davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-28
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. (GA)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am reporting XXXX XXXX and XXXX XXXX XXXX as being listed on my Equifax credit file/report. These accounts and balances do not belong to me and are a result of identity theft. XXXX XXXX and XXXX XXXX XXXX have confirmed this multiple times, as have I with Equifax, which continues to violate several rules of the dispute process.
Consumer complaint received 2022-08-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (TX)

I have a PNC business checking account. After transferring the funds from that, I sent one email to local branch manager, XXXX to close the account on XXXX XX/XX/2022. I tried calling PNC business account customer service but it was a seriously long hold time ( around 35+ minutes ) and thus i sent an email to XXXX regarding closing the account. But it seems that XXXX couldn't action the closure and PNC charged my account {$10.00} fees on XXXX XX/XX/2022.
Consumer complaint received 2022-07-26
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. (FL)

I forwarded a letter to the Equifax and XXXX Credit Bureaus dated XX/XX/2022 to update these inaccurate accounts. I think you have not confirmed these pieces of information in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX, and I'm including it again : XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-10-28
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, the list of the accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15, USC 1681.

The accounts below have violated my rights 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  15 usc 1681 SECTION 602 A states I have a right to privacy 15 USC 1681 SECTION 604 A SECTION 4 states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681s-2A ( 1 ) A person can not furnish any information relating to a consumer to any other consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 usc 168c ( a ) ( 5 ) section states : No consumer agency may make any consumer report containing any of the following items of information, any other adverse information other than criminal records and convictions of crimes which antedates the report for more than 7 years.
Consumer complaint received 2022-07-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB Corporation (FL)

USCB has mailed me several unwanted notices and violated my privacy several times. The last notice I received contained many violations pertaining to the FDCPA. The notice contained this is an attempt to collect a debt and stated if I did not respond the company would assume the debt was accurate. Both of these violations fall under the stipulations 15 Us C 1692 states not to do. The company has also attempted to contact me at the the most inconvenient times of the day. I called XXXX to ask them to cease communication. The representative assured me the system contain notations of me asking how I can get the account back in good standing. I never spoke to anyone at USCB nor gave them permission to XXXX  me about a debt they cant validate.
Consumer complaint received 2022-07-26
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: DISCOVER BANK (NY)

I sent complaint several times to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX, XXXX XXXX
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I believe that this account is inaccurate because this account was paid in full all rent was paid when I left I do not owe anything, I was not properly notified, the debt was not validated, and a least was not acceptable verification, because I did stay there but never received any itemize statement of WHAT THEY ARE CLAIMING nor did I receive any court documents or even went to court for this matter. Under the FCRA, inaccurate or unverifiable information must be corrected or deleted from my credit file.
Consumer complaint received 2022-07-26
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: ARVEST BANK GROUP, INC. (AR)

Arvest Bank ran my credit report without my knowledge or approval. I applied for a auto loan on XXXX XXXX, was approved at 3.7 % for 60 days. On XX/XX/2022 XXXX XXXX contacted me to see if I was still interested in taking out the loan, I informed her I wasnt sure but would get back to her the next day. On XX/XX/2022 someone from Arvest Bank reran my credit without contacting me. I immediately contacted XXXX and she was to find out who & why this happened. Today, XX/XX/2022 I received a letter saying I was denied for the loan. 
I NEVER consented to having my credit report ran on XX/XX/2022. This was done AFTER I told them I did not know if I would be taking out the loan. One can not be approved for a loan then denied after letting them know you may not want/need it. You can not run my credit report without my permission.
Consumer complaint received 2021-01-25
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc (TX)

To whom it may concern, I was asked to leave an apartment shortly after signing a lease. It was agreed that no penalties or fees would be owed if I moved out by the end of XXXX. I complied and on XX/XX/XXXX a letter from apartment manager XXXX XXXX ( who I have an open case with for harassment ) sent me a letter showing I owe a debt and I had 30 days to send payment. 

On XX/XX/XXXX an email from Hunter Warfield Inc was sent to me advising I owed a debt in the amount of {$2800.00} by XXXX XXXX on account # XXXX. It was impossible for the debt to be valid since the XXXX day had not passed. 

I sent a response the same day advising I would be disputing this information and that I had proof from management that a debt was not owed. A response was sent to me by Ms. XXXX XXXX Consumer Collections Manager with Hunter Warfield who advised a debt validation letter would be sent. 

34 days after my initial request to validate the debt, another communication email was sent with an encrypted message. I was not able to see the message and saw this as an attempt to not provide the information I was seeking. 

The property manager has been known to use harassment tactics to violate peoples daily lives. She is now using Hunter Warfield since she is now under litigation for her actions. 

Hunter Warfield should have noticed the debt was not even due and should have not started debt collections. Hunter Warfield is fully aware of their actions. They refuse to provide the information necessary to collect a valid debt and still continuing to harass me for debt that has not been validated. 

The apartment is charging for items such as water and sewer use that was never required to be paid. Also the apartment is charging for XXXX rent when a letter is attached showing rent would not be charged for XXXX as well of any other penalties if moved out by XX/XX/XXXX.
Consumer complaint received 2022-07-25
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. (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 XXXX 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 XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-07-08
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (SC)

I was interested in making a large purchase and was told through the companies chat feature on their website that the store could offer better promotional rates than the website or app on large purchases. On XX/XX/2022 I went to the Lowes store near me and made a purchase for {$2100.00}. The employee got on the phone with someone he said worked in the Lowes Credit area and that I would get XXXX  months 0 % interest offer. I was told I would receive a letter indicating this. I have never received a letter. When my bill came it only said 6 months 0 % interest. I called and their phone line tells me to go online and chat, so I did. In the chat the employee said she could not fix, I would have to go to the store and ask them to fix or call XXXX. This seems very deceptive to me to make a customer call and chat with some many places. I feel they are trying to make it hard to deal with in hopes of XXXX you out of money.
Consumer complaint received 2024-10-28
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. (FL)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This account # XXXX was purchased by a Third Party Debt Collector ( XXXX XXXX XXXX ). This account must be deleted as the status is not correct, the amount is not correct and the account was paid for less than owed by the Third Party Debt Collector ( XXXX XXXX XXXX ). How much did the collection company pay for this item? I don't know and my credit report does not reflect such amounts. This is a clear violation of the 15 USC 1681 ( a ) ( 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. 

After multiple attempts to settle these issues with XXXX XXXX XXXX they have ignored all requests to delete this inaccurate information. 

In addition to inaccurate information being reported, this report is a violation of my privacy per the Privacy Act of 1974 and 15 USC 6802 ( b ) ( 1 ) ( a - c ) : A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option AND a violation of USC 1681 ( a ) ( 4 ) : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

In this case my personal information was NOT RESPECTED and disclosed to third-party non-affiliates ( TRANSUNION, XXXX, XXXX ) without written or electronic notice of how to opt out of disclosure. 

THIS INFORMATION IS NOT ACCURATE NOR IS IT FAIR. AND A COMPLETE VIOLATION OF MY PRIVACY. Per 16CFR433.2 I have a right to uphold my rights as a consumer : ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. 

Therefore this information must be DELETED IMMEDIATELY.
Consumer complaint received 2024-10-28
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. (TX)

Hi. I am having issues with the credit bureaus lack of investigation into my dispute. I contacted them because there are numerous incorrect accounts on my credit report and I need them corrected or removed from my reports. They have not investigated and I have not received any results from them. I initially reached out to them in XXXX and it is almost XXXX and I have not received anything from them and my credit reports remain unchanged. I was told by my lawyer friend that I should submit this complaint because their action, or lack there of is violation of credit reporting laws and if they continue I can sue them and receive compensation for their violations. I don't want to have to do that, but I feel it is necessary that I file this complaint for starters to attempt to hold them accountable. I have to move soon and their unfair reporting is keeping me from being able to move.
Consumer complaint received 2024-11-02
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: EQUIFAX, INC. (MO)

I've reached out to the Company to remove all of the unknown soft inquiries on my reports. and to see how they are getting my information to make those inquiries. The company said they don't know and that soft inquiries can't be removed.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2022-07-26
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)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A.

States I have the right to privacy. 15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX OF XXXX XXXX XXXX {$0.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX