXXX I recieved an invoice with an account number and the contents of my XXXX gift listed with a due date and total. I immediately contacted customer service to let them know there was an error at XXXX cst when I got off work to let them know there was an issue. After being transferred around, the second representative told me that this happens all the time where accounts get created by mistake and I only had XXXX options to report the account as fraud or have my mom pay the account off and then I could call back to close it which would impact my credit even though I never opened the account. The banker acted very nonchalant as though this was a common occurrence. My mom told me no personal data of mine was provided other then my name and address for shipping of the item. They told me to pay the bill over the phone is {$2.00} or I could go through their automated system or online at no charge. Once I pay they said to call back to have the account closed. Once the call ended I had to go online and make an account to make this payment. I paid any balance listed on the account for the {$51.00} as my mom order this with no malice intended. Once online i found out not only did they erroneous bill me for these items, they created an account for me and also opened a line of credit in my name for {$900.00}! This issue kept escalating further and further down a rabbit hole of misinformation. I was very upset and called back immediately to have the account closed. The representative I spoke with at XXXX XXXX kept trying to disuade me to wait to close the account for XXXX hrs to allow the payment to clear. I repeated the issue about whats happened and that this XXXX gift has become a nightmare that I want out of. Now I have possible credit impacts for something I never did. My mother called customer service on XX/XX/XXXX and the representatives told her it was a computer issue and billing problem. For no one to pay the bills and it would be corrected in 2-3 days as my siblings my mom sent gifts to have also been impacted with accounts created. They did not take this issue seriously and only offered to escalate my closure request. The credit impacts will still be there as they created an unauthorized account with no permission or personal data being provided. Please look into this company and have any credit impacts removed by this business predatory tactics as not only was i billed but my mother was billed on her individual account where the gifts were generated from.
Consumer complaint received 2022-07-18
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. (CA)

I recently received a copy of my credit report, and I noticed some late payments posted on my credit report : XXXX  XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Your company is in clear violation of the law under [ 15 U.S.C. 1681b ] 604. Permissible purposes of consumer reports, THE LAW CLEARLY STATES : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other :.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give u written instructions to furnish these late payment accounts on my credit report.

Furthermore, The FAIR CREDIT REPORTING ACT [ 15 U.S.C. 1681 ] ( 2 ) ( A ) ( I ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 624, any- ( i ) report containing information solely as to transactions or experiences between the CONSUMER and the PERSON making the report ; DELETE THE ABOVE LATE PAYMENTS FROM MY CONSUMER REPORT, THIS AGENCY IS IN VIOLATION OF 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments 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 2023-07-12
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. (FL)

Hello, I never really bothered with my credit let alone check my credit due to me just now becoming a young adult and actually understanding how important credit is. I've never really made big purchases or made payments on anything until my adulthood began. I am now aware that items have been showing up on my credit like my student loan which began in XXXX. I also recently got a car last year which shows on my credit. And of course when wanting a car you must know what your credit is so that you are aware of what to search for. So once I received my credit report, I noticed that there were an outrageous number of errors in inquiries and accounts opened in my name, beginning way back from when I was a freshman in high school. With that being said, I contacted all XXXX credit unions and spent lots of money just to get letters sent out to them to dispute all of the unknown accounts and inquiries. There was even a major loan open on my credit in XXXX, meaning that I would have been XXXX XXXX XXXX opening a loan in my name which is likely impossible. So as I stated I reached out to each credit bureau, all of their responses were as if they were automated basically telling me that they could not dispute the inquiries and accounts that I requested to be disputed. I have been trying to get these things removed for over 6 months, still spending money by sending letters certified mail trying to receive proof from the credit bureaus of where I signed or anything to show that the accounts belong to me ( in which they do not ) I have received no luck, no successful responses. Within the months that I've been trying to clear the unknown on my credit I have only been able to successfully dispute XXXX item and was able to have my name correctly spelled on there. I am quite familiar with the law, so I even demanded that they ( the credit bureau ) pay me {$1000.00} due to their violations and me having that right according to the Fair Credit Reporting Act and 15 USC 1681n. To whoever is reading this I am quite sure you know how important credit is. With my credit score being so low due to all of these unknown accounts and inquiries just sitting there, it is holding me back from getting approved of literally everything. I am asking for help please, I have spent too much money on trying to get this resolved and have no success at all.
Consumer complaint received 2022-09-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TN)

Call from a number impersonating the Consulate General of XXXX XXXX in New York, a criminal gang posing as XXXX XXXX and members of US Department of Higher Education had access to my email and said I never took advantage of a scholarship by the American Government and wanted me to pay cancellation fees or face legal trouble back home and that I was on the American XXXX List, this XXXX XXXX then posed as an employee of the department of Higher Education with this number XXXX on XXXX and phone call. Spoof email : XXXX. After sending me a warning email and forms to fill for cancellation and bank account to transfer to the American Higher Education Department, a SWIFT Transfer ( number XXXX ) was sent for the amount of XXXX $ to the following bank account : Bank Details for Wire Transfer Account XXXX XXXX XXXX Bank Name Wells Fargo Bank, N.A Bank Address XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX, United States Beneficiary Address XXXX XXXX XXXX, XXXX XXXX, CA XXXX Account Number XXXX XXXX XXXX XXXX Routing Number XXXX Payable Amount {$2100.00} Purpose of Payment XXXX Registrations XXXX Complains already filed as follows : reportfraud.ftc.gov ( XXXX number XXXX ), XXXX XXXX XXXX XXXX, Wells Fargo NA Bank ( XXXX ), Al XXXX Bank ( request number : XXXX )
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (NC)

I have never given consent or permission to report or share any information about me. Under the Gramm-Leach-Biley Act ( 15 USC 6801-6802 ), I have not signed any consent form allowing my information to be disclosed to non-affiliated third parties, electronically or in writing. There is no legal proof supporting the accuracy of these marks, and they have not been properly verified. 

I am complaining about the impermissible access of my credit report by LVNV Funding LLC, in direct violation of the Fair Credit Reporting Act ( FCRA ). Last month, I have discovered that the LVNV Funding LLC, fraudulent account had been opened in my name without my knowledge or consent. I need proof of a wet signature of an application and proof this is a credit transaction with LVNV Funding LLC. LVNV Funding LLC is in violation of federal and state laws, and I will go legal if this isnt removed.
Consumer complaint received 2024-12-12
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ZuntaFi Corp (DE)

Dear Sir/ Madam, This debts ( Account ID : XXXX XXXX & XXXX ) has to remove from my credit report on all 3 national credit bureaus. 

Zuntafi Corp has refused to provide me with original instrument of indebtedness in its original form with " Ink Signature '', which by Fair Debt Collection Practices Act [ 15 USC 1692 et seq ] to validate collection of debt. 

Zuntafi Corp, replied to me with a stating that they will report my account as " disputed '' to all 3 national credit bureaus, and this action could take-up to 30 days to remove debt from my credit report. 

As of today, there has been no changes on my credit report with debt still appearing as open and negatively affecting my XXXX XXXX. 

Please see uploaded document below. 

Thank you,
Consumer complaint received 2023-03-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Advantage LNS Inc. (MD)

A {$3100.00} debt was reported to a debt collection agency, National Credit Audit Corporation XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX. I reached out to the debt collector and informed her that I never initialed or signed a lease. I was told that it didn't matter that I didn't sign a lease because I signed an add-on addendum. On the Addendum, it states that the Addendum is not valid if the new resident does not initial and sign the lease. So the addendum in INVALID. XXXX, at National Credit Audit Corporation, still refused to remove the debt from my credit report. She was also informed that it is illegal in the state of Maryland to report a debt without a court judgement. She still refused to remove the debt. Another error that was made is the balance. {$3100.00} was the debt amount reported to the credit bureaus. On the letter AND resident ledger ( which has the primary account holder 's name ; my name is not listed ) I received from XXXX at National Credit Audit Corporation ; the balance is {$3100.00}. The dates on the resident ledger are inaccurate as well. That apartment unit was vacated XX/XX/XXXX and the resident ledger has the move out date as XX/XX/XXXX. As of XX/XX/XXXX, I still have not been provided with a lease with my signature and initials nor have I been provided with proof of a judgement from the Maryland court system. National Credit Audit Corporation violated 15 U.S.C. Section 1692e ( 8 ) of 15 U.S.C. Because of this discrepancy, I'm unable to apply for any lease. I've gotten rejected 3 times, despite showing a good and progressing credit history.
Consumer complaint received 2022-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Bank Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Bank Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX The XXXX XXXX XXXX Account 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 2022-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (AZ)

XXXX XXXX XXXX has been attempting to collect a debt, for which I claim no liability associated, regarding an account from XXXX XXXX where the last payment made was before XX/XX/XXXX. Official correspondence from XXXX XXXX shows that the number I had held previously with them was likely sold to another customer based on a collection attempt from XX/XX/XXXX. The final collection attempt from XXXX XXXX was on XX/XX/XXXX. 

My most recent credit reports show that Jefferson Capital has reported the start date of the debt as XX/XX/XXXX which is incorrect. 

Based on the Arizona statute of limitations, this alleged debt would have expired six years after the final payment ; either on or before XX/XX/XXXX. It has also been over seven years since XX/XX/XXXX. As such, I am requesting that XXXX XXXX XXXX stop their collection attempts and remove the previously aforementioned collection from each of the credit reporting bureaus ' records.
Consumer complaint received 2022-09-24
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. (IL)

THIS COMPLAINT SUBMITTED BY XXXX XXXX PERSONALLY THIS IS FOR EQUIFAX 1. XXXX XXXX XXXXXXXX XXXX  has a XXXX available credit with XXXX balance 2. XXXX XXXX had XXXX balance 3. XXXX card is closed since XXXX 4. XXXX XXXX is closed since XXXX XXXX XXXX ( XXXX ) has XXXX available credit with XXXX balance is missing/ not reporting
Consumer complaint received 2024-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (SC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2022-07-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (IL)

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXX XXXX XXXX/ {$320.00} / XX/XX/2022 ( Original Creditor : ) {$610.00} / XX/XX/2022 Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence, I want this to be deleted from my credit report.
Consumer complaint received 2024-10-20
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I am writing to file a formal complaint against the Huntington Bank XXXX located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. In the XXXX XXXX XXXX. 

On XX/XX/year> during the morning time. I had a concerning experience with one of the tellers, named XXXX, who was assisting me with my account. During my visit, I had to briefly step aside to make a phone call to my husband. 

Upon returning to the line,. I requested XXXX not to discuss my situation with XXXX and indicated that I was willing to wait for her assistance. Despite my request, XXXX abruptly informed me that she could not help me and directed me to XXXX. XXXX proceeded to process my transaction, and as I was leaving the bank, he called out my name and made unwarranted remarks about my behavior towards XXXX. Allies exact words where XXXX let this be the last time you yell at XXXX, this better be the last one you come in here to yell at XXXX otherwise I will talk to the XXXX and make sure you dont step foot in this office every again XXXX XXXX was not talking to me he yelled this out to me as I was walking out the banking center. While other customers were present. I found Allies behavior to be unprofessional and disrespectful. I am an XXXX  customer with XXXX  XXXX. It may seem like Im talking loudly but it is never on purpose. This is something they do not know or have respect for. No customer should be subjected to such treatment by bank staff. I expect a certain level of professionalism and courtesy when interacting with bank employees, and this experience fell far below my expectations. XXXX 's conduct towards me was nothing short of disrespectful and intimidating. Instead of allowing me to voice my concerns, he threatened me with consequences, including reporting me to the XXXX and barring me from the banking center. This public display of aggression and lack of respect left me feeling deeply humiliated and disrespected in front of other clients present at the time. Dolly Vega 1 ( 312 ) 270-9022