davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-03
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. (OH)

When shopping for a car you have XXXX and only get hit with XXXX hard inquiries if you have multiple hard inquiries within a XXXX period it should count as just XXXX hard inquiry. i got hit twice in XXXX month XX/XX/XXXX and XXXX XXXX thats XXXX  days apart that should not have hit me with hard inquiries multiple times. the companies are XXXX XXXX XXXX XXXX XXXX also XXXX XXXX and XXXX XXXX same companies : XXXX XXXX XXXX XXXX XXXX. Then XX/XX/XXXX and XX/XX/XXXX more multiple hits XXXX XXXX XXXX XXXXXXXX hit twice XXXX XXXX and should not have.
Consumer complaint received 2024-10-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX Early Warning Services , LLC Consumer Services Department XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX Subject : Dispute of Inaccurate Information Due to Identity Theft in Early Warning Services Report Dear Early Warning Services, I am writing to formally dispute inaccurate information in my Early Warning Services report , which is the result of identity theft. I did not authorize the transactions or accounts reported under my name, and I am requesting that these fraudulent items be removed from my report immediately. 

Item ( XXXX ) Disputed Due to Fraudulent Activity Plesse Remove XXXX quick shot Contribution Ref # : XXXX XXXX  Number XXXX XXXX Account Number : XXXX Name : XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : XXXX SSN/Tax ID XXXX ID # : XXXX ID Type : Driver 's License/USA ID State : OH Incident Date : XX/XX/XXXX Principal Loss : Contribution Reason : Checking Account Fraud The following section refers to transactions related to your bank accounts ). 

Reason for Dispute These accounts or transactions were not initiated or authorized by me. They are a result of identity theft, and I was unaware of them until I reviewed my EWS  report. 

Attached, you will find the following documents to support my claim : FTC IDENTITY THEFT REPORT I request that you conduct a reinvestigation of these items and promptly remove the fraudulent information from my report. I also ask for written confirmation that the report has been corrected following the investigation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Social Security XXXX : XXXX Date of Birth : XX/XX/XXXX
Consumer complaint received 2022-05-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Collins Asset Group, LLC (LA)

Accelerated Inventory Management LLC XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Tx XXXX is trying to sue me for a debt I don't owe them. They have no provided any source of debt validation. According to my credit report, I have a perfect payment history with the company they claim to be collecting debt for. They are not allowed in operate in my state and are using a law firm to scare me into paying them. This harassment needs to stop! They need to provide some kind of proof which they have not. They have violated my rights. I plan to counter sue them for their false claims and damages.
Consumer complaint received 2022-05-03
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. (GA)

I've made several attempts to dispute the XXXX XXXX, XXXX and XXXX accounts and the inaccurate information that's being placed on my credit report by Equifax. The accounts with XXXX are still reporting as 120 days late. But like I've stated before, these accounts are closed paid accounts with a zero balance. They are CLOSED, and they are PAID, with a zero balance. So how I can be 120 days late. It doesn't make sense. XXXX and XXXX are collection accounts, and collection accounts can not report late payments. It is a direct violation to do so. 

The credit bureau stated that these accounts were properly investigated, but how can that be if they're still reporting inaccurate information. Surely this is grounds for removal and even more, I feel that my rights have been violated under 15 U.S.C 1681 section 602 A and section 604 A section 2.
Consumer complaint received 2023-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

In XXXX, 2022 I purchased 4 bottles of wine and 2 bottles of port from a company in XXXX XXXX. They were going to ship the wine to me within 6 weeks. I have never received the wine. I have attached supporting documentation with this form. 

Within the attached documentation you will find a copy of my receipt and the shipping information. It shows that the wine came to the United States through XXXX XXXX and then went to XXXX. I do not reside in XXXX. The wine shop, after several communications, will not return my money and the credit card company is also refusing to refund my money. This, in my opinion, is theft.
Consumer complaint received 2022-05-03
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: Experian Information Solutions Inc. (NC)

Account Name : XXXX, NA Account Number : XXXX XXXX accordance with the Fair Credit Reporting act 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-10-03
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LVNV FUNDING XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing this letter to formally dispute the validity of a debt that your agency claims I owe. I received a collection notice from your organization on XX/XX/year>, asserting that I owe a debt of {$1300.00} related to Account No. redacted 1. Verification of the Debt : Please provide a detailed written statement of the debt, including the original creditor 's name and contact information.

2.Proof of Ownership : I request proof that your agency has the legal authority to collect this debt, including a copy of the assignment or purchase agreement from the original creditor.

3.Full Account History : I would like to receive a complete account history, including all statements and transactions related to the debt. 
4. Copy of the Agreement : Kindly provide a copy of the signed contract or agreement, if applicable, that demonstrates my obligation to pay this debt.

5. Documentation on Your Licensing : Please furnish me with your agency 's licensing and registration information, as required by the relevant state and federal laws. 
Please consider this letter as a formal dispute of the debt, and I kindly request that you respond to this dispute in writing within 30 days of receiving this letter. Failure to provide the requested information within this time frame will be considered a violation of the FDCPA. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-12-22
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: Bread Financial Holdings, Inc. (PA)

When I opened this on-line savings account it was not made clear that the limit on transferring funds out was only {$5000.00} per day with an additional limit of 4 transfers per month. This is much lower than other on-line savings accounts that typically allow {$100000.00} or more per transfer. I decided to close the account as this was unacceptable. 
1. On XX/XX/XXXX I requested that the account be closed and the funds transferred back to bank account that I initially funded it with. 
2. I called every few days for the next 2 weeks to find out when the money would be transferred. The only answer i get is that it is " Under Review ''. 
3. As of XX/XX/XXXX it is still 'under review '' I feel that this bank is holding my money XXXX by not allowing larger transfers and returning the money in a reasonable timeframe. 

as I have no confidence the account will be closed anytime soon I have now requested an increase in the transfer limit to {$100000.00} per transfer.
Consumer complaint received 2022-09-21
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA (WA)

On XX/XX/XXXX a payout to XXXXXXXX XXXXe for XXXX $ To settle the lease for a new car purchased at XXXX XXXX XXXX. 

The payoff for the 2019 XXXX was XXXX XXXX As per XXXX XXXX own website, they were to remit the difference within 15 days of the payoff. I have yet to receive the refund. Additionally, XXXX took 6 days to even acknowledge the payment only listing the amount due, not the overpayment. 

XXXX has not honored their own policy in issuing a refund, but also a level of malfeasance in reporting the payment on my account. Ill file a separate report as they have also manipulated this account with the credit bureaus.
Consumer complaint received 2022-05-03
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. (FL)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-05-03
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: Experian Information Solutions Inc. (FL)

In acordance with the fair credit reporting act XXXX  Account # XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OR 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 state a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Ive noticed inquiries on my credit report and Ive contacted them and sent them letters for verification of the inquiries and they never responded because Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), unverified inquiries must be removed. Please investigate and remove any unverifiable inquiries. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-16
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: Experian Information Solutions Inc. (IL)

I wrote formal letters to dispute the accuracy of the information being reported regarding XXXX XXXX XXXX account XXXX partial account number # XXXX. As of XX/XX/XXXX, this account is being inaccurately reported, despite my recent discharge from XXXX XXXX XXXX 

On XX/XX/XXXX, I filed for XXXX XXXX XXXX case number XXXX, in federal court. The bankruptcy trustee notified all creditors, including XXXX XXXX XXXX about the discharge of my debts. This notification was sent via email to all creditors, informing them of the discharge. 

I officially received the discharge on XX/XX/XXXX. Despite this, the information reported by XXXX XXXX continues to reflect inaccurate details. This incorrect reporting has been verified and marked as accurate by all three major credit reporting agenciesExperian, XXXX, and XXXX. The continued reporting of this account as active and outstanding, despite the discharge, constitutes a violation of the Fair Credit Reporting Act ( FCRA ). The statutory violations related to this inaccurate reporting over the past 12 months could amount to {$36000.00} in statutory damages. Furthermore, this disregard is causing significant emotional stress and severely hindering my ability to obtain credit and support my family. 

Credit Reporting Agencies that I sent disputes letters to Experian Experian Information Solutions , Inc. 
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 XXXXXXXX I have already disputed this inaccurate information with each of the credit reporting agencies, but XXXX XXXX XXXX reporting has continued to be verified as accurate, which is incorrect. The account should reflect that it has been discharged as part of the bankruptcy proceeding, and the erroneous reporting must be corrected immediately. 

I have kindly request that XXXX XXXX review remove this account and pay the statutory damages of {$36000.00} FOR ALL 3 CREDIT REPORTING AGENCY. The account information to accurately reflect the discharge status. Please provide written confirmation of the correction to both myself and the credit reporting agencies as soon as possible.

Thank you for your prompt attention to this matter. I look forward to your cooperation in resolving this issue.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to inform you that I am a victim of a data breach that resulted in fraudulent accounts and unauthorized inquiries appearing on my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and deleted immediately : Fraudulent Accounts : XXXX XXXX - XXXX - XX/XX/XXXX - {$190.00} XXXXXXXX XXXX XXXX - XX/XX/XXXX - {$0.00} Unauthorized Inquiries : 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 XXXXXX/XX/XXXX
Consumer complaint received 2022-06-27
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: EQUIFAX, INC. (NV)

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 XXXX XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 
As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2022-02-23
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

XX/XX/XXXX 12 times with in XXXX min. 
XX/XX/XXXX 11 times between XXXX XXXX to XXXX XX/XX/XXXX 9 times between XXXX to XXXX XX/XX/XXXX 7 times between XXXX to XXXX XX/XX/XXXX 11 times between XXXX to XXXX This has been a continuous thing for the last several months to where it is disruptive to daily phone calls and daily life while trying to make and receive phone calls. Sometimes this is up to XXXX times a day. 
The name of the company is Portfolio Recovery and XXXX XXXX. IF needed I do have screens shots of this happened as well as having to pay for XXXX XXXX XXXX  call protect.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed well before the due date.

Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-11-19
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. (GA)

XX/XX/year> To : TransUnion, I recently received an electronic notification of an unauthorized inquiry on my TransUnion consumer report The FCRA states that the only permissible purpose for pulling someones credit report is a ) a firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following credit inquiry violates 15 U.S.C. 1681 ( b ). I did not give any permissible purpose for this unauthorized inquiry, 1. XXXX XXXX XXXX  XX/XX/year> Please remove this inquiry from my credit report immediately. I have enclosed a copy of my drivers license as proof of identity and an FTC ID Theft report with this dispute. 


Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I am writing to dispute the debt you are reporting on my credit file related to an alleged obligation to XXXX XXXX. I have never incurred a debt with XXXX XXXX. My personal information was compromised in a data breach ( documentation attached ), and now Portfolio Recovery is attempting to collect on this alleged debt. XXXX XXXX has been notified of this issue and informed that legal action would be pursued if this fraudulent account is not removed. Additionally, XXXX XXXX previously stated the debt was {$630.00}, while Portfolio Recovery is reporting $ XXXX clear inconsistency. There are numerous FCRA and FDCPA violations involved, which I reserve the right to pursue in court. At this time, I request the immediate removal of this account and the cessation of any collection activities.
Consumer complaint received 2022-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2022 I sent a letter regarding an accurate and unknown thing 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 advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect