davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-13
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. (AL)

On XX/XX/XXXX I sent XXXX XXXX XXXX XXXX a certified letter concerning an alleged debt. I requested the original purchase agreement that shows they are the legal owner of this alleged debt and I asked them to include all the terms and conditions that are included in this purchase agreement. It is now XX/XX/XXXX well over the XXXX day period they are required to respond in. Secondly, XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX is not licensed to collect debt according to XXXX XXXX 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 2022-08-21
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

Companies have used my information to create or open accounts I did not authorize. Also they have sold accounts I have not authorized claiming I owe the debt to which I do not. I have contacted these companies a number of times to get these things taken care of and removed from my credit report. 

In accordance with the fair credit reporting report XXXX  all accounts on my credit file has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish an account with out my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-02-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2021, I sent a leter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report I has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-09-17
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. (FL)

This debt was apart of the federal lawsuit against the student debt companies. Biden against the student debt companies the suit was in Bidens favor he won, they only removed a portion of my debt and said I still owed when debt removal was up to XXXX. I have fighting against them to remove this debt over two years. I do not owe this debt this debt was filed with XXXX online for debt removal. I filed a XXXX XXXX and a debt removal form earlier this year.
Consumer complaint received 2024-10-27
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: SYNCHRONY FINANCIAL (IL)

The only credit inquiries in the last 5 yrs that I have authorized are XXXX credit repair free acccount and XXXXXXXX XXXX XXXX. I am disputing any and all other inquiries on my record. I believe that an ex partner of mine who had access to all of my personal information ran several credit inquiries and took out things in my name in order to not only track me as I was hiding from this person as well as for the purpose of ruining my credit as this was an abuser who did not want me to feel that I could survive without them and keep me dependent on them. They did not want me to have any life success independent from them as they knew I was taking steps to do so. Please remove all inquiries from my credit history.
Consumer complaint received 2021-02-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

This is the third complaint regarding Rash , Curtis and Associates abusive behavior regarding a collection account that was not mine. After my last complaint I was sent a letter dated XX/XX/2020 that I would no longer be sued for the debt nor would it be reported on my credit bureau. I provided that to XXXX and it was removed. This was based on the documentation provided at the time. Despite the fact that I have provided police reports to the credit bureaus and never was contacted for clarity by Rash Curtis. Two weeks ago I got an alert that the account was back to being reported on my credit after the company sent me a letter stating that it would not be reported. The tactics have become abusive and unethical.
Consumer complaint received 2023-11-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Neon Newco Corporation (TX)

Saturday night ( XX/XX/23 ) I was enjoying a musical with my family and had my notifications silenced. At the conclusion of the musical I was checking my email and noticed I had an email saying that my new NetSpend account had been set up with alerts, a bank account had been linked. This scared me so I immediately called the number on the email XXXX. I was unable to speak to anyone and there were no options for a fraud line. Thus, I followed up with an email to them to notify them that this was a fraudulent account. I received an email saying that they weren't able to locate my account with the information given. This, to me, shows a clear lack of security protocols in place. If a company sends an email, and asks " If you did not do XXXX  please email [ provided email address ] '' and then doesn't do anything about it when you actually try and warn them that there is fraud taking place seems unethical and negligent.
Consumer complaint received 2024-11-08
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2021-02-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (VA)

I first called on XX/XX/XXXX to let them know that there was a fraud through western union. There was money transferred in the amount of XXXX to XXXX, and i have no clue where that is. I spoke to a supervisor on this day and she stated it was a inside job and I will have the funds within 7-10 and the police would be involved. I then received a letter from my bank that the fraud charges that i called about and was refunded to my account would be taken away due to western union stating that it was mine. On XX/XX/XXXX I then spoke with another supervisor that the fraud case was not done properly by the first supervisor and he would submit the fraud claim and i would receive my money wthin 7-10 business once again. Throughout this time frame i have spoken to at least 8 reps and 3 supervisors and this has yet to be fixed. This is going on 4 months and I want my money ASAP!!!!
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2022-07-18
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

Company is money Gram, i send a {$200.00} on XX/XX/XXXX of this year to XXXX XXXX to a bank account by mean of this company and the money doesn't appear in the account of my wife. So I call this about 7 or more time requested a refund because I feel that getting the round of by this company my wife stated to me that money appear in their system but is blocked by money Gram and she is not access to money it all ever so mean while they state to me that will proceed to make a claim with the bank to see their respond but I think that taking me for ride.
Consumer complaint received 2023-04-05
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. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I learned of potential fraud on my credit report. I tried to access my TransUnion report today through their website and via their phone numbers to issue a credit freeze and fraud alert. 

This was completely impossible through any of their phone or website channels. 
TransUnion is required to submit my credit freeze within one business day of my request. However, they have closed all possible avenues for this request. 

I tried several of their possible phone numbers, including : XXXX ( main consumer line ) XXXX ( escalations line ) I tried five times. 

The first time, I got through but the representative transferred me without being able to help me issue a credit freeze. I waited for an hour without any agent talking to me. 

On the website, it just says there are 'technical difficulties ' and to call the numbers I listed above. Each time I called, the line auto-hung up on me.
Consumer complaint received 2022-08-21
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. (AZ)

PLEASE DELETE ASAP The following addresses are not mines ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX the following Employers are not correct ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX XXXX XXXXXXXX OH XXXX THESE TWO BANKS ARE NOT MINES I DID NOT AUTHORIZE THEM. XXXX XXXX XXXX XXXXXXXX XXXX PLEASE DELETE ASAP
Consumer complaint received 2022-07-18
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. (MI)

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, XXXX and TransUnion credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (CA)

I am writing to dispute several hard inquiries that appear on my credit report. I believe these inquiries were made without my consent and are negatively impacting my credit score. 
I have carefully reviewed my credit report and have identified the following hard inquiries that I wish to dispute : * XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-18
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: Experian Information Solutions Inc. (SC)

In accordance to the Fair credit reporting act the list of accounts below violated my federal protected consumer rights to privacy and confidentiality. Also have multiple inaccurate information, Under 15 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602a states that I have the right to privacy 15 USC 1681 section 6048 section 2 it also States consumer reporting agency can not furnish account without my written consent 15 USC 1861 c ( a ) ( 5 ) no consumer reporting agency may have a consumer report containing any of the following items of information any other adverse item of information, other than records of conviction which antedate the report by more than 7 years 15 USC 1681 S -A ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is incorrect According to 15 USC 1681 n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} but not more than a {$1000.00}
Consumer complaint received 2022-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

My account got hacked On the XXXX of XXXX. I contacted the bank on XXXX of XXXX and they told me a 3 the 10 business days. it's now been then over 22 days I have talked to them on the phone for over 4 hours. I've had to resubmit multiple times my issues. I've been given multiple phone calls that phone calls that this has been resolved. The money is still not back in my account and every time I call them they have to resubmit an issue to the fraud department. The bank is usaa and I need this money to pay bills My electric bill and my water bill are about to be turned off and I'm behind on my mortgage This money will help out due to the fact that I just lost my job and started a new
Consumer complaint received 2023-04-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc. (GA)

I received an alert on my credit report that Credit Management was placed on my credit report Tuesday, XX/XX/XXXX. I have not reached out to Credit Management because i have no knowledge of anything concerning this company. I was NEVER notified in writing of a notice to place this account in collections. I was not properly notified so that I could dispute the debt before it hit my credit report. This would have given me time to request validation. This account has been in dispute with the original creditor XXXX since XX/XX/XXXX due to their inaccurate charging of the bill to my account. XXXX never resolved the issue with me as a consumer, and have since sent this account to several collection companies without notifying me as well. This should be immediately removed from my credit report for the collection agency never notifying me of their attempt to collect any debt. They have illegally placed this on my credit report and i am filing this as a complaint and will take further action if it is not removed.
Consumer complaint received 2022-08-21
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. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages 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.