davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-02
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)

According to my consumer report I received dated ( XX/XX/2023 ) and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) such authority. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report and causing mental anguish. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted ( XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME BY : TRANSUNION, XXXX AND XXXX
Consumer complaint received 2023-03-10
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. (TX)

The credit reporting agencies are reporting incorrect information on my credit report. I have tried to remedy this numerous times to the point of no avail. I do not believe that the credit reporting agencies are taking consumer complaints seriously. The account that I am demanding to be removed from my credit report is XXXX XXXX XXXX  ( XXXX ) XXXX. I do not owe this company anything and I do not have an account with them. The original creditor that I have an agreement with is XXXX XXXX and I will attach the documents. Also, the amount that XXXX is reporting is not correct. The correct amount that the original creditor gave me is {$510.00} so why are the credit bureaus allowing incorrect information to report on my credit report? Also, this account has been re-aged and should not be reporting according to FCRA. I also contacted XXXX  and they stated that they do not add interest or fees to its accounts so where is this incorrect balance furnished from? The account I had with XXXX XXXX was in 2017. Please remove this account from my credit report due to inaccurate reporting and non-compliance with FCRA. Please see the attached dispute letters I have sent over 4 months ago.
Consumer complaint received 2023-04-02
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: Bridgecrest Acceptance Corporation (GA)

The following accounts and their respective creditors are in direct violation of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. 

XXXX Account Number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Below are the following US Code violations these entities have committed. 

16 CFR 681.1 ( 2 ) ( iv ) 16 CFR 660.4 ( b ) ( i ) 16 CFR 660.4 ( b ) ( iii ) 16 CFR 660.4 ( d ) ( 1 ) 16 CFR 660.4 ( e ) ( 1 ) 16 CFR 660.4 ( e ) ( 2 ) 16 CFR 660.4 ( e ) ( 3 ) 16 CFR 660.4 ( e ) ( 4 ) 15 USC 1681 ( i ) ( 7 ) states that the consumer reporting agency shall provide to aconsumera description referred to in paragraph by not later than 15 days after receiving a request from theconsumerfor that description. 15 USC 1681 ( i ) ( 8 ) states that the deletion of the information should also come within 3 business days, and 15 USC 1681 ( i ) ( 8 ) ( a ) states that I must be informed by telephone of the deletion. These blocks the credit bureaus place on my report immediately get removed with NO details of the investigation, regardless of all information I supply them with that, quite literally, details all aspects of my identity theft.
Consumer complaint received 2022-12-03
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: EQUIFAX, INC. (NY)

This complaint is from me XXXX XXXX the person not from a third party company or any other person but me this is a real complaint. 
I am the victim of identity theft, i sent in a report and everything that ftc said that i should to get the identity theft removed from my credit but the credit bureaus did not remove any of the accounts that were included in the identity theft.
Consumer complaint received 2020-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The following are accounts on my credit report that do not belong to me : XXXX XXXX Opened XX/XX/XXXX Balance {$75000.00} XXXX XXXX Opened XX/XX/XXXX Balance {$26000.00} XXXX XXXX Opened XX/XX/XXXX Balance XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$580.00} XXXX XXXX Opened XX/XX/XXXX Balance {$870.00} XXXX XXXX Opened XX/XX/XXXX Balance {$12000.00} I am demanding proof of signature. By law I have a right to a copy of the documents you have on file verifying the accuracy of these accounts. If you can not produce them bearing my signature you must remove them immediately from my credit report. I will file a lawsuit for defamation of character.
Consumer complaint received 2023-06-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-03-27
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. (MI)

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. section2 : States a consumer reporting agency can not furnish a account without my written consent XXXX XXXXXXXX Experian XXXX Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account Charge account XXXX Code : Individual Individual Individual Account Status : Closed Closed Closed Monthly Payment : {$100.00} {$100.00} {$100.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$3100.00} {$3100.00} {$3100.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$3300.00} {$3300.00} {$3100.00} Credit Limit : {$3100.00} {$3100.00} {$0.00} Past Due : {$380.00} {$380.00} {$380.00} Payment Status : Late 90 Days Late 90 Days Late 90 Days Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Canceled by credit grantor Account has been closed due to inactivity. 
Accounts closed by credit grantor Charge Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history
Consumer complaint received 2023-03-27
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: EQUIFAX, INC. (MI)

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. section2 : States a consumer reporting agency can not furnish a account without my written consent XXXX XXXXXXXX XXXX Equifax Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account Charge account XXXX Code : Individual Individual Individual Account Status : Closed Closed Closed Monthly Payment : {$100.00} {$100.00} {$100.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$3100.00} {$3100.00} {$3100.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$3300.00} {$3300.00} {$3100.00} Credit Limit : {$3100.00} {$3100.00} {$0.00} Past Due : {$380.00} {$380.00} {$380.00} Payment Status : Late 90 Days Late 90 Days Late 90 Days Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Canceled by credit grantor Account has been closed due to inactivity. 
Accounts closed by credit grantor Charge Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

To Whom It May Concern, I recently received a copy of my ( Experian, XXXX, and XXXX ) credit report, and I noticed some late payments posted on my credit report : ACCOUNT NAME : XXXX XXXX XXXX ACOUNT NUMBER : XXXX Dates reported late : XXXX of XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX. 

ACCOUNT NAME : XXXX ACOUNT NUMBER : XXXX Dates reported late : XXXX of XXXX, XXXX of XXXX, XXXX of XXXX. 

ACCOUNT NAME : XXXX  ACCOUNT NUMBER : XXXX Dates reported late : XXXX of XXXX, XXXX of XXXX, and XXXX of XXXX. 
I HAVE NEVER BEEN LATER ON THESE ACCOUNTS I was never late on these accounts. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please DELETE this alleged late payment from my credit report per 15 USC 1681b.

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) 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 XXXX per violation for : XXXX. Defamation of Character ( per XXXX ) XXXX. Negligent Enablement of Identity Fraud XXXX. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ].
Consumer complaint received 2023-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (CA)

American Express charged me interest on charges that I had put into disputed status, THE DISPUTES ON WHICH ARE STILL UNRESOLVED TODAY, in blatant and fraudulent disregard of governing federal consumer protection law that PROHIBITS EXACTLY THIS! I detailed this for them in 3 phone calls over the last 2 months, but they refused to remove this fraudulent interest charge. They also refused my request to have all 3 of my calls transfered to a supervisor in the US! 

All of this despite the fact that I have always, EVERY month for the past 19 years that I have been with American Express, paid my ENTIRE undisputed balance in full and on time, as I detailed to them in those 3 phone calls. American Express is tired of not making an " extra profit '' off of me ; the float they earn off my SIGNIFICANT monthly charges is not enough for them! They have to try to charge me their OUTRAGEOUS interest that they do to thousands of their card holders! 

American Express is also doing this to retaliate against me for the prior complaint I filed with this CFPB detailing how I was unable to use my card at all over a 3 month period because, EVERY time I tried to use it, American Express put a LUDICROUS and FRAUDULENT block on every charge with an equally- ludicrous claim that the charge " appeared to be suspicious ''. EVERY one of those supposedly-suspicious charges was to a MAJOR, TOTALLY-REPUTABLE US merchant/vendor!! ! And then American Express had the audacity to wait more than 30 minutes on EVERY one of those blocked charges to send me a text message requiring me to verify that the charge was OK!!! By then I had obviously finished the on-line charge and/or left the store in question, having had to make the charge using a different credit card that I did NOT want to use!!! All of those charges went through on that other card with absolutely NO PROBLEM WHATSOEVER!!! Of course they did : they were NOT suspicious in nature AT ALL!!! 

If I have to pay this FRAUDULENT interest charge, I will sue American Express in small claims court to recover it AND ALL applicable/related legal costs.
Consumer complaint received 2022-12-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information TransUnion. Please delete the following accounts : XXXX XXXX bal {$0.00}, XXXX XXXX XXXX {$1100.00}, XXXX XXXX XXXX {$2600.00}, XXXX XXXX {$110.00}, XXXX XXXX {$1300.00}
Consumer complaint received 2020-07-02
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. (SC)

On XX/XX/ 2020 I've sent a letter to Experian requesting a description of the procedure used to determine the accuracy and completeness of the information ( Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ) ) because multiple accounts on my credit file showing incorrect information. 
Experian has not honored my request and instead replied with a statement that my claim will not be investigated. 
It is a clear FCRA violation.
Consumer complaint received 2020-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (NY)

I purchased concert tickets for a show at XXXX XXXX in XXXX on XX/XX/2020 that was cancelled due to COVID. I was charged for these tickets back in XXXX of 2020, and I have emailed and called XXXX XXXX  over and over for a credit with no response. I then filed a dispute with my credit card company, TD Card Services, over a month ago, and no one at TD Card has been assigned to work on my case, which I was told today by a supervisor when I called to inquire the status. I feel I have paid for something that never transpired, and would like a refund ASAP, as I also feel I have been waiting long enough.
Consumer complaint received 2022-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Experian Information Solutions Inc. (NV)

Called the XXXX XXXX credit card company and stated I never received a credit why are there charges on my credit report. They knowledge I didnt receive a credit card an stated they canceled the credit card but I noticed they put a sixty day notice on my credit report.
Consumer complaint received 2023-06-23
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in 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 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 2020-07-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (AZ)

I received my mortgage statement today. It shows I did not make a payment last month. I called customer service and she said there is no record of a payment made. My bank cashed my check to the mortgage company on XX/XX/2020. They also have {$380.00} listed as unapplied funds, which should have been applied to extra principle and she refused to do that.
Consumer complaint received 2023-04-02
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Central Portfolio Control Inc. (NY)

Im not liable with this debt with central portfolio cont. I do not have any contracts with them and had asked them to send me the original application like I asked and they did not send any. There are 2 accounts on my credit reports from them in the amounts of {$5600.00} and XXXX
Consumer complaint received 2020-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity thief. My information was exposed in 2017 through XXXX  data breach. This information has been confirm on their website and the account were never created by me. The account itself fail to display my full name and dosent fully verify any of my information. I sent multiple request through the credit beau to investigate the information and send me any document that will let me identify the account belong to me. Even though the creditor they can not verify any of the information. I would like to see document or paperwork to know how my information was verified not just the person on the phone stating that it was. I recently got evicted from my building because they change ownership and i can not get approve for a new place to live due to the state of my credit. please resolve this matter immediately.
Consumer complaint received 2024-11-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (GA)

TO WHOM IT MAY CONCERN : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate. XXXX ) Please remove the following inaccurate address from my credit report : CREDIT COLLECTION SERVICES. According to the FCRA, accounts that have been disputed by the consumer must be notated as such. Your failure to investigate this account, and notate it as such is a violation of the fair credit reporting act. Please remove immediately
Consumer complaint received 2020-07-01
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. (NJ)

I disputed 3 alleged accounts on the credit report that Trans Union has reserved under my name. They stated the alleged debts were verified. Upon receiving their letter for the alleged accounts which were unverified. I ASKED for the procedures of how these 3 accounts were verified and furnish the documentation for the alleged accounts which to date i have not received. Trans Union have not provided their procedure or documentation i have requested. I believe Trans Union is violating my consumer rights according the FCRA. 

According to FCRA if an account is inaccurate and can not be verified it must be deleted from a consumer 's credit report. I am requesting that they delete the accounts they have on file regarding me. 
I have attached 5 exhibits of our communication through the mail detailing their disregard of my consumer rights.