davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-14
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. (NY)

I requested before that XXXXdept. of ed. to stop furnishing information about a student loan to my consumer report. I am demanding that they stop reporting to my consumer report/ credit file immediately. XXXX stated in a responds to me that, " we are also REQUIRED to report the loan status and balance to the national consumer reporting agencies ''. Please show me where in the ( fdcpa ), ( fcra ) OR FEDERAL LAW that states that you are mandated to report to the consumer reporting agency. Please send me PROOF. I requested this information before and you claim according to student aid/dept of edu that they require for you to report according to your contract with them. Since when company policy overrides the Law? That mean you and those companies are violating law. According to LAW 3.1.1 CFPB, it states that reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary and historically has been.

Then you stated. " Under the Fair Credit Reporting Act, we have an obligation to ensure data we furnish to consumer reporting agencies is accurate. '' This statement is true but you need to be more specific about this statement. This statement claims in layman 's terms, IF any furnisher reports to the CRA 's it has to report accurate information, but no where does it says that furnisher 's are obligated to report. In addition, according to the FCRA, I have never given written instructions or permission to report to my consumer report/credit file. please send me proof that I gave written instruction. But I am giving written instruction to remove this from my credit file IMMEDIATELY. I am sending out an affidavit of truth to the email, through cfpb and via mail.
Consumer complaint received 2022-09-27
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this 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 im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Bankruptcy is unverified. According to the verified source XXXX XXXX, they dont show a bankruptcy on my credit file. Ive asked multiple times for removal. 

According to the court clerk, they dont report/or release information to credit bureaus, which is another erroneous effort to verify this inaccurate reporting.
Consumer complaint received 2022-09-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In Accordance with the FAIR credit REPORTING act everything has to be XXXX XXXX accurate on my credit report. 

This account " XXXX '' was closed threw mutual consent between the creditor and consumer and is no longer associated with the individual " XXXX XXXX XXXX '' I demand it be removed but my request was ignored. 

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 consent.
Consumer complaint received 2022-10-13
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. (GA)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-19
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. (MS)

The following account : XXXX XXXX Account # XXXX was removed from XXXX and XXXX Due to incorrect information meanwhile TransUnion keep saying everything accurate I sent multiple letter asking them to remove the incorrect account Immediately. 

I also have fraudulent inquiries on my account I will list them as well and I also sent multiple letters to have them removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-10
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America closed my Business Bank account for suspicious activity and they will not give me my money back. The closure was unreasonable because of course I am not doing any type of wire fraud that is ridiculous. They are so called doing a investigation and they need to speed it up they with held over {$180000.00} of my business 's money XXXX XXXX XXXX XXXX. I am disappointed in Bank of America they were unprofessional, rude and disrespectful in how they handled this whole situation. I personally can not stand them and I will be telling as many people as I can not to do business with them. My whole experience with them was a nightmare. I never heard of a bank where you can't wire money, transfer or withdraw funds without going through the third degree like you are a criminal. They make you feel bad for taking money out your own business account. I hope your organization can get my money back as soon as possible because I been waiting on them for over a month thinking they would do the right thing and return my money. Of course, nothing has happened. Nothing right ever happens when it comes to Bank of America. The account ends in XXXX. I look forward to a positive outcome with the return of my money.
Consumer complaint received 2023-04-10
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (PA)

Synchrony Bank closed my account without notification and the reasons that they used to close my account would generally apply to someone opening a new line of credit. They claimed that because my debt was high on my other cards and a lack of first mortgage information was the reasons for closing my account. I had not used the card in several months due to the fact that the closest store where the card could be used is in Delaware and I live 2 hours+ XXXX of that location in XXXX. I asked them to reopen the account and they said that I could reapply for a new account, but they can't reopen my old account, which had a {$3500.00} credit limit. They also claimed that they were not in control of the decision to close the account and that it was due to the XXXX credit report they received and the score they used was 4 months old in XXXX. During that time, I was in the process of purchasing a home, which is why the debts on my other cards are significant. If this is going to negatively affect my credit score, then they have impacted not only a financial future, but also my credit utilization rate and everything else associated with it. I am also still recovering from filing a bankruptcy 4 years ago and having another negative mark like this is not going to help matters. The only notification I received was on XX/XX/23 telling me that the account had been closed on XX/XX/23.
Consumer complaint received 2022-09-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Four Directions Lending LLC (OH)

I was speaking to a loan agent while on my break at work and they had to contact an agency to make sure they could finalize the loan and I told them to call me back so I could give them confirmation that I still wanted the loan. I was unable to answer the phone due to being at work and they went ahead and finalize the loan without my consent.
Consumer complaint received 2022-09-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have sent the attached documents to verify debt. Creditor has not provided. Also sent attached letter to all credit bureaus and TransUnion has been the only one to fail to respond and take action. XXXX never followed Fair Credit guidelines. Still not following.
Consumer complaint received 2022-09-22
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: HCFS Healthcare Financial Services of TeamHealth (FL)

I have not supplied proof under the doctrine of estoppel by silence. XXXX v. XXXX ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists. the sections of the Fair Credit Reporting Act of 1970 which are referenced within this letter are : Section 604, Section 609, Section 611, and Section 623.
Consumer complaint received 2024-12-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (CA)

Overcharged by wells Fargo for payday loans and extra bank account fees also had student loans through government which affected my credit rating due to being unable to payback.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ONLINE Information Services, Inc. (NC)

I have filled a complaint with the XXXX regarding this matter also, This company is reporting incorrect information on all 3 of my credit reports stating I owe them, I currently have XXXX XXXX lights in my name, the only way to have a open account is if the past due is paid in full, I paid this balance over 2 years ago Ive asked the reporting company to provide proof that I owe the balance or immediately permanently remove from all XXXX of my credit report and they have failed to do so, I have provided proof of a updated bill thats currently in my name from XXXX XXXX meaning I dont owe a balance to them, they will not allow you to have service until a balance is paid in full I need someone to please investigate this listed account throughly and have it permanently removed immediately are {$1000.00} fine should be paid for reporting incorrect information to the credit companies
Consumer complaint received 2023-03-28
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: LEXISNEXIS (TX)

LexisNexis recently closed Complaint # XXXX indicating that they removed all unverifiable information from my consumer report, however upon reviewing my uploaded consumer report all the items LexisNexis indicated was unverifiable and removed still existed with different variations of some information.
Consumer complaint received 2023-05-22
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. (CT)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX , CT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX , CT XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any items in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-09-23
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. (TX)

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 2022-09-20
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. (NV)

In accordance with Fair Credit Reporting Act, Original creditor : XXXX XXXX Bank accnt # XXXX, 15 USC 1681 section 602 A States the rights to privacy. 15 USC 1681 section 604 section 2. It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 166B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason. 15 USC 15 USC 6802 B, c, d obligation with respect to disclosure 1681 A and E term investigative needs to be interviewed 1681 D Disclosures portion to request investigative report consumer given explanation to not disclose you have right to opt out. The following Inquiries need to be removed immediately as XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX To Whom It May Concern, I am requesting that you provide information regarding a credit report listing that appears as XXXX XXXXXXXX within my consumer files. Until I fully understand this tradeline, I wont know whether I should dispute either the credit reporting or its underlying debt pursuant to FCRA, FDCPA, or other applicable statues. Please know that I have received authoritative 15 U.S.C. 1679a ( 3 ) assistant in framing and sending this reasonable request and that I stand ready to escalate further should I not receive the information within 15 days because you may have seriously damaged my rights, personal reputation and financial standing. For that reason, I am demanding you very specifically for the following information : Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. 
Moreover, I am formally requesting that you communicate with me only in writing pursuant to FDCPA or related consumer protections. 
Sincerely XXXX XXXX
Consumer complaint received 2022-09-20
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. (AR)

This is bothersome! The Credit reporting agencies have not yet complied with the Fair Credit Reporting Act section 605b and continued reporting the disputed Fraudulent accounts and information on my Credit File. I have read that the Credit Bureaus are required to remove any account and information that resulted due to Identity theft, under the Fair Credit Reporting Act section 605b. However, the Credit Bureaus have been ignoring my disputes and as well as the CFPB Complaints I have been submitting. Once again, I was a victim of identity theft and the disputed accounts and information were the results of such crime. I never authorized anyone to use my personal information to open or inquired about any account on my behalf and that the accounts were opened due to fraudulent transaction. I am submitting this CFPB Complaint to you today to request that the Credit Bureaus completely remove the disputed accounts and information that resulted due to identity theft. I previously sent a disputed letter addressed to the Credit Reporting Agencies with complete attachments of my personal identifying documents and I have been waiting for their response since then. The Credit Bureaus have failed to respond to my letters and have claimed that the disputed items were mine. By the provisions of the FCRA section 605b, I am requesting that the Credit reporting Agencies remove the following accounts and information completely from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX XXX Opened XXXX. XXXX, XXXX Balance {$0.00} XXXXXXXX XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$500.00} XXXX XXXXXXXX XXXX XXX Opened XXXX XXXX, XXXX Balance : {$500.00} XXXX XXXX XXX Opened XXXX. XXXX, XXXX Balance {$8000.00XXXX XXXX XXXX XXX Opened XXXX XXXX, XXXX Balance {$20000.00} XXXX  XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$50.00} XXXX - CARD SERVICE Inquiry Date XXXX. XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX  Inquiry Date XXXX XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX Date XXXX. XXXX, XXXX XXXX XXXX Date XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2022-09-22
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. (MN)

A company called XXXX XXXX made an inquiry on my credit file on XX/XX/2002. I am not familiar with this company. I have not authorized this and my credit file is suppose to in a freeze status.