davidheineman/consumer-finance-complaints-large huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 2024-11-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2023-03-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Federal Credit Control, Inc. (PA)

Received notice from First Federal Credit Control XXXX, a Debt Collection agency and responded with a Notice of Dispute. 
Requesting the following information. 
1. A detailed accounting of what the money you say I owe is for ; 2. A detailed explanation of how you calculated the amount you say I owe ; 3. Copies of any documents that show I agreed to pay what you say I owe ; 4. Identify the original creditor and provide their current contact information ; 5. Proof that the Statute of Limitations has not expired on this account ; 6. Documentation showing that you have the legal right to collect this debt ; 7. Documentation showing that you are licensed to collect in my state ; and 8. Provide me with the contact information for your Registered Agent for Service of Process. 

Received a call from collection agency who said they received my notice and are not required to provide any of the requested information and would not be sending anything. They put a late notice on my credit report despite this not being a valid debt and receiving Notice of Dispute.
Consumer complaint received 2022-09-17
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: Early Warning Services, LLC (FL)

In the pictures below, you will see a legitimate police report on identity theft, an FTC ID Theft report, and a denial from XXXX XXXX XXXX XXXX  stating that the incorrect information from my identity theft will still be published. My identity was stolen a couple years back and actually the deeper Im looking, it looks like it is much prior than I originally thought. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is blatantly punishing a victim of identity theft. XXXX XXXX XXXX XXXX has failed to provide reason, or provide legitimate proof with any reason as to why they made a denial on my identity theft. This is done in bad faith and is a violation of the FCRA. XXXX XXXX XXXX XXXX  are mandated by law to keep accurate and up to date records all of which they have failed to do. XXXX XXXX XXXX XXXX has failed to provide legitimate actual documentation as to why they denied my claim. They also provide no steps to determine that the account information is accurate and up to date, two years later still being punished for identity theft. If they want a lawsuit, theyll get it. XXXX XXXX XXXX XXXX have violated have violated FCRA section 607 compliance procedures and failed to furnish and keep an accurate report. XXXX XXXX XXXX XXXX  cant tell me my identity wasnt stolen, because it was. They also violated section 611 procedure in case of disputed accuracy, by mis treating inaccurate and unverifiable information, as they failed to send me proof, as the burden now rests upon them. They are also in violation of section 617 negligent noncompliance and are purposely keeping inaccurate records on my file that should not be there. They also violate section 623 by reporting information with known errors and submitting it as accurateXXXX XXXX XXXX XXXX XXXX now have the burden of proof to show why my claims got denied other than a boiler plate answer, that it was found verifiable without showing any known proven methods. There are more additional laws and causes of action that I will add if XXXX XXXX XXXX XXXXXXXX continues to violate my rights. I am in good standing with all banks. Any decision that doesnt result in this will be fully disputed. As it is not my fault for what happened. Immediately remove the information. Willful FCRA violations are intentional or reckless breaches of the Fair Credit Reporting Act.
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USA 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 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 follow 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 2021-12-29
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. (CA)

I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Consumer complaint received 2021-12-29
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. (CA)

I have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation.

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any ev
idence. 15 USC 1681.
Consumer complaint received 2022-05-18
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: EQUIFAX, INC. (FL)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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
Consumer complaint received 2020-05-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A. (NY)

I have a citi credit card with a flex loan balance ( maturing XX/XX/XXXX ) and a zero percent interest balance on it ( zero percent expiring XX/XX/XXXX ). On XX/XX/XXXX I had enough cash on hand to pay off the XXXX balance portion and submitted the payment through their online portal. The online portal has payment options that are : 1 ) Minimum due This is the amount that is scheduled to be paid by Autopay on XX/XX/XXXX, and includes your monthly Flex Plan payment. 
2 ) Adjusted New Balance + Flex Plan Monthly Payment This includes your monthly Flex Plan Payment Amount and the non-Flex Plan portion of your last statement balance. It does not include Flex Plan payments due in future months. 
3 ) Last statement balance This is the amount you owe from your most recent statement dated XX/XX/XXXX, and includes your Flex balance. 
4 ) Current balance This is the total amount you currently owe. 
5 ) Custom Amount I select option number 2, which according to the description should have paid off the zero percent interest balance on my card so I would then only have the remaining flex loan payments left. My payment was processed for option number 2, however Citi did not pay down the balance on credit card but instead paid down the flex portion of my loan. I contacted customer service on XX/XX/XXXX to have this corrected however i was told that they are unable to do that, the only option was for Citi to reverse the payment and charge me a purchase APR on it. I pointed out to them that their payment section of their website was misleading and their response was the terms of the flex loan state how payments are processed. While this may be  true, the payment section of the website is directly contradicting this. I am now in a situation when my zero percent interest expires in XXXX I will be paying a 19 % interest rate even though I attempted to pay off the balance in XXXX following the instructions on their website.
Consumer complaint received 2020-03-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: AMERICAN EXPRESS COMPANY (CT)

Several transactions are still pending on my account, an attached screen shot shows items still pending from XX/XX/XXXX, six days ago. Two items in the amounts of {$1.00} and {$8.00}, funds transfers to an external account, show pending from XX/XX/XXXX. An item in the amount of {$59.00} dated XX/XX/XXXX shows as " in review '', this is a merchant refund from XXXX. It appears these items are taking an usually long time to process, the normal time frame to process a funds transfer is five days, it is now six and still showing in process as well as the refund, which is still not reflected in balance. It appears there is a technical issue going on and if so, an additional funds transfer in the amount of {$23.00} from XX/XX/XXXX might also need to be looked at
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

I was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Consumer complaint received 2024-09-10
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete hard inquiries for me bc I didnt request anything from them
Consumer complaint received 2022-07-18
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. (PA)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts 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 # XXXX and I'm including it again. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-07-17
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: I.C. System, Inc. (TN)

I have accounts in collections with inaccurate information reporting, Please send verification or agreement stating the transaction or buisness weve done together. If can not provide accurate legal statements please remove within the legal time frame.
Consumer complaint received 2023-05-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (CO)

I was waiting on money to be deposited from a bank account the bank confirmed that Cash App had taken the money out of the bank account but Cash App kept the money and never deposited into my Cash App account. I have tried on several occassions to work this out with Cash App customer service and they have made it very difficult. They have made me wait for calls from their supervisors on several occassions which either never occurred or in the cases that I received a return phone call, I was told that the money was deposited to my account but they can't show when it was deposited and refuse to give me an explaination as to why that is. I have had them closed the issue without it being resolved claiming that they hadn't heard from me, despite the fact that I was told by customer service to wait for a call/response from a supervisor. I have been given excuse after excuse as to why Cash App won't assist me with this issue, I have even provided Cash App with confirmation from the bank that they took the money and to date I have never received the money and Cash App customer service will hang up on me every time I have tried to call in reference to this issue, this issue has gone unresolved since XXXX.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NH)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-07-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NJ)

On or about XX/XX/2019 a Utility Company Based in XXXX New Jersey called XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ). alleged that I owed them {$560.00} from a Utility account that was later sold to IC System Inc. I became knowledge of the account because it was being reported on my XXXX XXXX Consumer Report I made ample attempts to get this matter fixed with IC System and I was not successful in doing so. 

IC System Inc continued to pursue collection efforts dispute all the correspondence I mailed to them about the Fraudulent Alleged debt.
Consumer complaint received 2022-12-19
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. (CA)

I have been having problems with Equifax for some reason. They will not update my report. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stunning payment record with this company. I think it is ridiculous that I have to file multiple complaint to get them to update my report. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please have my account updated ASAP : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (GA)

I want to reopen XXXX, COVID-19 virus, unexpected pandemic. I had to take care of my XXXX year old father. 
Chase Mortgage response included a document on " XXXX XXXX '', I dont have a clue who she is. Also, their response proces that they are committing Reverse Redlining, Chase is refused to send me my home deed. Just to get more money from me. 

They refussed to return my calls.. Knowing that I was divorced and they were in possession of my divorce XXXX and his quick claim deed to me, since XXXX. According to Chase, my ex-husband gave them appeal to extend my payments to XXXX, instead if putting the payments on the principal as my check clearly stated and so did my voice mail messages. My ex-husband says he told them her and I were divorced and he had nothing to do with my house. He offered to send them a copy of our divorced decree and the Quick claim deed, which they acknowledge they already had. 

XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-09-10
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: EQUIFAX, INC. (CA)

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

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.