davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-12
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. (AZ)

In XXXX of 2020, I was informed via email that an erroneous debt on my credit file would be looked into as an error ( which it was ) by the company, XXXX XXXX that sold it into collections. XXXX investigated and found the debt to be in error, actually refunded {$57.00} that was owed to us. Several letters and communications were forwarded stating that XXXX recognized their mistake and would cease, themselves, and also require the collection agency, XXXX XXXX, to cease all collections. XXXX XXXX was required by XXXX and by law to systemically remove the negative file reported to the three major credit bureaus. XXXX XXXX then sent letters to me stating they would correct the reporting error but did so for two of the bureaus while leaving the reporting cycle for XXXX  open. 

Over a year has passed since I informed XXXX XXXX, a Minnesota-based collection agency, that they were in error concerning a debt that was not mine and I refused to pay. Doing so has caused a great loss to my personal and financial well-being. I am now in the middle of purchasing a new home which is due to complete building soon. The continued negative reporting with XXXX  refusing to remove this remark is causing suppression of my credit score and potential loss of my financial investment and social need for shelter for my family and myself. 

I am asking the CFPB to intercede on my behalf because XXXX  states that a request to remove the error has NOT been made by XXXX XXXX, while XXXX XXXX 's supervising agent over the file, XXXX XXXX, states that the error request was submitted in XXXX ( but also stated the same thing in XX/XX/2020 ), but the item is still reporting. It's well after the legal amount of time to remove the error, but XXXX XXXX states they will do nothing more to have it removed. XXXX  continues to state that there has been no request sent from XXXX XXXX and that must be received first before they can comply. 

I am attaching documents for review.
Consumer complaint received 2022-10-08
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. (NJ)

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file for the second time. I was sent a letter by mail saying that my letter was submitted by someone else please investigate the issue this time. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. 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. Please delete the items as soon as possible.
Consumer complaint received 2021-11-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (AL)

On XX/XX/21 I called Amsher Collection Services to make a payment on a medical debt I owed. I have 8 accounts in collection with them since the medical facility seperated them all out. I called XX/XX/21 to make a payment on 2 of the accounts. One for {$96.00} and one for {$140.00} for a total of {$240.00} with the processing fee. I gave them my debit card infomation to process the payments for those 2 specific accounts. This would in turn close those 2 specific accounts and therefore reflect them closed on my credit report. I explained I would be calling in to make payments every Thursday from there on out. I told the representative I would physically be calling in to make the payments and not to post date anything. On XX/XX/21 I saw Amsher Collections had debited my bank account for {$240.00} without my consent and authorization. They did so which caused my checking account to overdraft and made my bank pull from my savings account which caused them to charge me an overdraft fee. I then checked my credit report and noticed my payments from XX/XX/21 were missapplied. The missapplied payments only closed 1 account instead of 2 which then caused a credit hit on the still remaining account. I called in to Amsher on XX/XX/21 to speak with a manager. I explained the situation to the manager XXXX, and told them of the multitude of errors they had caused. Missapplied payments causing a credit hit, drafting {$240.00} from my bank account without authorization. I told him to go listen to the call recordings and that each FDCPA violation could be hit with a penalty up to {$1000.00} not including legal fees. I explained I worked in collection complaince and if Amsher didnt want to reach a settlement on the phone I would be contacting the CFPB, XXXX, FTC . No resolution was attempted and XXXX ended the call. I am seeking a satisfactory resolution to the violations which not only caused my checking account to overdraft, but missapplied payments that caused an extra credit hit on an account that shouldve been closed if the payments had been applied correctly. If no resolution can be reached ill be contacting my attorney to subpoena the call records.
Consumer complaint received 2022-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi I am submitting this 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 more then 38 times nonstop this is exhausting 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 and XXXX and hope 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 one negative credit items outstanding debt now that is not mines. 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 negative account 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 im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Consumer complaint received 2021-07-02
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. (GA)

I did not consent to, authorize nor benefit from the following accounts block and remove it please AND If I received goods and services please have a senior executive certify under the penalty of perjury that i have in fact received goods and services as a results of this transaction, i have attached an FTC REPORT, A NOTARIZED FTC AFFIDAVIT AS WELL AS MY ID
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please Help Me Fix This I have been instructed by my advisor to write a letter to you since I am a Survivor XXXX XXXX XXXX 

I am in a desperate need to fix this problem since I am trying to get my life back together after being involved in XXXX XXXX. 

The Accounts that I put below are due to XXXX XXXX  : Please remove these accounts so I can start taking steps to getting my life back together. Thank you so much for assisting me and offering these resources to survivors like me. 

ACCOUNTS THAT ARE FRAUD DUE TO XXXX XXXX  : XXXX. XXXX XXXX XXXX / XXXX XXXX - Fraudulent Account Opened XX/XX/year> Account Balance : {$0.00} XXXX. XXXXFraudulentAccountAccount Balance : {$1500.00} XXXX. -XXXXFraudulentAccountAccount Balance : {$0.00} XXXX. XXXXFraudulentAccount-Account Balance : {$0.00}. 

Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-18
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (NY)

I called Comenity bank for a XXXX card that was opened in my name. When I called the said they sent it to a collection company and they gave me the info. I call the collection company and they said i had to send in the info proving identity theft. So I mailed it to them and I was waiting for it to be removed and they updated it making my score drop a lot by doing that!!! I am very upset and need them to take care of this!!! 
The name of the agency is XXXX XXXX.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

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 XXXX Account # : XXXXXXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX Bankruptcy 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 2022-11-19
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. (NC)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX 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 2023-04-04
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. (TX)

I had reached XXXX bureau, XXXX  and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.
Consumer complaint received 2023-12-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TapTap Send Inc. (WA)

I have been using tap tap send which is an international money transfer agency for several years now. Recently, I suspended my account and after I followed up for a couple of days, they said that they have permanently suspended the account. I tried to enquiry the reason this but they declined. I feel this is not fair at all because I also have my rights as a consumer. I also have the right to know the reasons for it's suspension.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute the accuracy of the charge off account listed on my credit report. According to the Fair Credit Reporting Act ( 15 USC 611 ), I have the right to request that inaccurate or outdated information be removed from my credit report. 
Account Information : Creditor Name : XXXX Account Number : XXXX Date of Charge Off : XX/XX/2023 Amount : {$0.00} I believe that this charge off account is inaccurate because settled and does not match XXXX or XXXX I am requesting that this charge off account be investigated and removed from my credit report in accordance with the Fair Credit Reporting Act. Please provide me with a written explanation of the results of your investigation and any actions taken to correct the inaccurate information.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my report. The remarks have been detrimental to my life and credit health.
Consumer complaint received 2021-09-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Regional Management Corporation (VA)

Received an actual check and letter mailed from Regional Finance to my address. The check is deceptive and is intentionally created to easily fool and take advantage of others by not realizing this is a personal cash loan. This was a pre-approved cash loan offer for {$2400.00} which I did not apply for. The sole intention of this letter and check is to take advantage of others especially stating to deposit the check at any bank. Monthly statements will also not be issued, causing victims to not realize this is not an owed check to them, but they are instead entering into a loan unknowingly and unwillingly.
Consumer complaint received 2021-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

OnXX/XX/2021 @ XXXX XXXX, I connected ( due to their call-back feature ) with " XXXX ''. I wanted to know why my credit score on Transunion dropped 41 pts onXX/XX/21 for no apparent reason. She just kept repeating it's the algorithms and unless I can give HER the reason something changed she couldn't help me. She told me I had to get a copy of my credit report, but that wouldn't tell me my score and I would have to pay for the actual score. I had noticed the drop because of XXXX XXXX, which shows consumers the scores of XXXX  and Transunion, therefore, I did not have an actual credit report or an " official '' ( according to XXXX ) Transunion score ( even though it's EXACTLY THE SAME as it turns out ). I tried doing the FreeAnnualCreditReport thing and couldn't get the Transunion report ( I did retrieve it long after I had hung up with her, but it didn't help at the time ). She also refused to assist me with an alternative way to get the report without having to sign up for Transunion monitoring for a monthly fee. So I'm stuck. I still don't know why my score dropped or how this " algorithm '' works in deciding to lower it by such a huge amount. I have worked extremely hard over the past 7 years to get my scores back up from a horrible place and have done a XXXX good job of it just to have some random agency with random algorithms knock me back down for doing nothing but a good job. The ONLY thing I could see is that one of my VERY old ( aged out due to 7 year rule ) accounts was removed from my report and I can not see why that would or should have a negative effect. If it does, shame on anyone in government who allows this to happen. It also happened with my XXXX  report, but after the experience with Transunion, I didn't even bother to call or contact them directly ( BTW, this was a 23 pt drop ). So I went from having VERY GOOD credit scores to " Fair '' at Transunion and " Good '' at XXXX. Heartbreaking.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon reviewing my credit report I discovered several unauthorized hard inquiries that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove the off of my credit report. This issue is causing undue stress and is negatively impacting my financial standing.
Consumer complaint received 2023-08-18
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)

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 : # XXXX XXXXXXXX XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-04-12
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. (MI)

XXXX XXXX is reporting a balance that is incorrect and has been incorrect, going on 30 days now. I have contacted them and the credit reporting agencies and have not gotten anywhere.
Consumer complaint received 2021-04-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BBVA FINANCIAL CORPORATION (AZ)

Two separate accounts in BBVA personal XXXX XXXX XXXX XXXX account # XXXX /Business account XXXX XXXX XXXX Account # XXXX Business account had a merchant debiting the account without any permission. Business account went into insuffient funds. BBVA said there was fraud on the business account .BBVA took money out of may personal account writing a credit check and depositing it in my business account, all money, {$12000.00} the business accounts insufficient funds including the bank fees totaled {$2100.00}. labeled as fraud .After my personal money was credited in the business account the bank, BBVA , paid the {$2100.00} and then " Force Debited '' the business account to zero, taking {$9800.00}. The bank did not have my permission to write a check out of my personal account and deposit it in the business account.. Before the account went into insufficient fund status, because of automatic debiting, I went to the BBVA bank branch and informed the branch manager, XXXX AZ ( XXXX XXXX XXXX. 
See attached for more clarification information and dates.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The accounts listed on my credit report contain inaccuracies, including incorrect account statuses, payment history, and/or account balances. Despite previous attempts to have these corrected, they continue to reflect erroneous information, which is unfairly impacting my credit score. I am requesting assistance in having these accounts reviewed and removed due to the inaccurate reporting.