davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-22
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. (PA)

My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents and ID as it contains my full complaint and requests. I am hereby notifying you that neither on those dates or dates similar did I authorize any individual from the listed companies to pull or review my consumer report. Additionally, I have not given TransUnion this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated.
Consumer complaint received 2022-04-11
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: J J Marshall & Associates, Inc (MI)

I contacted XXXX XXXX XXXX to dispute items from my credit report. 

XXXX XXXX XXXX for the amount of {$2300.00} which is not my account! The Bureau havent sent me documents proving that this is my debt but sent me update saying that this item will be deleted. As of XX/XX/2022 the account is still on my file TWICE MICHIGAN XXXX UNIVERSITY for the amount of {$8300.00} also account thats not mine! XXXX refuse to remove this account from my credit file JJ MARSHALL & ASSOCIATE for the balance of {$5400.00} is inaccurate on my file also! Its reporting twice which brought my score down to XXXX
Consumer complaint received 2022-08-22
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXXXXXX and XXXX XXXX have 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 instruct
ions.
Consumer complaint received 2022-09-19
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Valor Intelligent Processing, LLC (OH)

I have been getting multiple calls from this company for a few months now and am requesting a cease and desist. I do not have accounts with nor owe anything to them for which they are seeking payment. I am asking for the contact to stop immediately. I have mailed and emailed them a cease and desist and they keep calling and harassing my ex-wife calling her as well as they assured me that they would not call her and remove her number and they are still calling her. Under the provision of Public law 95-109 and 99-361, known collectively as the Fair Debt Collections Practices Act ( FDCPA ) I formally notify you to cease all communications with me in regards to this debt or any other debts that you allege I owe.
Consumer complaint received 2022-04-10
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. (FL)

In accordance with the Fair Credit Reporting act 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 XXXX Experian Date Last Active : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX, I had an emergency situation that required me to use my Capital One Credit Card to take a cash advance of {$300.00}. It was my first time ever taking a cash advance on a credit card. 
On XX/XX/XXXX, I called Capital One Customer Service to ask how I could pay off the cash advance balance so that I would not continue to accrue interest on it. I was advised that I could make a payment on the phone during that call which would go directly towards paying off the cash advance. I was advised that the total payment would have to be {$310.00}, which included the amount of the advance ( {$300.00} ), the ATM fee ( {$3.00} ), and the cash advance fee ( {$10.00} ). I confirmed that once I made this payment, the cash advance would be paid off and I would no longer accrue any interest on it and would just have my standard credit card balance that I would be making payments with interest on. Just like it was before I took the advance. 
Today, on XX/XX/XXXX, I noticed a cash advance interest charge on my Capital One balance. I called Customer Service again and was told that none of that payment from XX/XX/XXXX went toward the cash advance. I was told that regardless of what I was told on the phone by their Customer Service, the terms that were given to me clearly state that whichever balance has the higher interest rate, is what anything above my minimum payments will go toward. Unfortunately, the interest rate on my cash advance is the same as the interest rate on my credit card, so in order to pay off the cash advance, I would have to pay off my entire credit card balance ( {$7400.00} ). 
There is nothing in my statement that says this, it does not say what happens when the interest rate is the same as the credit card interest rate, it only says what gets paid when there is an interest rate that is higher than another. In addition, I went a month thinking that my cash advance had been paid off BECAUSE THAT IS WHAT THE CAPITAL ONE CUSTOMER SERVICE REPRESENTATIVE TOLD ME, so now I have an additional month of interest on that balance. 
I can not afford to pay off my entire credit card balance right now. I am making minimum payments. 
There must be a recording of my conversation with this representative the day I was told it would be paid off by making that separate payment. That would be proof that that is what I was told. Not being allowed to pay off the cash advance until the credit card is paid in full is extremely sneaky.
Consumer complaint received 2022-04-10
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. (CA)

Good morning CFPB, I initiated an investigation into the XXXX account appearing on my Transunion credit file on XX/XX/2022. To date the investigation into the inaccurate account information has not been verified and is still in pending status after 37 days. Also the account was never noted as under dispute once the dispute was initiated. I want this account removed as it has not been verified in a timely fashion and its reporting and lack of the notation that the account has been in dispute for over a month are both violation of FCRA. I have attached documentation to prove my case..
Consumer complaint received 2022-09-19
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. (PA)

As a Consumer thats protected by FDCPA this request is to removed the following inquiries/accounts on my Consumer Report for I have not given my consent to furnish this on my Consumer Report per 15 USC 1681 ( B ). And I am also exercising my right to privacy under 15 USC 1681 ( A ) ( 4 ). Reporting this information on my Consumer Report is also a Violation of 15 USC 6802 ( B ) 1 ( A ), ( B ), ( C ) I was never given the opportunity from your agency to have my personal information block from being expose. Below you will find a list of inquiries/accounts I would like deleted from my Consumer Report ; Collection Accounts : XXXX XXXX Account Number : XXXX Collection Opened : XX/XX/XXXX Balance : {$1800.00} Reporting on ; TRANSUnion/XXXX XXXX XXXX  Account Number XXXX XXXX Collection Opened : XX/XX/XXXX Balance : {$730.00} Reporting on ; XXXX XXXX XXXX XXXX Account Number XXXX XXXX Collection Opened : XX/XX/XXXX Balance : {$84.00} Reporting on ; XXXXXXXX XXXX XXXX  Account Number : XXXX Collection Opened XXXX XX/XX/XXXX Balance : {$680.00} Reporting on ; XXXX INQUIRIES : Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  Inquiry Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX TransUnion Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX
Consumer complaint received 2022-04-15
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: JPMORGAN CHASE & CO. (NV)

The amount is XXXX was open fraudulently, I reported this with the company and the account was closed. in XX/XX/2020, I had this remove from my credit report and this items keeps coming back on
Consumer complaint received 2022-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CT)

An unauthorized withdrawal at a Citi bank teller ( in the amount of {$25000.00} ) took place on XX/XX/22. This was a fraudulent withdrawal and overdrew the account. I first noticed this activity on the evening of XX/XX/22 when i went to withdraw money from my account. I notified Citi as soon as i noticed the fraudulent withdrawal. I was provided with a case # and was told i would be contacted within 24-48 hours. No one contacted me regarding the incident by Wednesday XX/XX/22, so i called back to inquire about the status of the withdrawal and was told that the case was still being investigated and there was nothing further to share. I then called back on Friday XX/XX/22 and after escalating to a manager twice, i was given a new case # as the representative said the original case did not adequately flag the transaction as fraudulent. I was not given any further details regarding the withdrawal and I was informed that it could take 30-90 days to resolve my case. Citi then sent me an indemnification request to indemnify them of any further fraudulent activity on the account, which i did not sign. I called Citi again on Sunday XX/XX/22 to inquire on the status of my case and was told i would receive a call back ( which never happened ). I called back on Monday XX/XX/22 and it took over 1 hour to speak with someone regarding my case. After speaking with them, they created yet another case number and i was told again that it would take 30-90 days to resolve this. At no point has Citi ever provided me details of where the withdrawal took place or any other details so i could inform local authorities of the fraudulent transaction. Citi has never called me back regarding this dispute.
Consumer complaint received 2022-04-10
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)

Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file.. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are ( XXXX XXXX XXXX ) and XXXX. I am a victim of identity theft and did not make the charge.I have never had an open account with either of the companies listed and it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. The items are listed below with the account numbers. I have contacted all three bureaus multiple times by phone, mail and by filing numerous complaints. Please remove the following items from my file. 

Account name : XXXX XXXX Account number :XXXX  Account date reported : XXXX XXXX Balance : {$0.00} Account name : XXXX XXXX XXXX Account number XXXX Account date reported : XXXX XXXX Balance : {$1200.00}
Consumer complaint received 2022-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I have contacted USAA to resolved a a dispute with XXXX XXXX XXXX transaction is the amount of {$75.00} thinking USAA has my back they have taken back the {$75.00} temp credit that I had gotten causing my account to go into the negatives. I have submitted evidence of receipt to USAA paying to the parking lot, even when I told USAA I was unfairly booted on my car. I do not agree with this charge. I am currently a loyal USAA member and they did not have my back when I showed proof of receipt, when I show plenty of evidence that I paid for the parking and should not have been booted from my car. I have attached proof of payment which should have confirmed I should not be charged the {$75.00} booting fee for this service when I paid. Even USAA agent when I first called agreed with me that I should win this dispute of USAA investigations team decided differently
Consumer complaint received 2022-04-10
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. (GA)

In accordance with the Fair Credit Reporting Act XXXXt Account number XXXXXXXX XXXX  XXXXXXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXXy, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX 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 XXXX 

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 instruction.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (UT)

XX/XX/2020 I called Experian to dispute in accurate information on my credit report. The bankruptcy information is incorrect and does not match my court document file. The address is incorrect document. I request by law for proof by Experian to provided their Investigation is accurate.. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
Consumer complaint received 2022-09-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC (NY)

I owed on a credit card and reached a settlement with the collectors over the phone, but I have not been able to contact the company through their email/chat system, even waiting 5 or more days even though you set a date to receive a reply on, meaning you are forced to call and talk to someone which is very non inclusive to those who cant/isnt comfortable talking on the phone
Consumer complaint received 2022-04-11
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 convergent Account XXXX XXXX XXXX, XXXX XXXX OF EDUCATION 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 2022-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my Transunion consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2022-04-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (MS)

Due to error with XXXX XXXX XXXX bill my account was closed on the behalf of XXXX XXXX XXXX and set off the collections agency. XXXX XXXX is whom they sent the bill to for {XXXX} AFTER CORRECTIONS WAS MADE MONTHS LATER ON XXXX XXXX XXXX. In XX/XX/XXXX I set up arrangements to settle the account for 50 % they offered to settle the account for {XXXX}. I agreed and set the settlement up on installments. XXXX XXXX, XXXX is when the settlement was paid off in full and closed. XXXX notified XXXX & XXXX XXXX XXXX that my account was closed and settled. I received another phone call from the a different collections agency known Enhanced Recovery XXXX  regarding an outstanding balance that is still reflecting on my XXXX XXXX XXXX account that is suppose to be closed and settled. I spoke with XXXX XXXX XXXX through last week starting XX/XX/XXXX, and XXXX spoken with numerous of reps at XXXX XXXX XXXX collections department I also conference XXXX  on the call regarding to my account that I had with them from XXXX XXXX XXXX. I Settled the account with XXXX. XXXX XXXX XXXX refuse to closed the account.
Consumer complaint received 2022-04-11
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: Westview Financial Services VA, LLC (VA)

After paying the account in full the negative inquiries. Westview entered the information twice to my credit report without my consent The account was paid and full in XXXX of last year.
Consumer complaint received 2022-04-10
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. (SD)

In accordance with the Fair Credit Reporting act 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 : States a consumer reporting agency can not furnish an account without my written instructions. 


XXXX XXXX XXXX XX/XX/XXXX amount, XXXX XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX States Account is closed and paid in full yet, still reporting on my credit report which is also a violation of my consumer rights. 


As-well as the removal of these inquiry of my credit report. as these have violated my rights of 15 U.S.C. 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. 


XXXX XXXX XXXX XXXX  XXXX XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Automobile Dealers , Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX Credit Unions Inquiry date XXXX XXXX XXXX XXXX XXXX Removal date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Bank Credit Cards Inquiry date XXXX XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions
Consumer complaint received 2022-08-22
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!