davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-21
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. (NJ)

was a victim of ID Theft. There are accounts on my TRANSUNION Credit Report that are fraudulent and do not belong to me. I have already filed a FTC Report. The accounts are as follows : XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-09-21
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. (SC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2022-11-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Finance Company, LLC (PA)

Hello, XXXX XXXX  card by Continental finance is trying to make me pay {$590.00} after closing my account against my will and then reopening it after attempting to enroll in XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX Their terms and conditions state that I do not have to pay an annual fee and interest will not be billed to my account. However, this debt continues to accumulate and Ive made several daily effort and attempts to reconcile this dispute.
Consumer complaint received 2022-11-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: ATLANTIC UNION BANKSHARES CORPORATION (VA)

I made a XXXX transfer from another bank account I have into my Atlantic Union Bank joint checking acct for XXXX around XXXX XXXX  on XX/XX/XXXX. These funds were placed in my available balance immediately making my available XXXX. I then transferred XXXX out of my joint acct into my single checking acct at Atlantic Union. My available balance was left at XXXX and was never negative. 
On XX/XX/XXXX, I was charged a XXXX overdraft fee for the XXXX I transferred out on XX/XX/XXXX AFTER the money I transferred from my other bank had been made available to me for use. This is beyond misleading to show funds available and allow them to be transferred out and then charge an overdraft fee for that. 
I called about the fee that was charged on XX/XX/XXXX at which time my negative balance after the XXXX fee was XXXX. This points to a problem since my total negative was less than the fee charged! Atlantic Union refunded the fee charged XX/XX/XXXX as a " courtesy '' but then told me that ANOTHER fee was going to come out because before they charged the fee on XX/XX/XXXX, I had move another XXXX into the acct on XX/XX/XXXX before they took the first fee out and then immediately moved XXXX to another Atlantic Union acct. AGAIN, these funds were available to me when I did this. So then they take that first XXXX fee out and then post my transfer AFTRR the fee, which makes it look like I also overdrew on the XXXX transfer out. So they charge me ANOTHER fee of XXXX. This is insane. My balance is again negative XXXX which is still less than the fee charged. I'm being charged a fee because of a fee and that is crazy! My available balance was never negative and I never initiated a transaction before funds were in my balance to use. The posting logic of this bank is set up in a manner to drive fee income and take advantage of its customers when funds are already low. I want a refund for the second fee assessed to my acct. I want to point out again that my acct balance was never negative and although I understand that you can't initiate a debit and THEN move funds in to cover that debit I did my credit transfers first, checked my available funds and initiated debit after that and based on what was AVAILABLE to me. 
Fix your posting logic or eventually you will get be involved in a lawsuit. Bigger banks have already gone through similar disputes in court and lost.
Consumer complaint received 2022-07-27
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. (GA)

I am reaching out to you in regard to someone opening accounts under my name. I haven't given anyone permission to open any accounts in my name, nor have i signed for these accounts to be opened. Some of these accounts I did not open, I'm not sure how they were opened without my consent. Some of these accounts need to be validated ; I believe they are not accurate. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Us Bk Pt Ct Ga Account Number : XXXX. Also, there are discrepancies on the 3 bureaus meaning All 3 bureaus information does not match up. From my understanding if all bureaus are reporting the same information, then the account should be delated. I also would like to see documents bearing my signature that I opened the accounts. Without my signature anyone could have perpetrated with the opening of these account. 
Also, there are hard inquiries that need to be removed due to this identity theft. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card XXXX XXXX XXXX XXXX  XXXX. 

Upon further research Fair Cret Act states that all credit reporting bureaus must be accurate with reporting on all 3 bureaus. In accordance with Fair Credit Act these companies listed 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 an account without my written consent.
Consumer complaint received 2022-07-27
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX account # XXXX and XXXX XXXX account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-11-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FB FINANCIAL CORPORATION (AL)

My mortgage is paid in full and up to date XXXX XXXX I paid my mortgage online. Accidentally typed XXXX instead of {$820.00}. 
XXXX XXXX {$820.00} was drafted from my checking account. 
XXXX XXXX {$820.00} was drafted from my checking account I requested one of the payments to be either reimbursed or credited to my account. 
XXXX received a letter from FirstBank stating that my mortgage had been transferred and I was to make payments to XXXX XXXX XXXX from now on. 
XXXX XXXX I received a reimbursement check for {$820.00}. It was stopped and I was charged {$10.00} I was contacted by XXXX XXXX XXXX saying that I was delinquent and owed XXXX, XXXX and XXXX. 
They told me FirstBank sent them my account and that is all it said. It did not have any prior payments. 
XXXX XXXX I was able to access my FirstBank mortgage online. It said the next payment owed was {$820.00}, XX/XX/XXXX, I received a letter from XXXX XXXX tax collector asking if I had a mortgage. I owed {$930.00} in taxes. -- -I pay my taxes and insurance through my mortgage XXXX XXXX I received a letter about a trial plan offer, if I wasn't approved, I would have a short sale or settlement statement. 
I was told that my delinquent mortgage had been sent to the credit bureaus XX/XX/XXXX. 
XX/XX/XXXX, I paid {$2500.00} to XXXX XXXX  for taxes and a two-month mortgage. 
XXXX XXXX I received a letter about foreclosure. 
I need this matter addressed, looked and cleared up. This has negatively affected me, and my family 's lives. I have been stressed with XXXX. I can't sleep, dealing with this situation has impacted my ability to do my job. FirstBank 's mortgage company has mismanaged my mortgage and finances, taxes and credit. If this is not looked into immediately, I have no other choice than to take legal actions. Attached are a few documents about my mortgage. Thank you
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Amsher Collection Services, Inc. (CO)

Amsher Collection Services reported a wrongful account to collections on behalf of XXXX XXXX. They reported I had not returned a piece of equipment. I did, however, return all 5 pieces of equipment on XX/XX/XXXX and have the receipt to prove it. I filed a dispute with both Amsher and XXXX on XX/XX/XXXX and uploaded the receipt showing proof of return with all serial numbers noted. I received an email from XXXX on XX/XX/XXXX informing me that my dispute was closed and the collection deleted from my report. The dispute report number is XXXX. 
Today, XX/XX/XXXX, I received another call from Amsher attempting to collect the debt. I informed them of all that had transpired. They informed me that the dispute I filed with their company came back unresolved and that Im still responsible for the equipment. When asked how the receipt doesnt prove return I was told that XXXX XXXX is saying the equipment never made it to their warehouse. As unfortunate as that is, its not my fault where the equipment did or did not make it after it was properly returned. Amsher has informed me that can not remove the collection and I need to speak to XXXX referencing my account XXXX. 

I kindly request that this injustice be corrected. I returned all equipment and am being wrongfully reported due to someone elses poor job performance within XXXX XXXX. Ive provided proof and request an immediate correction.
Consumer complaint received 2022-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synter Resource Group, LLC. (WI)

XXXX originally said I owed a debt. It appeared what happened was they charged a commercial shipping charge on my personal account. ( I am an individual and I explained you are charging me for commercial shipping between two companies I do not know. ) The debt was for XXXX and I contacted XXXX and explained that they were not legitimate charges. I received 2 different letters from XXXX  in the past and each time I contacted XXXX. The charges were for a commercial business. I explained - I am an individual that resides at a residential address. These services were never requested by me or provided by XXXX. This was communicated twice to XXXX immediately upon receiving the notices. I was assured that their error would be corrected, and it would be removed from my account. XXXX failed to follow through on their promise and I have now received a demand letter with the same information. 

I received 2 Demond letters for the same debt. One each from the following companies ; XXXX XXXX XXXX XXXX XXXX dated XX/XX/2022 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX VA XXXX Synter Resource Group LLC XXXX dated XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX
Consumer complaint received 2023-08-23
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: Frontline Asset Strategies, LLC (AZ)

I opened a new account with XXXX in XX/XX/XXXX online. I received the phones via mail and attempted to activate but was unable to do so. I spent more than 20 hours online over the course of a week trying to activate the new phone but it would not set up correctly. I was then told to go to a XXXX store to set up the phone but they too were unable to properly set up the phone and was told I had to contact them online since I received the phone via mail to have it replaced. I contacted XXXX online and was told there would be a {$70.00} restocking fee to replace even though it was not any fault of my own. By this point, I had been without cell phone or service for 2 weeks and did not want to pursue this account anymore. The agreement I had with XXXX is I could cancel within 30 days with no charge which I decided to do. In XX/XX/XXXX, I received a collection notice from Frontline Asset Strategies, the company who XXXX sold my " past due '' account to. I contacted XXXX and explained the situation to which they looked into and stated I did not owe any money. In XX/XX/XXXX I received another collection notice and contacted XXXX again, this time they sent me a guarantee email stating I did not owe any money and the issue would be resolved. Then again in XX/XX/XXXX, I received a notice from Frontline Asset Strategies regarding a past due balance. Again, I contacted XXXX and was told it would be taken care of. I did see it was removed from collections and I assumed the issue resolved. I checked my credit report today and see Frontline Asset Strategies have a collections account on behalf of XXXX for {$57.00}. I contacted XXXX and explained the situation but was told in XXXX, they deemed I did owe the money for phone service back in XX/XX/XXXX. I asked how it was possible I owed money when I never even had phone service which I could use. I then asked why wasn't I notified, the " supervisor '' XXXX, ID XXXX told me the account was written off in XX/XX/XXXX which is why I was not notified. Also, since it was written off there was nothing I could so other than to contact Frontline Asset Strategies to dispute the account. I find it incredibly fraudulent they atomatically posted a balance to the account when I was told it was {$0.00} then sent it back to collections and on my credit report without any notification. I am completely disputing this on my credit report and the money which XXXX says they wrote off since I have XXXX  guarantee email stating there was a {$0.00} balance.
Consumer complaint received 2023-06-19
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. (NJ)

To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX XXXX TransUnion ) credit report, and I noticed some late payments posted on my credit report : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) 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 you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 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 1681s-3 of this title, 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 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncomp
liance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX Enclosed : copy of ID
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

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.

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 2023-04-05
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. (MD)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list o items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX CT XXXX, MD XXXX XXXX XXXX Balance : - XXXX XXXXXXXX Balance : - XXXX XXXX Balance : - XXXX XXXXXXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXXXXXX Balance : - XXXX XXXX BANK XXXX Balance : {$940.00} XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : {$3000.00} XXXX CARD XXXX Balance : {$2900.00} XXXX CARD XXXX Balance : {$2900.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2300.00} U S DEPT OF EDXXXX Original creditor XXXX XXXX  XXXX Balance : {$1600.00} XXXX BANK XXXX Original creditor XXXX XXXXXXXX XXXX. XXXX Balance : {$0.00} XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX  Original creditor XXXX BANK XXXX XXXXXXXX Balance : {$1400.00} XXXX CRD SRVC Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$110.00} XXXX XXXX Original creditor XXXX XXXX XXXXXXXX Balance : {$860.00} XXXX OF XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX CO XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.