davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-04
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. (AL)

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.
Consumer complaint received 2023-06-28
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)

XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear [ Equifax / XXXX XXXX XXXX XXXX XXXX I am writing to request an investigation of the following information on my [ Equifax / XXXX XXXX XXXX XXXX credit report : Dispute XXXX : The charge-off of an obligation with [ XXXX ] is incorrect. The following is the identifying information of the error : Account # [ XXXX ] Date of incorrect reporting : [ XX/XX/XXXX ] [ XX/XX/XXXX ] Explanation of my dispute : [ I am the victim of identity theft, and I did not open this account ] Dispute XXXX : The charge-off of an obligation with [ XXXX  XXXX XXXX  ] is incorrect. 
The following is the identifying information of the error : Account # [ XXXX ] Date of incorrect reporting : [ XX/XX/XXXX ] [ XX/XX/XXXX ] Explanation of my dispute : [ I am the victim of identity theft, and I did not open this account ] Dispute XXXX : an obligation with [ XXXX XXXX XXXX XXXX ] is incorrect. 
The following is the identifying information of the error : Account # [ XXXX ] Date of incorrect reporting : [ XX/XX/XXXX ] Explanation of my dispute : [ The creditor misreported my account, and all my payments are current ] Dispute XXXX : an obligation with [ XXXX XXXX XXXX ] is incorrect. 
The following is the identifying information of the error : Account # [ XXXX ] Date of incorrect reporting : [ XX/XX/XXXX ] Explanation of my dispute : [ The creditor misreported my account, and all my payments are current ] Dispute XXXX : an obligation with [ XXXX XXXX XXXX  ] is incorrect. 
The following is the identifying information of the error : Account # [ XXXX ] Date of incorrect reporting : [ XX/XX/XXXX ] Explanation of my dispute : [ The creditor misreported my account, and all my payments are current ] To further support my claim, I have attached documentation including : A copy of my credit report. 
identity theft complaint. 
Drivers license & SSN card Please let me know if any additional information is necessary to remove the charge-off and late payments from your records. I appreciate your assistance. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-10-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Around XXXXXXXX XXXX XXXX someone scammed my bank account with Huntington bank and now Im receiving letters and phone calls from them that Im responsible! The scammer got me for almost XXXX! Someone called in to Huntington bank pretending to be me and did 12 chargebacks on transactions that I had done and Huntington bank allowed it! They didnt call me to check or ask me if I authorized the chargebacks! Now their trying to blame me and I had nothing to do with it! I even filed a police report ( which Huntington asked me to do but it didnt help ) and the officer couldnt find anything! XXXX XXXX XXXX XXXX and Huntington bank believes the scammer! They never investigated it and just left me responsible!
Consumer complaint received 2023-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There are inquiries on my consumer report that are not authorized. I asked the credit company to investigate and delete and they have not respond or left information on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-02
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)

in accordance with the Fair Credit Reporting act XXXX Account 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  )
Consumer complaint received 2024-11-01
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. (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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2023-11-04
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)

Trying to buy a house. I found that I realized I had damages on my credit report. This is a defamation to my character. I have disputed this collection several times with the XXXX transunion and XXXXXXXX credit agengies but it has came back as verified on tranunion and XXXX but XXXXXXXX  deleted as they should have. this is not my debt. I've requested that the creditor send me the original contract to prove this debt to be mine. All of my request have gone unanswered. I have not been supplied the doctrine of estopper by silence, egnlehardt v graven ( mo ) 281 sw, 251, 719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. This is holding me back from moving forward in life. In no way can this debt be mine. I have not used this company. I have no addresses, phone numbers, or accounts tied to it. It is also reporting as an open charge off account from 2 years ago with recent activity. as of XX/XX/XXXX on Transunion and the last activity on XXXX is on XX/XX/XXXX. the date opened on both is XX/XX/XXXX no account details or history on either agency with no term source type. this is fraudulent. Again this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Glasser and Glasser, PLC (VA)

On XX/XX/XXXX I filed XXXX  XXXX as you can see in the attachments which XXXX  XXXX XXXX XXXX accounts are listed in Discharge of Debtor. 
XXXX served XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX by first class XX/XX/XXXX. 
XXXX served XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX by first class XX/XX/XXXX. 
XXXX served XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX by first class XX/XX/XXXX. 

The XXXX  XXXX XXXX XXXX ignore the XXXX notices of DISCHARGE OF DEBTOR The of XXXX XXXX XXXX Attorney is GLASSER AND GLASSER XXXX XXXX XXXX, XXXX XXXX ) XXXX ) Phone : XXXX XXXX XXXX ALSO IGNORED this DISCHARGE OF DEBTOR notices. 
I have spoken to a Representative about this matter today XX/XX/XXXX XXXX XXXX  They are giving me a run around on hold on the phone for more than 30 minutes or so then hang it up. I went to the XXXX  XXXX XXXX in two locations the responsible person wasn't found. On XX/XX/XXXX, around XXXX XXXX. My Court Atty Commission appointee and I spoke to the XXXX  XXXX XXXX collection department as suggested by XXXX XXXX they can't find any account that belongs to XXXX XXXX XXXX. 
I want XXXX  XXXX XXXX XXXX to remove this default judgment on my name and honors the Discharge debtor letter to remove the default judgment from XXXX XXXX XXXXXXXX XXXX Name and order the XXXX XXXX XXXX  to release the Escrow of {$34000.00} XXXX I was a co-owner of a home that I bought with a partner in XX/XX/XXXX. That friend wants out of the deal the Court ordered a forced sale and it was sold on XX/XX/XXXX. 
In the title, a search showed up a judgment that they claimed that the same person as me. Please see the Default Judgement attached. I wasnt aware of the case, I never got any notice the address on the form is commercial I never live there. Because of this record, the XXXX XXXX XXXX is escrowed {$34000.00} of my house proceeds. 

Judgment to Escrow XXXX XXXX XXXX This default judgment is wrong. I wasnt given the chance to defend myself, the attorney did not send me a notice because this person is not me.
Consumer complaint received 2023-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Under the Fair credit reporting act section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. On this day of XXXX XXXX XXXXXXXX XXXX has violated the Fair credit reporting act.
Consumer complaint received 2024-11-01
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. (TX)

In accordance with The Fair Credit reporting act. The list of accounts below has violated my XXXX 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 Has violated my rights I look at my XXXX report XX/XX/2024 and noticing things are incomplete and not accurate. And according to the Fair Credit reporting whenever a consumer reporting agency prepares a consumer report itself follow reasonable procedures to assure maximum possible accuracy of information concerning the individual about whom the report relates according to 15 USC 1681 ( E ) ( B ).

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information. ( A ) In general if after any investigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is to be found inaccurate or the incomplete or can not be verified the consumer reporting agency shall- ( I ) Promptly delete that item of information from the file of the consumer or modify that item of information as appropriate based on the results of the reinvestigation : and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if that person knows or has a reasonable cause to believe that information is inaccurate. 

Delete accounts account name account number from my credit report because of these multiple violations of the Fair Credit reporting act.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2023-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.
Consumer complaint received 2023-11-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

EXPERIAN, XXXX, and XXXX. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 168In and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under 15 USC1681 ( a ) ( 7 ). Please be advised that under 15 USC1681 ( 5 ) ( A ) of the FCRA- you are required to ". ..promptly DELETE all information which can not be verified. '' 1. XXXX XXXX 2. XXXX XXXX XXXX, has violated my rights according to FCRA, listed above. Under federal laws, you have thirty ( 30 ) days to complete your re-investigation.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (MS)

I have 2 accounts with XXXX XXXX XXXX XXXX, XXXX XXXX and synchrony bank and I spoke with them about payment extensions when I was in the XXXXXXXX XXXX XXXX. I was able to get the extensions but they have reported missed payments to the credit reporting bureaus.
Consumer complaint received 2023-11-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (AZ)

I received a letter from Phoenix Financial Services on XX/XX/XXXX. I had the option to dispute the debt within 30 days. The letter stated " Date of Service XX/XX/XXXX you owe {$1000.00} '' On the bottom of the letter wrote " This disclosure applies to the account noted with ( * ) : " The law limits how long you can be sued on a debt. Because of the age of your debt, the creditor can not sue you for it. In many circumstances, you can renew the debt & start the time period for the filing of a lawsuit against you if you take specific action such as making a written promise to pay. You should determine the effect of any actions you take with respect to this debt '' I sent in the form disputing all of the debt in the 30 days. Phoenix sent back a letter on XX/XX/XXXX and thanked me for my inquiry and wrote : " This communication is from a debt collector '' " Enclosed billing statement provided by our client XXXX XXXX XXXX that confirms the accuracy of the information listed on the account. Should you have any questions regarding this account, contact the number below, and this closes the inquiry in our office. '' XXXX is the only CRA that shows a collection from Phoenix and now shows an account past due as of XX/XX/XXXX. On Record Until XX/XX/XXXX. 

Prior to this current letter, I had been contacted by Phoenix back on XX/XX/XXXX. My XXXX statement shows three payments, one for {$210.00}, {$240.00}, and {$5.00}, and I never received the validity or accuracy of the purported debt. I hope the CFPB can make sense of this so I can find the solution.
Consumer complaint received 2023-11-02
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. (FL)

A collection company contacted me illegally regarding this account, The original creditor place this on my consumer report without my written consent. 15USC 1681 section 602 a state that I have a right to privacy. 15usc1681 section 604a section 2 states that consumer reporting agencies can not furnish a account without my written consent/ written instructions.
Consumer complaint received 2023-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (TX)

In XX/XX/XXXX, I applied and was approved for an Apple Card with {$500.00} limit. In XX/XX/XXXX, I received an increase to {$900.00}. In XX/XX/XXXX, to {$1300.00}. 

I worked as a XXXX XXXX XXXX since XXXX. My dream was always to have my own center. During the pandemic my husband and I purchased the XXXX XXXX  of our dreams using owner finance. Unbeknownst to us, the previous owner was behind substantially with rent and more. All the financial ledgers and documents we received were forgery. To which she adamantly denied. We were in a legally binding contract. We would have to still pay her and lose XXXX XXXX. The alternative was to keep XXXX XXXX, to pay those bills. We had already put a substantial amount down and in payments. Paying her past due bills and our own business bills put a major strain onto us in the business and personally. We were forced to the heartbreakingly close Friday XX/XX/XXXX. 

During that time, the Apple Card payment was late. With the loss of XXXX XXXX and our life savings also meant a loss of income. I was unemployed and actively seeking employment. At times, like many Americans I used my credit card. XX/XX/XXXX, I had a job. I called my creditors to make payment plans. 

Apple Card was owed {$1300.00} of a {$1300.00}. I called and spoke to XXXX on XX/XX/XXXX. I was offered a payment plan to get my account back on track. The offer was to pay XXXX XXXX monthly starting XX/XX/XXXX for XXXX months with 0 % interest. I could always pay more but never less. After XXXX months Apple Card would report the payments to the credit bureaus. If the balance was paid down to zero within XXXX months. I would retain the card and receive my account privileges. The card term would start over, 0 % APR for XXXX months. I asked if I could pay a lump sum to which they replied yes. I paid {$22.00} in XXXX and XXXX. XXXX was {$100.00}. XXXX was {$170.00}. XXXX was {$100.00}. XX/XX/XXXX {$890.00}. My account balance showed XXXX balance. 

XX/XX/XXXX I texted apple regarding my account restoration. An apple Goldman Sams specialist, XXXX said I had a {$40.00} balance. It didnt reflect on my card statements In app. They couldnt explain why I could not see it. 
It came from payment due on an XXXX XXXX I financed using the Apple Card. I paid apple immediately. XXXX told me my account would be restored after I made The payment. 

The very next day, XX/XX/XXXX, I texted in. XXXX from Apple Goldman Sachs my account was closed and o would need to reapply. I informed him that isnt was not what I was told. I sent them screenshots of previous conversations they told me I could reapply. 

They have received all their money. They report to the credit bureaus every month since my account was positive but have not reinstated account as promised. They never closed the account. 

After searching the web, this scenario is a commonality with the Apple Card and its not right. 
What they did was wrong and deceptive.