davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-21
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. (MI)

I looked and reviewed my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX  XXXX ], are not complete and accurate. 

And XXXX more thing according to 15 USC 1681s-2 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 2022-06-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Acceptance Corporation (CA)

Hello- I have this old closed account on my credit from XX/XX/2017 over XXXX + years .... 
M.Leonard and ASSOC. keeps updating the amount by a few dollars and reporting to my credit every month .I have sent a validation letter to them, and they have not provided any information and it has been over 30 days. How is that even allowed? 
Only noticed this was on my credit report and have not rcvd anything from M.Leonard and ASSOC.

This account needs to be removed from my all credit reports as it closed but keeps reporting a balance increase.. Please help me get this collection agent removed Thanks!
Consumer complaint received 2022-06-08
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: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-27
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. (NY)

Hello, I would like to report about unrecognized items in my credit report. I do not know them and I have never had anything with those companies. Its an identity theft for sure. I am sure its a scam or issues in reporting but those mistakes badly influencing my credit reporting. Please investigate and remove them from my credit report. Thank you in advance
Consumer complaint received 2022-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-06-08
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. (IL)

Unknown Inquires on my credit report that I did not make or give permission for. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Upon submitting my application for a home loan on XX/XX/XXXX, I noticed that my identity had been compromised and that several unknown accounts have been established under my name and social. 

So on XX/XX/XXXX I decided to contact the local police station and filed an Identity Report listing each company as follows : XXXX XX/XX/XXXX {$5700.00}, XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$4700.00}, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX {$480.00}, XXXX XXXX XXXX XX/XX/XXXX {$930.00}, XXXX XXXX XXXX XX/XX/XXXX {$710.00} and XXXX XXXX XXXX XX/XX/XXXX. 

On XX/XX/XXXX, XXXX/XXXX and XX/XX/XXXX I've sent dispute letters to XXXX, XXXX and Equifax along with Identity Report as well as reach out to the above creditors and nothing has been resolved. As a result I can't purchase a home or establish new credit.
Consumer complaint received 2022-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The following inquiries were NOT authorized : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Upon submitting my application for a home loan on XX/XX/XXXX, I noticed that my identity had been compromised and that several unknown accounts have been established under my name and social. 

So on XX/XX/XXXX I decided to contact the local police station and filed an Identity Report listing each company as follows : XXXX XX/XX/XXXX {$5700.00}, XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$4700.00}XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX {$480.00}, XXXX XXXX XXXX XX/XX/XXXX {$930.00}, XXXX XXXX XXXX XX/XX/XXXX {$710.00} and XXXX XXXX XXXX XX/XX/XXXX. 

On XX/XX/XXXX, XXXX/XXXX and XX/XX/XXXX I've sent dispute letters to XXXX, Transunion and XXXX along with Identity Report as well as reach out to the above creditors and nothing has been resolved. As a result I can't purchase a home or establish new credit.
Consumer complaint received 2022-06-08
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. (NC)

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 2022-06-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Security Credit Services, LLC (NC)

I never received a letter from security credit services about the debt. I had received phone calls that popped up as scam and they would leave voice messages threatening to sue and that it could affect my credit and social security number. I passed it off as a scam. I did answer once and it was the same thing. They also had a lawyer office do the same. This company is a joke, all they do is threaten and they will not work with you on anything. The account was for smartphone, it shows wrong amount on my credit report and shows the wrong date that it was opened.
Consumer complaint received 2022-06-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

On XX/XX/2022, My significant other ( who is apart of a XXXX XXXX XXXX XXXX XXXX ) received an email from XXXX '. In the email " XXXX XXXX '' mentioned how their late husband passed away and that they needed to find a place for their piano. All we had to do was cover the moving charges. We agreed to pay the charges of {$790.00} through Zelle ( Payment made XX/XX/2022 ). 

My significant other and I are both XXXX XXXX so we thought this was a golden opportunity. 

A few days later they began to ask for more and more money which is when we grew suspicious. Come to find out after XXXX research that this is a common scam done for XXXX XXXX 

Come to today, XX/XX/2022, we drove to XXXX XXXX  asking if their was a way to dispute our transaction. They told us because Zelle was used there was nothing that they could do. We then contacted Zelle who told us they are not able to move money from bank to bank. Finally, we called the XXXX, but no one could aid us. 

After looking on the internet we stumbled across a new report of a woman who had a similar experience to us. In this report they said the CFPB can help people who have been in this situation before. 

We feel ridiculous as to the outcome of the transaction. Losing money for a piano fulfillment that will never come to pass. 

I am attaching the email log with the initial person who reached out and " XXXXXXXX XXXX XXXX ''
Consumer complaint received 2022-06-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (NY)

US bank has an issue with profiling customers. I spoke to a manager at a brach regarding my account and a deposit of a government check for my business. The branch manager XXXX XXXX ( XXXX XXXX ) said he would send in my check to MN as it was above the limit for deposit. The check deposited was a tax return check for my business. The manager on the phone told me there would be no issues with the deposit but a week later I received a letter from the branch manager XXXX XXXX XXXX stating that US bank would be closing my account without any reasoning. I called the branch for further clarification as I knew It had nothing to do with my account. It was in good standing with no bounced checks for late payments. All my checks deposited where travelers checks - and they stated this not something they can discuss and I would need to call corporate. After spending 30 mins waiting to speak to someone at corporate they stated they do not have reasoning and nor do they need to provide one to close an account. The mentioned to me in the deposit agreement that ( page 14 ) that they can close and account for " any or no reason ''. 

This is the clause US bank uses to allow its employees to openly discriminate against customers with immunity. They will close down the accounts of anybody they please and without any warning or reasoning. As a citizen and taxpayer who paid for the bailouts of these banks I feel cheated and I want representation to fight these egregious laws US Banks has made to cause detriment to minority business owners. 

US Bank recently settled on a case where the branch manager declined to deposit a check from a Minority only to find out later that the check was in fact his and eventually settled with the individual.
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2022 I discovered that a delinquent account has appeared on my credit reports with XXXX and Experian, which XXXX acknowledged on XX/XX/2022 at approximately XXXX XXXX  XXXX was incorrectly sent to XXXX XXXX XXXX. XXXX stated that this stemmed from invoice number XXXX, but that the information associated with this invoice had misspelled my name and address, and even had the incorrect insurance information. I never received any notification of this bill from either XXXX, or my insurance because even the insurance submission was done incorrectly. I asked XXXX to provide me written evidence of them beginning the process of notifying XXXX XXXX XXXX that the bill was incorrectly sent to collections, but XXXX would not provide this evidence. I have already sent a dispute to XXXX and Experian, but I am concerned that without written evidence this will take time to rectify. I am closing on a car purchase in XXXX and am extremely concerned that this will impact my ability to still purchase this car in accordance with the original tentative terms of the loan. 

When I asked for permission to record the call with the first agent after she said that she could not provide written evidence, the agent denied permission.
Consumer complaint received 2022-06-08
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. (NJ)

On XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it blatantly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from your credit report, it has been over 45 days so it should be removed immediately. I demand these items be deleted immediately or I will file for litigation for the hardship these inaccuracies costed me. Also, my information was impacted by the XXXX Data Breach and may have got into the hands of the wrong person. 

The inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

Please remove it from my credit report.
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: AMERICAN EXPRESS COMPANY (LA)

Spoke XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Where I set up a payment plan with AMEX I was drafted for a payment XXXX XXXX at XXXX spoke with AMEX they were sending me Non payments telling me that I was late and I was also being reported to credit bureau XX/XX/XXXX XXXX XXXX Called again stayed on hold for 1 hr to have the issue resolved. I continued to get calls saying that I have not paid however but I am paying. Previously when I spoke with AMEX they told me that there was a glitch in their system at Amex and that is why I was getting this problem and that I needed to call back to get reenrolled. When I call back they are unavailable when I am off work. I am trying to get a new job and improve my credit score. I did a dispute through XXXX XXXX ; however American Express responded it was my error. This is clearly not my fault as my brother had a near death car accident and had to live with me and I lost my job that is why I called and asked for help. 
Below is where AMEX has been drafting me for the plan that they said they were putting me in. I am requesting that this be fixed on my credit score. 
Thank you.. 

XX/XX/2022 Paid XXXX XXXX {$190.00} XXXX XXXX, XXXX  Paid XXXX XXXX {$190.00} This payment has been posted to your account. 
XX/XX/2022 Paid XXXX XXXX {$190.00} CONFIRMATION XXXX STATUS This payment has been posted to your account. 
XX/XX/2022 XXXX XXXX XXXX {$270.00}
Consumer complaint received 2022-09-25
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 (WI)

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 : It also states a 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 card account under an open end consumer credit plan as late for anv purpose.
Consumer complaint received 2024-12-07
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC (FL)

I received a bill from XXXX in XX/XX/XXXX, trying to collect {$300.00}. The bill stated that I must pay immediate charges for a XXXX Non-return Fee. I never received that equipment. The cellular account was closed by XX/XX/XXXX. My attorney requested information on that year and XXXX and sent a letter to XXXX. They explained that I have XXXX  balance and no more intention for collection. Unfortunately, I no longer have the letter. Now, I received an email from my XXXX XXXX XXXX ( which monitors fraud or changes on my credit report with XXXX ) saying that my credit score was reduced to XXXX when my score typically ranges between XXXX and XXXX. I feel affected by the company collector named RADIUS GLOBAL SOLUTION ( on behalf of XXXX ), and this is reflected on my credit report.