davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-22
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)

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 informationisinaccurate.

Please remove these Inquiries from my credit report.
Consumer complaint received 2022-07-27
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. (GA)

I am reaching out to you in regard to someone opening accounts under my name. I haven't given anyone permission to open any accounts in my name, nor have i signed for these accounts to be opened. Some of these accounts I did not open, I'm not sure how they were opened without my consent. Some of these accounts need to be validated ; I believe they are not accurate. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX Us Bk Pt Ct Ga Account Number : XXXX. Also, there are discrepancies on the 3 bureaus meaning All 3 bureaus information does not match up. From my understanding if all bureaus are reporting the same information, then the account should be delated. I also would like to see documents bearing my signature that I opened the accounts. Without my signature anyone could have perpetrated with the opening of these account. 
Also, there are hard inquiries that need to be removed due to this identity theft. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card XXXX XXXX XXXX XXXX  XXXX. 

Upon further research Fair Cret Act states that all credit reporting bureaus must be accurate with reporting on all 3 bureaus. In accordance with Fair Credit Act these companies listed 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 an account without my written consent.
Consumer complaint received 2022-11-15
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: ENOVA INTERNATIONAL, INC. (TN)

Net Credit Financial claims that I had opened an unsecured loan with them on XX/XX/2021 in the amount of {$3100.00}. This I am disputing because I did not open the account and when contacted, they have the wrong information on my address of residency. The account was obviously opened without my consent and knowledge therefore is fraudulent. I have tried numerous times to sort this out with Net Credit but to no success, I have reported this to my local law enforcement agency, XXXX credit bureaus, district congressman, and the FTC.
Consumer complaint received 2022-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Bank : Capital One : Case ID XXXX My name is XXXX XXXX and I am a victim of excessive fraud charges on my account. I feel I am getting no where with Capital One and they are not protecting their customers except sending me in circles. On or around XX/XX/XXXX, I received an alert from Capital One querying if I made charges on my credit card, my response was " NO ''. The card was in my possession, however, the card was destroyed immediately and a new card was issued which I did not activate. The new card sent by Capital One was hacked by XXXX on XX/XX/XXXX and XX/XX/XXXX which Capital One acknowledged and they could not explain to me how was my card activated by someone else. If that was not enough on XX/XX/XXXX my business account with Capital again was hacked for {$25.00} which has been pending on my account, company name XXXX I am at my withs end and with this fradulent act and Capital one is not taking responsiblity for exposing my data. They are holding me responsible for this huge balance which is affecting my credit score. They can not even tell me who activated my new card but yet they are harrsasing me to pay the monthly fees. Please, I need your help, I am fustrated. I have attached the documentation. My cell is XXXX. Thank you for your understanding. I almost want to believe this fraud is internally. Thanks
Consumer complaint received 2022-07-27
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. (AZ)

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
PREVIOUS ADDRESS : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX, TN XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Allegiant Capital Recovery LLC (MI)

I have new and updated information about Allegiant, XX/XX/2022 I received a correspondence from compliance department stating my information would be sent back to there client after my complaint but when I called them on or around XX/XX/2022 to see what client they reported the alleged debt back to I was told the account was still in Allegiant hands under management review and there was still a open balance of XXXX that I can pay or make arrangements on making Allegiant responsible for continuing to try to coerce me into an payment after the dispute supposed to been resolved, closed out and sent back to there client. The manager stated the debt was sent back to XXXX XXXX back in XXXX and XXXX XXXX stated that was not true the debt was just sent to them that day we spoke which means they held the debt with extortionate means infringing upon my rights privacy. I attached a invoice for the violations of my Federally Protected Rights under the FDCPA 15 U.S.C. 1692k. Due to the deceptive and abusive practice this company conducts the complaint was sent through the CFPB.
Consumer complaint received 2022-07-27
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. (OH)

XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$180.00}, XXXX  XXXX XXXX XXXX {$340.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX XXXX XXXX {$130.00}, XXXX XXXX XXXX XXXX XXXX {$500.00}, XXXX XXXX XXXXXXXX XXXX XXXX {$490.00}, In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-27
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: CITIBANK, N.A. (CT)

On XX/XX/XXXX, I notified the three credit reporting agencies ( XXXX, XXXX, and XXXX ) of a number of issues in the reporting of this alleged account with Citibank, that is the only derogatory account on my credit, that run counter to the stated purpose of the FCRA, specifically with regards to the requirement that reported data must be accurate and complete. The alleged account is still appearing on my credit after my inquiry to the three agencies, without most of these issues and discrepancies being resolved and so I write this complaint to the CFPB, hoping for a resolution with this account. 

The Date of Last Payment is not consistent across the credit reporting agencies. XXXX has it listed as XX/XX/XXXX, whereas XXXX has the reporting of that date as being XX/XX/XXXX. XXXX and XXXX have that last payment listed as {$0.00}, which is an odd payment amount for a last payment, and for it being {$0.00}, when XXXX has this account listed as OK for XXXX AND for XXXX in XXXX. XXXX has the account being in a status XXXX XXXX in available credit. Ive never even heard of a negative number for available credit. And if the account is a CLOSED account, as this is supposed to be, then surely this must be {$0.00} in available credit, not XXXX XXXX 
XXXX has the terms listed as N/A, I assume Not Applicable, but on XXXX and XXXX they are listed as Paid Monthly. 
The account numbers have different listings among the three credit reporting agencies. XXXX and XXXX have the number as XXXX, while XXXX has it listed as XXXX XXXX further inconsistencies. Which number is supposed to be correct? 
There is data missing in the reporting of the account as well, whereas the FCRA allows for the completeness of the data, XXXX shows missing data for almost the whole year of XXXX and XX/XX/XXXX. XXXX has almost the same, with the majority of XXXX data missing. 

Also, if this account listed is even legitimate, Citibank violated the law, never sending me notice of the account being in a derogatory status as per XXXX5 USC 1681s-2a7Ai, the furnisher requirement to provide notice of listing the derogatory account within 30 days of placing that information in their credit file. They never did so. I never received any such notice. 
All three credit reporting agencies have the alleged account listed in the comments as Account closed at Customers Request. Since I am the listed customer that comment would indicate that I took action that I didnt. There is no letter, email or any communication from me making such a request to Citibank. This goes against the FCRAs requirement of factual reporting
Consumer complaint received 2022-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (TX)

I made a deposit on XX/XX/2022 in the amount of {$500.00} and I was told after making my deposit that it was being held due to an investigation. I made this deposit to a joint account HIWEVER I was not aware the other person on the account had an issue with PNC bank. I have never received anything in the mail or been contacted by PNC Bank with the results of their investigation. This was a debit to debit transfer from myself to myself so why there is an investigation in the first place makes no sense to me?? This is the only transaction on this account because it was just opened when I made this deposit. Today is XX/XX/2022 and my deposit is still being held. When I call the bank it says your balance does not include deposits waiting to clear in the amount of {$500.00} which is my deposit from XX/XX/XXXX Why is it still being held??????
Consumer complaint received 2022-07-27
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. (NV)

in accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX. XXXX XXXX Account # XXXX. XXXX  XXXX XXXX Account # XXXX. XXXX XXXX XXXX Account # XXXX. XXXX XXXX account # XXXX. XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX account # XXXX. Has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

I sent Debt Validation letters to these debt collectors and they failed to provide me a proof that they authorized to collect these allege debt. attached the USPS tracking and the validation letter i sent to them. PLEASE DELETE THESE COLLECTION ACCOUNTS!
Consumer complaint received 2022-07-27
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act the following companies has violated my rights. 
XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-27
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: AXOS FINANCIAL, INC. (IN)

I had a credit karma account and around XXXX I applied for an auto refinance loan. Then also in XXXX my phone started messing up and I had to get a new one. Then I was locked out of my email account and I haven't been able to get back into that email since. I have been locked out of most of my accounts since I just now got a new phone and new number and even a new bank account. I reported it to the FTC because I just received all these letters this past week. The address they were being sent to isn't my mailing address. My credit went from almost XXXX to XXXX. My wife and I are going through a divorce but she does know my personal information by heart including my social security number which she gave to a police officer in XXXX county when she was in a wreck in XXXX of last year. She told the officer she was me. I reported it to both XXXX county and my insurance company that I was not driving the car when that happened. 

The companys and information.. XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX. XXXX XXXX XXXX services on XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX on XXXX. Axos Bank on XX/XX/XXXX.
Consumer complaint received 2022-07-27
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. (NV)

On XX/XX/2021 I sent a letter to the BK court in XXXX XXXX, NV, and asked how and with who they reported my information about my BK and they stated the BK court does not report information to any credit bureaus. So in return, I wrote a letter to the company that is reporting my BK and asked them what was their process for verifying the BK that they are reporting and after the credit bureaus stated that they got the information from XXXX. On XX/XX/2021, I received a letter from XXXX stating that they received my correspondence and the investigation was completed the findings followed, they deleted the information from their records case number XXXX because they were unable to verify the accuracy of the bankruptcy within the required timeframe outlined by the FCRA and it's removed from the record of my XXXX report. I then sent the letter from XX/XX/2021 from the United States Bankruptcy Court District of Nevada and the XXXX report stating all this information and then sent a letter back stating that it's verified through XXXX. This is IMPOSSIBLE when there is no record of a Bankruptcy on my XXXX report. I want this DELETED IMMEDIATELY from all 3 bureaus because it's not 100 % ACCURATE at all! My personal information is as follows and any other names, addresses, or employment also needs to be removed : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NV XXXXCURRENT ADDRESS, XXXX XXXX of XXXX Nevada-XXXX  XXXX THIS INFORMATION SHOULD ONLY BE REPORTED.
Consumer complaint received 2022-07-27
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. (GA)

I have fraudulent accounts reporting on my credit report. It do not belong on there. I have documents of SSN, DL, Fraud Report and proof of Light Bill. Please remove negative accounts and personal information on the fraud report! 


In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-09-22
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. (VA)

I want all these inquiries removed. These inquiries were unauthorized, and I want them removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-14
Product: Credit reporting 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 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 : # 1234, Account name : # 1234, Account name : # 1234, Account name : # 1234, 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 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. 
Chapter XXXX Bankruptcy 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-15
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX  XXXX ACCOUNT # XXXX {$360.00} XXXX XXXX_ ACCOUNT # XXXX {$360.00} XXXX XXXX_ ACCOUNT # XXXX {$1000.00} XXXX XXXX XXXX _ ACCOUNT # XXXX {$12000.00} XXXX XXXX ACCOUNT # XXXX {$940.00} XXXX  XXXX XXXX XXXX_ ACCOUNT XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX_ ACCOUNT # XXXX {$740.00} XXXX XXXX XXXX _ ACCOUNT # XXXX {$1100.00} XXXX XXXX  XXXX  _ ACCOUNT # XXXX XXXX XXXX XXXX  _ ACCOUNT # XXXX {$1100.00} XXXX  XXXX  XXXX  _ACCOUNT # {$570.00} XXXX XXXX XXXX ACCOUNT # {$2100.00} XXXX  XXXX _ ACCOUNT # XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX {$1900.00} XXXX XXXX ACCOUNT 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 consumer reporting agency can not furnish an account without my written instructions.