davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-07
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. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report ''. I've already disputed these items with the bureaus but they did not remove them, nor prove validation. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-09-16
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)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penaltyofperjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX
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. (OR)

Recently checking my credit report I have noticed that I've been a victim of identity theft and found numerous credit inquires I have no knowledge of, here are the inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. Please remove these inquires from my credit report. 

I have also attached my identity theft report as well.
Consumer complaint received 2021-03-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (TX)

My husband and I have a joint account with the Navy federal credit union. I have had limited access to the account and when I called today to find out why the representative explained that I would need to be a member in order to receive the same access as my husband such as making a digital deposit. She told me that even though I am on the account I am not considered a member and to become one I would have to open a separate account. It is concerning to me that they are trying to force me to open another account that I do not need or want so that I can have the same access as my husband on a joint account. I feel this is a practice they may be using in order to inflate the account numbers.
Consumer complaint received 2022-09-18
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: EQUIFAX, INC. (TX)

In Accordance with the FAIR credit REPORTING act everything has to be XXXX XXXX accurate on my credit report. 

This account " XXXX '' was closed threw mutual consent between the creditor and consumer and is no longer associated with the individual " XXXX XXXX XXXX '' I demand it be removed but my request was ignored. 

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 consent.
Consumer complaint received 2022-09-21
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: SANTANDER HOLDINGS USA, INC. (LA)

Identity theft is the intentional use, possession, transfer, or attempted use, with fraudulent intent, by any person of any personal identifying information of another person to obtain, possess, or transfer, whether contemporaneously or not, credit, money, goods, services, or any thing else of value without the authorization or consent of the other person.
Consumer complaint received 2024-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following account are reporting inaccurate balances, dates open and closed, and some not reporting good payment history. There are duplicate account, and the same account reflecting different information on each bureau. Most accounts were part of litigation and should not have been reporting on my file. 
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
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

I have an account on my XXXX XXXX & Experian credit profile with XXXXXXXX XXXX XXXXXXXX XXXX. I wrote many letters to both companies and the actual collection agency and submitted a prior complaint to you ( CFPB ) and I'm not getting any answers that make sense. This collection company can not validate this debt. The documents that they are providing can be easily downloaded and manipulated. Any of the documents provided DO NOT have my signature or personal information attached just my name. Also, this company just re-aged my debt to XX/XX/2021, as if it's a new collection account. This is illegal and doesn't not me FCRA guidelines. I want this collection account deleted from my profile. I also hired an attorney to help me since no one is trying to do anything and will be filing a lawsuit against XXXX XXXX, Experian and XXXXXXXX XXXX XXXXXXXX XXXX for not doing their due diligence in this matter. 

XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX-re-aged and you can tell from my previous complaint. 
{$2000.00} I also want them to stop mailing be bogus statements every month. 

Thank you XXXX XXXX
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (CA)

This letter is to inform you that I am disputing your company 's references on my credit report because of the lack of completeness and/or accuracy. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete thorough investigations I am disputing the following information directly with you, the furnisher of the information, and I am requesting that you conduct an investigation as outlined in the FCRA section 623 : DISCOVER BANK XXXX Balance : {$560.00}
Consumer complaint received 2020-12-08
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. (FL)

My identity was used by someone else to open fraudulent accounts. This has resulted in the following ; US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
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. (UT)

Violations of the Fair Credit Reporting Act ( FCRA ) in the credit report. 
I am filing a formal complaint due to violations of my rights under the Fair Credit Reporting Act ( FCRA ). My credit report contains inaccurate and unverified information, which I have disputed with the credit agencies without receiving an adequate response. Below are the key violations under the FCRA that apply to my case : - **15 U.S.C. 1681b ( c ) : ** This provision regulates access to credit reports and stipulates that reports should only be shared with individuals or entities with a permissible purpose. In my report, inquiries have been made without my authorization.

- **15 U.S.C. 1681s-2 ( b ) : ** This establishes that information providers must correct and update any inaccurate information after receiving a dispute. In my case, the disputes have not been properly resolved, nor has the required verification been provided.

- **15 U.S.C. 1681e ( b ) : ** This law requires credit agencies to maintain maximum possible accuracy in credit reports. The negative information in my report remains unverified and is unfairly affecting my credit history. 

**Requested Solution : ** I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take the necessary actions to ensure that the inaccurate information on my credit report is corrected or removed. I demand that my consumer rights under the FCRA are respected, and that the mentioned violations are rectified as soon as possible.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

MY INFORMATION WAS SOLD AND BOUGHT ILLEGALLY BECAUSE I WAS A VICTIM OF THE EQUIFAX DATA BREACH. I WANT THESE ITEMS DELETED FROM MY CREDIT REPORT EFFECTIVE IMMEDIATELY. I AM ATTACHING PROOF THAT EQUIFAX HAS ADMITTED THAT I WAS IN FACT A VICTIM OF THIS DATA BREACH AND EQUIFAX HAS DONE NOTHING. PLEASE HELP ME DELETE THESE ILLEGAL ACCOUNTS FROM MY CREDIT REPORT. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-22
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: EQUIFAX, INC. (MD)

Notice to Agent Notice to Principal ALL CONTRACTS ARE VOID! This is the truth and nothing but the truth. If it is not THE GREAT LAW, I XXXX XXXX XXXX the living SOUL, Will not take part or honor any law that governs the jurisdiction of an illegal fiction. I will not converse in any law that is not The Great Law. Meaning adhesion contracts are hereby NOW void because they werecohesion by deception, This is Written Notice to cancel, settle, discharge, delete, destroy, burn, eliminate disappear, get rid of all illegal fiction contracts. The United States government and the Pope has been deceiving XXXX XXXX XXXX by promoting adhesion contracts, coercive laws, deceptive laws written under the pretax of our government, but its been fraud the whole time.Notice to agent is Notice to principal.I have a bandit all contracts due to the fact I have been deceive through legalese, and I have been trapped in the deception since XXXXMy birthright and blood rights has been taking away without my consent.This is Public Notice to ALL coming from XXXX XXXX and The Great Law of The REAL Americas ALL CONTRACTS ARE HEREBY VOID DUE TO NON-PERFORMANCE BY THE GOVERNMENT AND THERE CORPORATIONS! This is a Cease and Desist to all parties involved with trying to Contract without any lawful jurisdiction to my illegal fiction. Any corporation using any form of UNIFORM COMMERCIAL CODE or Maintaining a database of any information containing the name XXXX XXXX XXXX date of birth XXXX, Social security number XXXX is FIRED. Attached are copies of my identification and The American Declaration on The Rights of Indigenous Peoples!
Consumer complaint received 2021-09-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: BQ & Associates, P.C., L.L.O. (SD)

I have had two accounts with XXXX XXXX Bank that were past due since the beginning of COVID. During COVID I had XXXX XXXX defer payments. After COVID was over and we were back at work, we had sold our house on XX/XX/21. I contacted XXXX XXXX in midXXXX to inform them that I would be paying both credit card accounts in full by the end of XXXX ( we close on XX/XX/21 and the check will be available to me anytime between 2-10 business days ). XXXX XXXX accepted this agreement and told me they would not pursue legal action. This morning, XX/XX/21, I received a call from our local police department that they had tried to give me a summons for court from XXXX XXXX and their representation ( BQ & Associates ). I have tried contacting the bank which they told me to contact BQ & Associates and I have called and left voicemails for the individual in charge of my file with no response.
Consumer complaint received 2023-02-22
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. (MD)

Notice to Agent Notice to Principal ALL CONTRACTS ARE VOID! This is the truth and nothing but the truth. If it is not THE GREAT LAW, I XXXX XXXX XXXX the living SOUL, Will not take part or honor any law that governs the jurisdiction of an illegal fiction. I will not converse in any law that is not The Great Law. Meaning adhesion contracts are hereby NOW void because they werecohesion by deception, This is Written Notice to cancel, settle, discharge, delete, destroy, burn, eliminate disappear, get rid of all illegal fiction contracts. The United States government and the Pope has been deceiving XXXX XXXX XXXX by promoting adhesion contracts, coercive laws, deceptive laws written under the pretax of our government, but its been fraud the whole time.Notice to agent is Notice to principal.I have a bandit all contracts due to the fact I have been deceive through legalese, and I have been trapped in the deception since XXXXMy birthright and blood rights has been taking away without my consent.This is Public Notice to ALL coming from XXXX XXXX and The Great Law of The REAL Americas ALL CONTRACTS ARE HEREBY VOID DUE TO NON-PERFORMANCE BY THE GOVERNMENT AND THERE CORPORATIONS! This is a Cease and Desist to all parties involved with trying to Contract without any lawful jurisdiction to my illegal fiction. Any corporation using any form of UNIFORM COMMERCIAL CODE or Maintaining a database of any information containing the name XXXX XXXX XXXX date of birth XXXX, Social security number XXXX is FIRED. Attached are copies of my identification and The American Declaration on The Rights of Indigenous Peoples!
Consumer complaint received 2023-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

i constantly check my credit report and noticed errors continuing to report false and misleading information on my report for individual accounts that dont meet the credit rerporting standards of being 100 % correct. This has damaged me and held me back for a while now. I'm demanding CFPB to enforce the correction and or deletion of these items. These items were removed before.
Consumer complaint received 2020-09-04
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: Experian Information Solutions Inc. (FL)

I noticed incorrect accounts on my credit history and would like them to be reviewed because I did not inquire about any of these accounts. I have great credit and would not like my history to be tarnished by such acts of fraud. Please removed these accounts immediately.
Consumer complaint received 2023-02-22
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: EQUIFAX, INC. (FL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-03-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC (CA)

Received a mail from Sequium Asset Solutions , LLC last XXXX XXXX, letter was dated XX/XX/XXXX, reference # XXXX, creditor name : XXXX XXXX XXXX found out from XXXX it is XXXX  ) creditor account # ending XXXX, total due {$64.00}. 
Letter with bold print You are here by notified that a negative credit report reflection on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. 

I called XXXX XXXX XXXX ) XXXX last XXXX XXXX XXXX staff confirmed that I do not have any pending balance, NO due amount. I informed the staff that I NEVER receive any equipment thus no service at all from XXXX  in my XXXX XXXX address. 

I called Sequium Solutions today, XX/XX/XXXX XXXX XXXX line kept ringing then my call got cut. I called Sequium using another number at XXXX XXXX answered, he informed me that it was indeed from XXXX  for an equipment costing {$59.00} plus tax which amounted to {$64.00} that delinquency was reported XX/XX/XXXX. I told XXXX XXXX am disputing the charge and I NEVER received any equipment and NO service availed in my XXXX XXXX address, I am currently using a different internet carrier.I also told him that I verified with XXXX  and XXXX  confirmed that I do not have any pending balance.I also mentioned to XXXX that if XXXX XXXX was the delinquency date, XXXX  never sent any bill to my XXXX XXXX address that I could have disputed it earlier or XXXX  never sent any mail that showed any documentation that I received any equipment from them.
Consumer complaint received 2023-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY (NY)

I recently traveled abroad and utilized my TD credit card, which boasts no foreign transaction fees when I signed up for the credit card. I have returned and checked my statement to find multiple foreign transaction fees. I have reached out to the Credit Card Client Services and they initially claim that my card has foreign transaction fees. 

After further digging, the agent found that the terms and conditions of the credit card were updated as of 2021, but no formal notice/mail was sent to me. I was unaware any changes were made to my credit card. The agent stated that this information can all be found on the website. Still, I explained that I do not believe it is the consumer 's responsibility to check the website daily for updates to my credit card 's terms and conditions. These unethical practices were just the beginning of the nightmare. 

The agent did not attempt to resolve the issue but kept insisting that I go to a local branch for resolution and refer to the website for the updated terms and conditions. I am unable to make it to the physical location due to a medical condition, which is why I am reaching out to the Credit Card services via phone. When I asked to speak to a supervisor, she acted as an intermediate and dictated what her supervisor had said. When I wanted to file a formal complaint as the agent did not try to resolve any of my issues, she only provided me with her first name and no other identifying factors such as employee number. Additionally, I asked for the supervisor 's name whom she has been communicating with and she refused to provide it. Furthermore, I had asked to transfer to the complaint department and she said it was non-existent. Another 10 minutes go by and she provides a mailing address where I could send my formal complaint. I asked her to stay on the line while I verified and found inaccuracies in the address she provided. She made no further attempt to refute the address. 

The inconsistencies and misrepresentation of TD Bank with the credit card services and customer service agents have left me appalled by the business practices of TD Bank.