davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-10
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. (IL)

**If its anything over {$1.00} they are to return the money PERIOD! 
( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall **there are three things that need to happen A. credit the amount of the credit balance to the consumers account ; B. refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( theres no choice here ) C. make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone ; meanAND in law ( a semicolon meansAND in law it has to be done ) 1026.17 is part of 12 CFR Part 1026 ( Regulation Z ). Regulation Z protects people when they use consumer credit. CFR https : XXXX 12 CFR 1026.21 - Treatment of credit balances. 
Pursuant 12 CFR 1026.13 : ( 1 ) Correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable; and ( 2 ) Mail or deliver a correction notice to the consumer. I hereby demand that all future coupons be sent to my place of abode, as listed on the account in question, in the form of a check, from XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, current, and future payments. 
NOTICE OF ACKNOWLEDGMENT- this is important Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f.

Your prompt attention and response are both requested and required. 
XXXX XXXX executor, consumer, debtor, and legal Date representative of [ XXXX XXXX XXXX UCC 1-308 All Right Reserved
Consumer complaint received 2023-02-10
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Waypoint Resource Group, LLC (CO)

XXXX has reported us twice under two different accounts - XXXX {$290.00} XXXX {$290.00} After logging in their website - neither account number entered showed a balance! After spending an hour on the phone they said that the account XXXX is " inactive ''. This has negatively impacted our credit score. They also refused to issue a letter stating that this was a duplicate. We are refinancing and need this to be do in a timely manner. What recourse do we have for the 2 different entries on our credit? 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: USCB, Inc. (CA)

I filed a complaint about USCB America previously and they responded by taking 1 out of 7 collection records out of my credit report. I need all other 6 remaining reports to be taken out of my credit report. They refused to discuss anything over the phone and they keep hanging up on me. The report number was COMPLAINT ID XXXX. The remaining dates and amount are the following : XX/XX/2020 - {$2900.00} XX/XX/2020 - {$230.00}, {$44.00}, {$190.00}, {$70.00} XX/XX/2020 - {$75.00}
Consumer complaint received 2023-02-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Lending Services LLC (GA)

Upon checking my consumer report, I have become aware of the many errors, including false and misleading information, these collection accounts are not meeting the credit reporting standards of reporting 100 % accurately. This has ruined my reputation, has caused embarrassment & humiliation and is damaging my entire life by keeping me from getting new credit for personal, family, and household purposes. I respectfully demand the Consumer Financial Protection Bureau to enforce the deletion of these accounts.
Consumer complaint received 2023-02-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Debt was disputed several times. Each time different amounts owed were sent. XXXX effectively removed the three erroneous collections accounts from my credit file, but XXXX and XXXX have not, after I have contacted them several times to remove the inaccurate accounts.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

After reviewing my credit report, I have found numerous inaccurate names, aliases and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report.
Consumer complaint received 2023-02-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Viva Finance Inc. (SC)

I made my final payment in XXXX. The loan company had never reported me late to the credit bureau. 
Once the payment cleared viva finance reported my account current and closed. On XX/XX/XXXX viva finance reported my account 30 late then it went to 60 days late. On XX/XX/XXXX they reported my account 90 days late. This is effecting my credit score, especially with all this back and forwardness on my report. None of this was reported thru out my time, while paying off the loan.
Consumer complaint received 2023-02-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

There is a account being reported by the Merchant XXXX XXXX XXXX  Being reported on all 3 of my credit reports indicating a debt owed in the amount of {$800.00}. I never had a account with XXXX XXXX XXXX. I am a victim of identity theft this account was open fraudulently. I have filed a dispute with XXXX and XXXX, and I still DISAGREE with their investigation results. I have filed a identity theft report at identity theft.gov and I have filed a police report regarding this matter. The information of me being a victim of identity theft has been reported since 2017 to all 3 credit reporting agencies. As there is a personal statement added to my credit file. I really would appreciate it if you could REMOVE THIS FRAUDULENT ACCOUNT FROM MY REPORT it is being reported as a closed account with debt owed. {$800.00}. Please remove the account in entirety.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I closed my XXXX XXXX account yet representative XXXX says it may take up to 2 months to report my account to credit reporting agencies as Closed at request of consumer. The FCRA and Metro 2 require prompt and immediate automatic reporting to all credit reporting agencies simultaneously upon closure by consumer via a mid-cycle mandatory submission. Creditor is therefore in willful violation of the FCRA and Metro 2 Compliance protocols for which I demand {$1000.00} in statutory damages for each and every day the willful violations remain. I demand permanent deletion of my account from every credit reporting agency to mitigate damages which will certainly escalate.
Consumer complaint received 2023-02-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Asset Recovery Solutions, LLC (CA)

I noticed this debt in the amount of {$890.00} being reported on all 3 credit reports. I disputed the information with XXXX as this agency is used to pull with potential future lenders. In any event I am NOT responsible for this debt owed as it is due to identity theft. XXXX XXXX XXXX XXXX responded to my dispute by USPS mail on XXXX XXXX. XXXX and requested I send over a filed theft report online at XXXX. This has been completed and the reference # is XXXX... this report can be viewed at any time.I also filed a police report regarding this matter. I then noticed that this account has ben transferred to XXXX XXXX XXXX. A debt collection agency. I spoke with a representive today at this aw firm that indicated that my account was sent to them on XXXX from th merchant. XXXX XXXX XXXX  then sent this account over to ASSET RECOVERY SOLUTIONS a sister company to them as a debt collection attempt. AGAIN I DO NOT OWE ANY DEBT FROM THIS CREDIT CARD COMPANY> I ave been a victim of identity theft since XXXX. Someone stold my wallet from my purse and gained access to all my personal information including my CA ID my social security card, banking information etc. This agency DID NOT PROTECT MY IDENTITY. I am asking that you REMOVE THIS DEBT ACCOUNT AS IT IS FRADULENT. I have contacted ASSET RECOVERY SOLUTIONS TODAY the account # XXXX. Please do right and remove this account from reporting debt that i do NOT OWE from XXXX XXXX and XXXX. Thank you. Feel Free to contact me at XXXX or email me back at XXXX XXXX
Consumer complaint received 2023-02-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

The collection is from XXXX XXXX for amount of {$730.00} received on XX/XX/XXXX and I have never used this service in my life. 
It states the is owed on XX/XX/XXXX fromIC reference XXXX and account XXXX Around a year ago I received a call about an amount I owed this company and was asking for my address and other information which I didnt give because XXXXXXXX XXXX was fraud. Told them I never used the service and hung the phone. Had not heard about it until today again. 
The action Im taking is responding today XX/XX/XXXX checking the box disputing this is not my debt.
Consumer complaint received 2023-02-09
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. (GA)

My name is XXXX XXXX and I'm a natural man submitting this complaint on the behalf of myself without any third party involvement. My personal identifying information has been illegally obtained through aggravated identity theft by the listed companies in this FTC report # XXXX and is improperly being used to furnish negative items on my consumer report without my written consent or authorization. XXXX XXXX, XXXX, Equifax and XXXX is reporting inaccurate, erroneous and fraudulent accounts, collection information, fraudulent hard inquiries, incorrect names, addresses, phone numbers, and employment information that doesn't belong to me or was not any transaction made by me without lawful authority, my written consent or authorization. See attached as it includes my statement, copy of my ID, and copy of my bill to help verify my identity and proof of mailing address. Pursuant to : FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. 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. not later than 4 business days after the date of receipt by such agency of- 1 ). appropriate proof of the identity of the consumer : 2 ). a copy of an identity theft report ; ( Report # XXXX XXXX ). the identification of such information by the consumer ; and 4 ). statement by the consumer that the information is not information relating to the consumer.
Consumer complaint received 2023-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BOEING EMPLOYEES CREDIT UNION (WA)

On XX/XX/2023 I went to a BECU atm at XXXX XXXX XXXX XXXX and deposited {$920.00} cash. The atm accepted my money and it was rotating internally for several minutes, the atm errored out and restarted out of order. The atm then after several minutes returned to being active and in working order. I immediately called becu as this was happening. They submitted a form for review, apparently this form had the wrong address originally and several days later when I inquired they resubmitted and gave me a provisional credit. I then noticed they took back the credit and my account was now a negative balance. I called them and they said they did a review and there was no issue with the atm and it balanced. There is no way this could be true. 
They just took my money and there was no resolution for me other than to accept that BECU took my funds and I had no recourse.
Consumer complaint received 2023-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (FL)

Td bank locked my account for fraud but I had no acknowledgment to due to me loosing my wallet and phone and I made a report on it already but everytime I visit the branch they tell me wait to 2days and nothing happens but its going on 3weeks and when I try to get in contact with somebody they never answer or gives me a call back
Consumer complaint received 2023-02-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-09
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)

XXXX XXXX XXXX amount {$570.00} XXXX XXXX  OPEN XXXX XXXX {$850.00} these accounts had to be opened fraudulently in my name. I never had either of these accounts opened.. I'm requesting that they be removed these fraudulent accounts from my credit report. Reporting to equifax and XXXXXXXX
Consumer complaint received 2023-02-09
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. (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. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX Apartment 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 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 2023-02-09
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. (TX)

FCRA Violation : name and address not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA violation : auto loan not mine XXXX XXXX {$200.00} FCRA Violation : credit card not mine XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : other loan not mine XXXX XXXX XXXXXXXX {$1000.00} XXXX XXXX XXXXXXXX {$850.00} XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FCRA Violation : hard enquiries not mine XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FCRA XXXX XXXX XXXX not mine XXXX {$690.00} XXXX {$960.00} XXXX XXXX XXXX {$1400.00} XXXX  XXXX  {$1300.00} XXXX  XXXX XXXX {$430.00} XXXX XXXX XXXX {$3400.00} XXXX XXXX  {$820.00} XXXX  XXXX LA {$64.00} XXXX XXXX XXXX {$590.00}
Consumer complaint received 2016-11-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I had a property in XXXX, Oregon with a mortgage with XXXX XXXX Bank XXXX Indiana. An XXXX Deed was filed on XXXX XXXX, XXXX. Per the recorded XXXX Deed ( deed in lieu of foreclosure ), the bank owned the property as of that day. XXXX XXXX Bank XXXX Indiana sold the mortgage to XXXX Bank. XXXX Bank ignored the recorded XXXX Deed, and proceeded with foreclosure of a property that is already owned by the bank. I attempted to contact XXXX all XXXX credit bureaus multiple times, and was unsuccessful in getting any of them to respond and properly report the mortgage status on my credit reports. It took XXXX FIVE YEARS to finally finished the foreclosure of a property they already owned in XXXX. At that time, the credit bureaus updated my credit report ( 5 years after the recorded XXXX Deed ) that the mortgage was foreclosed. The incorrect handling by XXXX and the XXXX credit bureaus have caused significant impact to my credit standing and ability to obtain loans.
Consumer complaint received 2023-02-09
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. (AL)

I applied for a credit card from XXXX XXXXXXXX with XXXX credit score they discriminate against me by denying me credit with XXXX credit score .That along show improper use.
Consumer complaint received 2023-02-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (VA)

I got a credit from XXXX XXXX company to buy a ring for my wife. I was paying that since we moved an I missed three payments. They called me from Comenity Bank debt collection department and mentioned that I have something like {$9300.00} out standing balance. I was furious about the balance and I asked if we can settle the debt if I pay the balance in 4 equal payments and they accepted. They also sent me a letter that your balance will be settled if you pay the balance in 4 equal payments of something like {$2300.00} which I paid without any delay or problem and the last payment was made on XXXX 2022. In XX/XX/2022, I received calls about an outstanding balance of {$270.00} for interest and late fee. I talked in two or three times with them that the account was settled and I paid the entire balance based on the agreed upon settlement. The supervisor mentioned that, she could see a settlement on the account and assured me that she will reach out to the respective department to resolve the issue. she also mentioned that you will not receive any bill till the dispute is resolved. However, they started sending me bills with late payment and pilled it up to {$760.00}. I called them and explained again, supervisor and costumer service confirmed that there is an open dispute. However when I asked why they are still billing me and ruining my credit, costumer service put me on a hold and then hung up. That is how they make you frustrated to get their unfair fees and balances.
Consumer complaint received 2023-02-09
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. (DE)

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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 section 602A states I have the right to privacy.

15 USC 16816 and 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 C ( 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 7 years.

15 USC 1681 S-2A1 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 2023-02-09
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. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason