davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-12
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. (AL)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account 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
Consumer complaint received 2022-08-12
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. (CA)

This is XXXX XXXX andI am submitting this complaint to dispute the fraudulent information from my Credit Report. Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to XXXX, XXXX, and TransUnion Credit Bureaus was dated XX/XX/2022, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, section 605b, which states that the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft. The following Fraudulent Information listed below are still reporting on my credit report and have caused a large decrease on my credit score. I am hoping that you may be able to help me and have these items deleted as soon as possible. I need the following items removed as soon as possible : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$780.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX  XXXX XXXX Balance : {$1900.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor XXXX XXXX ) XXXX Balance : {$23000.00}
Consumer complaint received 2022-08-12
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. (GA)

TransUnion Fraud Victim Assistance Department, There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked or deleted. MY REQUEST TO BLOCK IS NOT BEING MADE IN ERROR ; NOR IS MY REQUEST TO BLOCK BEING MADE ON THE BASIS OF MATERIAL REPRESENTATION OF FACT BY ME RELEVANT TO THE REQUEST TO BLOCK THE IDENTIFIED TRANSACTIONS, NOR DID I RECEIVE POSSESSION OF GOODS, SERVICES, OR MONEY. I AM NOT A THIRD PARTY OR CREDIT REPAIR SERVICE. THIS STATEMENT IS COMING DIRECTLY FROM ME THE CONSUMER. The identified transactions are not information related to any transaction by me the consumer. 

DELETE OR BLOCK THE FOLLOWING ACCOUNTS ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ( XXXX XXXX ) You are required to do what I am requesting and block these transactions from being reported on my consumer report within 4 days from the date of receipt of this notice.
Consumer complaint received 2022-08-12
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 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 a account without my written instructions
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

Your offices can provide proper documentation as requested in the following declaration, I will require at least 30 days to investigate this information and during such time all collection activity cease and desist. I would like all items to be delted.
Consumer complaint received 2022-08-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

My name is XXXX XXXX, and no third party is involved with submitting my complaint. On XXXX XXXX I entered into a consumer credit transaction with Toyota Financial Services when I filled out an application to use my right to extend credit. Since Toyota Financial Services operates under Truth in Lending, I was surprised to see that they required a " down payment '' from me per 15 US Code 1605 as it is illegal to mix consumer credit transactions and cash down. I have made payments without a late payment the last year. However, I was reviewing my contract and realized I have over paid my contract and that the contract has been paid in full. Per US Code 1605 the finance charge is the sum of ALL charges in any consumer credit transaction and I have paid well above the finance charge listed in my contract. I have talked to Toyota Financial Services customer service line multiple times to try to resolve this issue and they have hung up or failed to help. I have recorded these phone calls and many of their representatives have willfully and knowingly given me false and inaccurate information regarding the existence of their " required '' down payment and finance charge. Toyota Financial Services is now in violation of 15 USC 1611 and can be held criminally liable for willfully and knowingly giving me this false and inaccurate information and for failing to comply with any of the other requirements under TILA. Furthermore, they have caused me emotional turmoil and distress with repetitive phone calls on a balance I do not owe as well as reporting my late payments to all three credit reporting agencies ( XXXX, XXXX, XXXX ).
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (GA)

inaccurate information on credit report, 15 usc 1681, removed all accounts without authorization and want all account back reading paid as agreed never late. A so called creditors on the accounts are really debt collectors under 15 usc 1692a6, and the consumers extend credit via their social security number that has an open ended credit plan under 15 usc 1637. All applications for credit ar consumer credit contracts under 16 CFR 433.2 and are taken or received as payment for services goods or leases. By the credit reporting agency not having a contract with a consumer to unauthorized uses of credit card to debt collectors without consent and providing information that a consumer is a debtor when the banks and companies are liable as trustees to a cestui que vie trust consumer credit transaction after receiving consumer credit contracts and using the credit card social security card without receiving benefit after the use of the card which is a violation of 12 cfr 1002 and the ceo and agents are criminally liable by knowing this t=from lawsuits lost and still have not corrected all consumer credit reports to have the consumer reflected as the original creditors under 15 usc 1692cc2 . this is a bad faith action by the credit reporting agency and i am owed XXXX dollars for every account removed fraudulently without my consent, by the defamation of character by showing paid off accounts and verifications by automated service to computer generate responses without looking into issues of false information under 18 usc 1001.
Consumer complaint received 2019-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Theres an auto financing account that is over 8 years old on my report from XXXX XXXX XXXX. It was first opened in XXXX of XXXX. This account was fully paid off and closed on XX/XX/XXXX. I recently received a notification from TransUnion regarding a change to my credit report. When I looked, it showed that on XX/XX/XXXX, XXXX XXXX XXXX reported old late payments to TransUnion causing my credit score to drastically drop over 80 points. By law, this company should not still be allowed to report anything negative on this closed account. Ive disputed this through TransUnion to no availasking them to verify this information and remove this old account from my credit report. Ive also tried reaching XXXX XXXX XXXX and keep being told the people that handle these cases are out of the office. Ive left messages. Receiving no calls back.
Consumer complaint received 2019-09-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (NY)

Ive been a victim of identity tiff someone got hold of my information and used my cards I did contact the company and they told me they would take care of it, but still they want me to pay and now its on my credit report negative
Consumer complaint received 2022-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE (AZ)

I closed my Barclaycard credit card ending in XXXX due to fraud in XX/XX/2022. After it was closed, an XXXX vendor refunded me for a returned product. This balance ( {$730.00} ) was supposed to transfer to my new credit card, but never did. After getting the " run around '' from Barclaycard, which insisted that they never received the refund from the vendor ( even though the vendor had provided me twice with the details of the refund ), I submitted a " case. '' Someone at Barclaycard then realized that the refund went to my closed account. They then put in a request for the balance to be transferred and closed the case. But the transfer never happened. I called back again and learned that my case had been closed, but there was no additional information provided besides to call the number on the back of my credit card. I verified again with another employee that there was a credit balance on my old account. They opened a case as well ( XXXX ). This case was also closed, and nobody at the company that I can reach by phone can tell me why or how to fix this. This is now the third case that has been closed regarding this issue, and I have made over a dozen phone calls over the last month. I have talked to supervisors and people in all sorts of departments, but most of them are working off of scripts and can not help me. Many times they tell me " the system is not loading '' and tell me to call back. Other customer service reps try very hard to help me but simply can not, or they promise a resolution that never comes. Please help me. I do not know who to turn to.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Consumer complaint received 2023-12-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (WA)

I reached out to Americollect to Dispute a recent collection they had sent in the mail. I asked for the following on XX/XX/2023 : 1. The Original Contract : *Please provide me with a copy of the original contract between XXXX XXXX XXXX and myself. This contract should bear my original signature and should outline the terms and conditions of the debt. 

XXXX. Proof of Debt Assignment : I require written proof that this debt has been assigned or transferred to your agency. This documentation should demonstrate the chain of custody and confirm that you have legal authority to collect this debt. 

XXXX. Payment History : Kindly provide a detailed account of the payment history related to this debt with the original creditor. This should include all transactions, charges, and credits associated with the account. 

On XX/XX/XXXX, I received a letter that included only the payment history. I reached out to the company again requesting the missing information on XX/XX/2023. I received a response back on XX/XX/2023, that indicated that Americollect verified the information and that my claim was frivolous or irrelevant, but I didn't receive any of the information that I had previously requested. Which is why I am filing the claim.
Consumer complaint received 2019-09-08
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 have been in dispute with Equifax about a bankruptcy that they are reporting on my credit file. The information they are reporting is incomplete and inaccurate. I have sent letters asking for them to verify the bankruptcy which they would refuse to do. They have responded with letters stating that the account has been verified through their vendor. The last letter I wrote them, I asked Equifax to provide me with a method of verification and also to advise them that they were still reporting incomplete and inaccurate info.They responded with an update to my bankruptcy by adding a verified date The date of verification was never complete until XX/XX/XXXX. At that time, it was dated XX/XX/XXXX as being the date of verification. I have been going back and forth about this matter for months and was notified in XX/XX/XXXX that it had been verified then. Well I received a notification from XXXX XXXX XX/XX/XXXX that a bankruptcy had been removed and then added again. This will make the second time, XX/XX/XXXX, that they removed and added the same bankruptcy to my account. At this point, my score is being severely affected. Equifax intentionally withholds positve updates and reports the negative more. I just wanted them to do a thorough investigation and based the reports off of it. Instead I am getting a computer generated response
Consumer complaint received 2023-12-29
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (IL)

I have repeatedly attempted to use the AMEX gift card at a variety of stores ( XXXX, XXXX, XXXX, etc ). It is being denied everywhere. 

I have attempted to use the card in many way, s and have called support. They have simply said it is not being accepted at those retailers.
Consumer complaint received 2022-08-11
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (TX)

XX/XX/XXXX - present I called XX/XX/XXXX to inquire about XXXX benefits on this card after realizing my interest rate and becoming aware I was entitled to benefits as an XXXX XXXX spouse. 

I spent over an hour today with Synchrony Bank ( Amazon Store Card ) to follow up on the request that my XXXX Benefits be applied retroactively as prescribed by law. They gave me two incorrect phone numbers- and eventually told me that there is no one to speak with regarding the issue. In the last year of statements alone, interest above the stipulated cap is {$910.00} which needs to be refunded to my account balance. I have requested historical statements so I can calculate the amount of interest that needs to be credited back to my account. This is disappointing that one of the largest retail credit issuers for store based cards has no transparency or process. Other creditors ( XXXX and XXXX ) have handled this request in the matter of minutes.
Consumer complaint received 2022-08-12
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. (NY)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following item listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following account as they are fraudulent & was opened without my consent or knowledge XXXX  XXXX Date Opened : XX/XX/1996 Balance : {$18000.00}. 

If you claim this account is 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Consumer complaint received 2022-08-12
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. (OH)

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : 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 2023-12-29
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: EQUIFAX, INC. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-07
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: Experian Information Solutions Inc. (GA)

I have a public record showing on my XXXX and Experian credit reports. The public record belongs to someone with a very similar name and address, but it's not my address and it is not my public record. 

I have disputed with both agencies on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX It has come back as verified through XXXX. I have opted out of XXXX, but this information is incorrect. I looked up the public record using the information from my credit report and I understand the confusion because the details are very similar to me, but it is not me. 

This has caused me significant stress as I have been declined credit and offered higher interest rates because of the inaccurate information.
Consumer complaint received 2022-08-12
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: Experian Information Solutions Inc. (PA)

I am XXXX XXXX, who is submitting this CFPB complaint upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-11
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Enterprise Systems, Inc. (IL)

I received a notice from NES OHIO on XXXX XX/XX/2022. This notice states NES of OHIO is a debt collector. The notice states it's a " debt I owe to XXXX XXXX XXXX XXXX  '' in the amount of {$14000.00}. 

I have never taken any loan in this amount with neither of the above agencies. This is more than likely a fraudulent account or someone sending a letter from a fake entity trying to get personal information from me. I contacted them twice in the week of 9 XX/XX/2022 trying to gain information regarding this. Once I spoke to an operator, they demanded that I provide my full social security number. I refused and that operator stated she will not help me further and abruptly disconnected the phone call while I was speaking. 
This very frustrating and taxing to deal with please assist immediately