davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-22
Product: Credit reporting 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. (AK)

I am filing this complaint because I have been unable to access my free annual credit report through XXXX website and mobile app, as well as being unable to file disputes on their platform. This has been an ongoing issue, and despite several attempts to log in and resolve the matter, I have been denied access to my account. 

Key Details : Attempts to Log In : I have tried multiple times to log in using my credentials, but I repeatedly receive error messages that prevent me from accessing my account. 
Customer Service : I have contacted XXXX customer service, but no resolution was provided. [ Include specific dates, times, and the names of representatives if possible. ] Dispute Access Blocked : In addition to the login issue, I am unable to file disputes online, which is a violation of my rights under multiple consumer protection laws. 

Laws Potentially Violated : XXXX. Fair Credit Reporting Act ( FCRA ) : TransUnion is violating my right to access my free annual credit report ( 15 U.S.C. 1681g ) and my right to dispute inaccurate information on my report ( 15 U.S.C. 1681i ). Their failure to allow me to dispute errors online also contradicts their obligation to maintain reasonable procedures to ensure accuracy ( 15 U.S.C. 1681e ).

2. Consumer Financial Protection Act ( CFPA ) : Under the CFPA, TransUnions actions could be considered unfair, deceptive, or abusive acts or practices ( 12 U.S.C. 5531 ). They are failing to provide me with the access I am entitled to under the law.

3. Federal Trade Commission Act ( FTC Act ) : By not providing access to my credit report and blocking my ability to dispute errors, TransUnion is engaging in potentially unfair or deceptive practices, which is prohibited under the FTC Act ( 15 U.S.C. 45 ). 
XXXX. XXXX XXXX XXXX XXXX and Consumer Protection Act : TransUnions practices may violate UDAAP provisions ( 12 U.S.C. 5531 & 5536 ) by unfairly restricting access to credit report information and dispute processes.

5. Electronic Signatures in Global and National Commerce Act ( E-Sign Act ) : If TransUnion is providing electronic access to credit reports and disputes but not making them accessible to me, they may be violating the E-Sign Act ( 15 U.S.C. 7001 ).

6. Equal Credit Opportunity Act ( ECOA ) : By limiting my ability to access my credit report and dispute errors, TransUnion may be violating the ECOA ( 15 U.S.C. 1691 ) by potentially preventing me from accessing my credit history.

7. Fair and Accurate Credit Transactions Act ( FACTA ) : TransUnions actions may hinder my ability to monitor my credit for identity theft, violating my rights under FACTA ( 15 U.S.C. 1681m ).
Consumer complaint received 2022-12-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I had a Power of Attorney, and XX/XX/XXXX she transferred {$55000.00} from my USAA ACCOUNT to her personal account. I was denied permission from access to see available funds to this account, and I was verbally told by my P.O.A. that I had {$50000.00} in my checking account. I asked USAA in XXXX to do an investigation into the transaction, and I received a notification identifying that the transaction was legal and valid. On XX/XX/XXXX I received a document from my P.O.A. that funds were invested into a Certificate of Deposit Account in her name at XXXX XXXX XXXXXXXX on XX/XX/XXXX for a total of {$53000.00}. I would like funds Transferred legitimately back to the original account of USAA.
Consumer complaint received 2022-12-06
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. (NY)

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  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 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 XXXX 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
Consumer complaint received 2022-09-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc (NC)

This complaint is regarding accounts. Per track, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported.
Consumer complaint received 2022-09-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRUIST FINANCIAL CORPORATION (GA)

In XXXX of XXXX, someone went into Truist Bank and opened a checking and savings account in my name with {$25.00}. The person proceeded to take a line of credit in the amount of {$3000.00}, a credit card with a balance of {$3200.00} and a personal loan for {$8500.00}. I have already personally visited a local branch on XX/XX/XXXX, where they " froze '' the accounts. However Truist Bank has not removed them from my credit report! Even when calling customer service on XX/XX/XXXX, they kept transferring me to different departments and has not removed the fraudulent accounts. How Truist Bank allows someone to open an account with {$25.00} then immediately get thousands of dollars in loans/credit cards and subsequently withdraws all that money in XXXX ATM transactions over a few days and doesn't get flagged as fraud is ridiculous!
Consumer complaint received 2022-12-06
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: ENOVA INTERNATIONAL, INC. (MN)

I have no knowledge about this loan. I have tried to dispute on several occasions with no avail. I suffer from a XXXX and had my phone hacked, I have no knowledge of this predatory loan. I have since changed my telephone number and got a new phone, and practice much safer online principles. I reported the issue to my bank, issued a stop payment immediately and submitted several disputes. This account was opened fraudulently, I am struggling financially, and with my XXXX and this creditors predatory record I do not feel safe and am now financially insecure after a substantial long credit rebuild.
Consumer complaint received 2022-12-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

I had tried to get XXXX and XXXX to remove the account from Portfolio Recovery from my credit file. The reports says that the account is from XXXX bank. It was FRAUD and has been reported as such
Consumer complaint received 2022-12-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC (FL)

Ive been unable to open a checking account with XXXX, XXXX XXXX, XXXX or any financial institutions due to Early Warning Services LLC restrictions on my Identity/Account. I called XXXX they said I was cleared to open an account, on XX/XX/2022 I went to a local branch in XXXX, XXXX to open an account after I was instructed to by a XXXX  customer representative. When the banker attempted to open the account, an error was giving from early warning service LLC and I was unable to open the accounts. Ive been having issues with multiple banks with early warning Services LLC and I would my name cleared from there system and all my information
Consumer complaint received 2022-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (NC)

This is my second dispute with the Credit Bureaus, the inquiries were taken off That Fraudsters applied for but the Account from Discover Bank now shows as closed and not DELETED FROM MY ACCOUNT AS I REQUESTED. 

I am a victim of Identity Theft. My information for Compromised during XXXX 's Data Breach.

Included I have added screenshots and also my Data Breach Claim Number. I have a Closed Account for Discover Bank with a Balance of {$7800.00}.

I have never opened Nor Used Discover Bank and I am asking you to DELETE it. Also I am asking yo to immediately DELETE The address that is on my account that's used in this FRAUDULENT activity at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 

I have never stayed at the above address, Ive stayed in North Carolina all my life.
Consumer complaint received 2022-12-06
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: Paramount Recovery Systems, L.P. (FL)

In accordance with the fair credit Reporting act XXXX XXXX  # XXXX, 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat o payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2022-12-17
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. (NC)

Today, XX/XX/XXXX, I checked my credit report and XXXX XXXX XXXX XXXX has reported that my account with them is delinquent. They are also reporting that I owe a balance that is over {$9000.00} when the balance owed is {$3.00}. I have paid {$5500.00} on the {$9000.00} debt. I have attached a list of the payment receipts to this complaint. 

In XX/XX/XXXX, I filed a complaint that XXXX XXXX XXXX XXXX never responded to. In addition to the inaccurate account information being reported by XXXX XXXX XXXX XXXX to the credit bureaus, my credit score dropped XXXX points. Please see attached all payments made since XXXX at the branch that have not been applied to my account. As of today, I have not received a statement from XXXX XXXX XXXX XXXX that lists the payments they have received from me or the remaining balance. 

How can XXXX XXXX XXXX XXXX knowingly report inaccurate information against me to the credit bureaus when I have proof that the information they are reporting is false and is severely damaging my credit report and score?
Consumer complaint received 2022-12-06
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX 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 2022-12-06
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. (VA)

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX # XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX Date opened XXXX XXXX XXXX, XXXX Balance : {$650.00} ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX.
Consumer complaint received 2022-12-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ragan & Ragan, PC (GA)

I had XXXX accounts with XXXX XXXX XXXX. I had insurance with my accounts and sent in the needed documents. I was not working. They failed to process my insurance and caused this account to be delinquent. 
This was during the pandemic. 

XXXX Account- {$1200.00} XX/XX/2021 XXXX Account- {$1700.00} XX/XX/2021 I have not heard from this company for almost XXXX years and they old it to a collection company. No communication.
Consumer complaint received 2022-12-06
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: AMERICAN HONDA FINANCE CORP (CA)

American Honda Finance XX/XX/2022 XXXX XXXX XXXX XXXX XXXX This account is showing up as an inquiry on my credit report. I have already tried to dispute this account and it still shows. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX ) XX/XX/2022 This account is showing up as an inquiry on my credit report. I have already tried to dispute this account and it still shows. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX ) This account is showing up as an inquiry on my credit report. I have already tried to dispute this account and it still shows. 

XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX  This account is showing up as an inquiry on my credit report. I have already tried to dispute this account and it still shows. 

XXXX XXXX XXXX XXXX XXXX XXXX  This account is showing up as an inquiry on my credit report. I have already tried to dispute this account and it still shows.
Consumer complaint received 2022-12-06
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. (NJ)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-06
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: World Acceptance Corporation (AL)

I have tried to get the company to stop reporting incorrect information. They arent responding to my correspondence. There is inaccurate information reporting on my credit report by this company every month. There has not been any activity with this account since XXXX yet they are still reporting inaccurate information. They are also having debt collectors harass me.
Consumer complaint received 2023-04-04
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: EQUIFAX, INC. (PA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NY XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance Owed : {$2800.00}.
Consumer complaint received 2022-12-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (VA)

On XX/XX/2022, at or about XXXX XXXX. I started an administrative process on XXXX XXXX XXXX XXXX M & T Bank XXXX sent and delivered to him by certified mail. In these documents they are including and explained the unlawful actions that I found in the mortgage processes, for the property at XXXX XXXX XXXX, XXXX, VA XXXX. 
M & T Bank Violated : Conspiracy Against Rights, Depreviation of Right Under XXXX of Law, Attempt and conspiracy, Aggravated Identity Theft, Bank XXXX, Frauds and Swindles, Mail fraud and other offenses, Interference with commerce by threats or violence, Fraud by wire, radio, or television. 
The response I received from XXXX XXXX and M & T Bank, was and have always been a Presentment for payment of the upcoming month or/and a copy of the Deed paperwork. As of the day XX/XX/2022. XXXX XXXX or M & T Bank has not responded to any of my processes. On XX/XX/2022, at or about XXXX XXXX I repeated the administrative process again, to XXXX XXXX XXXX XXXX. In which my documents were received and accepted, by XXXX XXXX or his office. Once again, XXXX XXXX has not responded to any of the affidavits, his corporations interns send me back a presentment and the deed information. This second set of documents included the original documents only difference was that the Notice read. 2nd notice Opportunity to cure. 
On XX/XX/2022, I completed the administrative process through the mail, with a 3rd and final packaged, stating and letting XXXX XXXX know. That his acquiesced to my XXXX process has now put him in Default. XXXX XXXX and M & T Bank still have not responded to my Affidavits or demands, placing M & T Bank in Dishonor through the administrative processes along with the demands that were expressed to be discharged. 
As a direct and proximate result of the carelessness, recklessness, and negligence of the defendant as aforesaid, XXXX XXXX XXXX XXXX XXXX, XXXX caused to suffered mental anguish, XXXX, lack of sleep and anxiety. And will continue to feel this abuse from, XXXX XXXX every month. From the disregard to my personal wellbeing by his actions, they continue to send me a presentments to be paid every XXXX of every month.
Consumer complaint received 2022-12-06
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. (NY)

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-07
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. (IN)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2022-12-06
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. (AZ)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2022-12-06
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: Spring Oaks Capital, LLC (VA)

In accordance with the fair credit reporting act, SPRINGOAKCAP XXXX # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-12-06
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: Sa-Vit Enterprises, Inc. (NJ)

In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : also states consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.