davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-03
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. (TX)

I recently received a copy of my ( XXXX, XXXX or TransUnion ) credit report, I noticed that some late payments posted to my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX Under 15 U.S.C. 1681b - permissible purpose of consumer reports, The Clearly States : 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.

I did not give written instructions to furnish this account 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 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 U.S.C. 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 : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2022-10-05
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. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1300.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX A ) XXXX Balance : {$210.00} XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX  XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-07-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (PA)

There is a Debt collector trying to collect money from me that i never did business with. This company is Fraud! ( National Credit Adjust of XXXX XXXX for {$810.00}. I have NEVER did business with this company! They claimed it was opened XX/XX/XXXX, XXXX Demand this company to show Proof of any documents that i signed showing that we did business together!
Consumer complaint received 2022-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

To whom it may concern I checked my credit report and noticed several fraudulent inquiries as follows XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX.
Consumer complaint received 2022-07-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

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. 

Account # XXXX XXXX XXXX XXXX  {$1200.00}
Consumer complaint received 2022-07-03
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. (IA)

In accordance with the Fair Credit Reporting act XXXX account # XXXX - XXXX XXXX XXXXXXXX XXXX XXXX - XXXX, XXXX XXXX XXXXXXXX - 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 2022-07-03
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. (NV)

N 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.
Consumer complaint received 2022-10-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service (MD)

I opened a Military Star Card account on XX/XX/XXXX for {$4.00}, XXXX. I began making monthly payments of {$96.00} to $ 100 monthly from on or about XX/XX/XXXX until my last payment of {$100.00} on XX/XX/XXXX ( please see attached email receipt ). XX/XX/XXXX my amount due was {$4000.00} eventhough i NEVER missed ANY payments. Within 7 days of my payment I received email on XX/XX/XXXX stating I had missed my payment. Then on XX/XX/XXXX I received another email stating I was 2 payments past due and that my account was suspended. Then on XX/XX/XXXX I received another email stating my account was 3 payments past due and that they would begin Garnishment, reporting to Credit Bureau etc. 
I had XXXX % income reduction due to COVID-19 Pandemic. 
Fast forward to XX/XX/XXXX. I called to request debt reduction and settlement of my debt. The Senior Representative XXXX XXXX XXXX told me the following : " XXXX Outstanding Debt Military Star AAFES reduction of debt policy my Account doesn't qualify Minimum 12 months to apply for reduction of debt Default XX/XX/XXXX. '' They had already initiated Garnishment orders. 
I requested to speak with a Supervisor. XXXX XXXX XXXX came on the phone and stated the following " 2 consecutive payments then I qualify for reduction of debt '' I agreed to make 2 consecutive payments of {$1500.00} on XX/XX/XXXX and XXXX to qualify for this reduction of debt. 
I was instructed to call back before XX/XX/XXXX when the next interest cycle would occur and offer to resolve debt. 
I called on XX/XX/XXXX and spoke to XXXX XXXX again. 
Now I had XXXX remaining, and I asked for Reduction of debt and offered to pay an additional {$500.00} submitted. I was told it would take upto XXXX business days for a response. On XX/XX/XXXX, I missed a call from XXXX XXXX but a message was received to return call. On XX/XX/XXXX I received another call from XXXX XXXX that they declined my offer and stated I had to pay {$1800.00} " flat '' of the {$2300.00} remaining, eventhough I just paid {$3000.00} in the last 2 weeks. I asked could there be a reconsideration for possibly {$800.00} or {$1000.00} and he said NO. There is NO reconsideration. I have NEVER heard a debt collector unwilling to work with a client. XXXX XXXX was off that day.
Consumer complaint received 2022-10-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc ()

my paypal email is XXXX my account is restricted i am a XXXX and XXXX XXXX i am a XXXX XXXX XXXX XXXX XXXX  and i have received many payments from XXXX but after i got a client from XXXX and i got also from XXXX as i am a XXXX too..i just got a client for approval of adsense that is a digital marketing work worth of XXXX $ but after that all details i have provided through your call support i only upload my ids and it match with my account my why my account is permanently limited ....?? I didn't do any illegal things as you can see my transaction... if you need proof then i can send you, my XXXX link here XXXX XXXX XXXX XXXX and i have XXXX channel also XXXX XXXX XXXX
Consumer complaint received 2022-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (FL)

A pending XXXX debit was presented to Wells Fargo in the amount of {$5.00}. This was PENDING- not a check to be covered and cleared. XXXX went ahead and assessed a {$35.00} NSF fee on this transaction. Plus a {$10.00} account fee on the very same day. This is usurious, unfair, deceptive and malicious. I never had account fees assessed ever before. Have had this account for years upon years. 

This {$35.00} fee notice has been Refused for Cause. Please see the attached.
Consumer complaint received 2023-03-09
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-23
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. (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 XXXX XXXX XXXX HAS VIOLATED MY RIGHTS Account XXXX XXXX ) XXXX XXXX XXXX HAS VIOLATED MY RIGHTS Acct XXXX XXXX XXXX XXXX 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 instructions. 

XXXX5 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. 

Therefore
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 — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I am making you aware that XX/XX/2022 I sent to XXXX XXXX, XXXX XXXX, XXXX XXXX a notice informing them of their violation that allowed me to make an uninformed decision when I entered an agreement with their company. The information given to me was not clear nor conspicuous for me as a consumer to understand. The companies failed to provide me with an adequate notice giving me pertinent facts that were to be clear and conspicuous. I am making you aware of the fraud and deception these financial institutions have been doing. According to 15 USC 1611 whoever willfully and knowingly gives false or inaccurate information shall be fined for {$5000.00} or be imprisoned not more than one year or both. You have been warned of the notice.
Consumer complaint received 2022-07-02
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. (TX)

In accordance with the Fair Credit Reporting act the following accounts have violated my rights per : 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 XX/XX/XXXX XXXX - {$190000.00} - opened XX/XX/XXXX, Last payment - XX/XX/XXXX, Dispute inconsistent dates with other bureaus and length of account. 

XX/XX/XXXX XXXX- {$32000.00} - opened XX/XX/XXXX, Last payment- XX/XX/XXXX, Dispute inconsistent dates with other bureaus and length of account. 

XX/XX/XXXX XXXX - Dispute inconsistent dates with other bureaus. 

XX/XX/XXXX XXXX XXXXL ( Original Creditor : XXXX XXXX ) - Dispute inconsistent dates with other bureaus.
Consumer complaint received 2022-06-30
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: DISCOVER BANK (FL)

My XXXX Credit report contains an unauthorized inquiry from Discover Home Loans, XX/XX/2022. I have been a victim of Identity theft, this has been reported to XXXX and this needs to be taken off my credit report. I have called XXXX to dispute this and i am also reaching out to the consumer financial bureau.
Consumer complaint received 2020-05-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (CA)

American Express has been harassing me through their agent XXXX : my wife and I both lost our jobs due to COvID-19 in XXXX, since then, we havent been able to make our monthly payments to American Express. My minimum monthly payment was {$520.00}. After missing the XXXX payment, they decided that I owe them no less than {$6000.00} as a minimum payment or they would report me 30 days late. I didnt have the {$520.00} to pay them let alone the {$6000.00}. The collection agency they use, has been abusive, they harass me, they contact me before XXXX XXXX and after XXXX XXXX. They are completely unsympathetic to my problem, and they raise their voices at me and threaten to destroy my credit profile. American Express, refuses to contact me directly or speak to me. They refuse to make any payment arrangement for me or offer me any type of deferment. I have never been treated like this by any other credit card company. I have had an account with American Express since 1995. Every other credit card company is working with me in some capacity.I need American Express to come to the table and offer me some sort of payment plan so that I can pay off my debt. I refuse to ever speak to XXXX again and will continue escalating this matter to every possible government regulatory agency of this pattern of abuse does not abate.
Consumer complaint received 2022-06-30
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 sent TransUnion a notarized letter. Stating that they have violated my rights under the Fair Credit Reporting Act 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 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.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I dont know wherever to place myself in this state thats taking place at the moment. I assumed that Credit Bureaus are set to fulfill the FCRA laws. But based on what I realize, it appears that they dont have any fear of ignoring this kind of complaint. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or ELIMINATE any information in my file that is caused by alleged identity theft, not later than 4 business days after the date of receiving. I have sent loads of dispute letters and complaints together with my FTC report and Police Report that I filed at my local Police Station but you there at Transunion are so steady with what youre doing, and thats turned a blind eye to my complaint. Is it that tough to understand where Im coming from? Common! This is not rocket science! Please comply with the law and DELETE the account right away. 

XXXX XXXX  XXXX
Consumer complaint received 2022-07-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CL Holdings LLC (OK)

Jefferson Capital Systems , LLC I have asked them not to contact me and this account went from XXXX to XXXX it was XXXX that went to XXXX XXXX and now Jefferson Capital Systems they said it was back in XX/XX/2019 It's like every time I say stop contacting me they continue to sell the debt to someone else it seems like they are trying to find some loop hole
Consumer complaint received 2022-09-21
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2022-07-01
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. (NV)

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 an account without my written instructions. 
The following Accounts : Original Creditor : XXXX as serviced by XXXX XXXX XXXX  : XXXX XXXX Open Balance : {$6700.00}
Consumer complaint received 2022-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

The people I was dealing with posed as employees of XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, finance and a man by the name of XXXX XXXX with XXXX XXXX and all these transactions were to get me set up for my new job that I was suppose to start on Monday XX/XX/XXXX. They sent me a check on XX/XX/2022 in the amount of {$4900.00} via email for me to print out and I was instructed to use my bank app to deposit and use the funds to pay for services to help get me set up for my new job. The people that sent the check knew it was a bad check and so I was prompted to act fast to send {$2000.00} to XXXX XXXX XXXX and {$1000.00} to XXXX all under the impression that this check was going towards setting up the equipment I purchased through XXXX and ultimately sent to a company XXXX XXXX XXXX ) that was to perform the installation that I later found out was a residence. I am still trying to dispute these charges with XXXX. I then was instructed to get 2 gift cards in the amount of {$500.00} each, I was able to only get one. I did not send them a picture of the front and back of the card. By the time XX/XX/2022 came the bank canceled the check and I was left with - {$500.00} in my checking account. This was activity on my account that should of been a red flag to Bank of America.
Consumer complaint received 2022-09-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.