davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-01
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. (NY)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX. Account # : XXXX XXXX XXXX Account # : XXXX XXXXAccount # : XXXX XXXX. Account # : XXXX XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person kn
ows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a psychiatrist for that because my cards will just get declined due to my credit score being low with all these wrong information.
Consumer complaint received 2022-08-07
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. (CO)

On XX/XX/XXXX, I received a phone call from Corporal XXXX XXXX from the XXXX XXXX Police, reference case XXXX. An individual was using my identity to purchase cars and start loans etc. 

Prior to XX/XX/XXXX, my credit score had gone down XXXX points, and just yesterday it went down another XXXX points. I tried to dispute with the credit card companies but nothing has happened. 

From XX/XX/XXXX to today, I have submitted several disputes with XXXX. No action has been taken by them. 

These are the following on my credit report that are not me : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please help! Thank you.
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I recently reviewed a copy of my credit report and was shocked to discover that I am a victim of identity theft. There are numerous accounts on my report that I did not open. This has negatively impacted me as I am in the process of making significant purchases. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2024-11-01
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. (AZ)

I am writing to request the removal of specific unauthorized accounts and inquiries from my credit report. I am a victim of identity theft linked to a recent data breach, and these items were fraudulently added to my report. According to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these accounts and inquiries blocked and deleted from my credit report. 
Fraudulent Accounts : XXXX. XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$1700.00} XXXX. XXXX  Account # XXXX Opened XX/XX/XXXX Balance : {$1700.00} XXXX. XXXX  XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX  XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$420.00} Fraudulent Inquiries : XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
Consumer complaint received 2022-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 ( a ) ( 3 ), the credit reporting agencies have illegally assumed this role without MY permission not only that I NEVER GAVE them my consent to report this information to anyone. They did not respect my right to privacy which is clearly state in 15 USC 1681 ( a ) ( 4 ). The credit reporting agencies have NOT exercised their grave responsibility, they were unfair, they were partial and because of that they each have violated my consumer rights. The credit reporting agencies have NEVER had a permissible purpose Under 1681 ( b ) ( 2 ). I never instructed your company to furnish this report and I never consented to this report in the first place.
Consumer complaint received 2022-08-07
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. (NC)

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 ( a ) ( 3 ), the credit reporting agencies have illegally assumed this role without MY permission not only that I NEVER GAVE them my consent to report this information to anyone. They did not respect my right to privacy which is clearly state in 15 USC 1681 ( a ) ( 4 ). The credit reporting agencies have NOT exercised their grave responsibility, they were unfair, they were partial and because of that they each have violated my consumer rights. The credit reporting agencies have NEVER had a permissible purpose Under 1681 ( b ) ( 2 ). I never instructed your company to furnish this report and I never consented to this report in the first place.
Consumer complaint received 2024-11-03
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. (FL)

XXXX  XXXX XXXX is illegally reporting payment transactions on my XXXX credit report XXXX XXXX # XXXX Past due : 30 Days Date : XX/XX/year> XXXX Account # XXXX Past due : 60 Days Date : XX/XX/year> XXXX Account # XXXX Past due : 30 Days Date : XX/XX/year> XXXX Account # XXXX Past due : 60 Days Date : XX/XX/year> 2022
Consumer complaint received 2022-08-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Patient Accounting Service Center (OR)

I have paid the debt ( {$70.00} ) in XX/XX/2022. I continue to get notices every week from ARSTRAT  stating that I owe them {$38.00}. I have called the original debtor and they say that it has been payed. I have called ARSTRAT and they say the account has been settled and the account is closed. I ask why I continue to get the notices if it is payed, every time they say it is because I payed just before the notice went out. I say each time that I payed back in XXXX, why do I continue to get the notices. I want it to stop and I want them to stop calling.
Consumer complaint received 2022-08-09
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. (CA)

I XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS IMMEDIATELY!!!
Consumer complaint received 2023-12-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (IN)

Citibank called me XXXX times between XX/XX/2023 to XX/XX/2023 As well as left me XXXX voicemails in that time. 
When I called Citibank to complain about the harassing calls, they informed me they were not required to notify me of FTC regulations and or should they had any knowledge of FTC regulations.
Consumer complaint received 2022-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I had a savings account and a checking account with Bank of America. I went to use my debit card and the transaction would not go through. Now extremely frustrated I spent hours on hold only to be transferred and hung up on finally I spoke with a representative who transferred me to client protection where I was told that my accounts had been closed and that they would get back to me when they completed their investigation. They would not tell me why or give me any other information. So, I went to the Bank of America branch where I had been working with a relationship manager in setting up accounts for clients that I have in conjunction with the Deputy Director of The Department of Economic Security who together we helped clients who could not navigate through the process for many different reasons receive their PUA Benefits. All of which signed releases of information, financial agreement 's, and power of attorneys so they could deposit their first checks into my account and I would disperse the funds to them as needed and then I would take them into the Bank of America branch and the relationship manager would open new accounts for them in their name and I would transfer whatever funds they still had with me into their new account and all future payments would be direct deposit. I always went back to the same individual at Bank of America and had asked prior to doing this if it was okay with Bank of America and was told by this same person " We wont have a problem with it. '' Well apparently she was wrong, and this has gone on for just over a year. I called today and was told that it is still under investigation. I told the Representative to go and look at our company website where we have pictures posted of giving an award to the Deputy Director of the Department of Economic security for his and his assistants help in changing lives for the better which is what I strive to do every day in helping my clients fight XXXX XXXX. This is not right one of the deposits that they are holding was my direct deposit paycheck! How can that be investigated. 
Please help me get this resolved, Best regards
Consumer complaint received 2022-08-09
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. (PA)

Equifax is in violation of 15 U.S.C 1681 ( a ) ( 2 ) I consumer never gave Equifax written consent to report anything on my consumer report. I am one of the millions of consumers that have been affected Equifax inaccurate credit scores.
Consumer complaint received 2022-08-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (FL)

I was a member of XXXX gym which was located 4 miles from my home before the pandemic. Once the gyms were allowed to open after covid. XXXX opened for a few months then closed all of its locations in XXXX without notice. I called the location in XXXX Fl. and was told that my membership would be cancel since there is no gyms in my area. In XXXX of 2021 I started being charge by a gym name XXXX XXXX located in 22 miles from my home. When I called I was told that my information was sold to them and, but I could cancel at anytime. I told them that I wanted to cancel since I never sign up for their services. The membership was never cancelled. They continue to charge me even after I call the gym many times. I finally call my bank and cancel my debt card. Then I started receiving phone calls about late payments which I told them I never sign up for this gym. I have never been to a XXXX XXXX. XXXX nor XXXX XXXX doesn't have a customer service number or email. So beyond calling the gym there is no one to contact about this. I have now receive a letter in the mail from Aldous and Associates stating I own an amount for {$180.00}. I do not own them anything because I never sign up for this gym.
Consumer complaint received 2022-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

( 1 ). Bank of America XXXX XXXX XXXX XXXX XXXX Opened a credit line ; for the sum of {$20000.00} Around XX/XX/XXXX XXXX XXXX. 
I did not request this account nor did I apply for it any way or means. I contacted the Bank and asked for the account to be closed and to be removed from all 3 credit bureaus. They said that they would close the account. On XX/XX/XXXX sent a letter saying my personal info has been compromised. and to contact them by phone. 
On XX/XX/XXXX I received a second letter that they contacted the credit bureau XXXX As to this date it still shows on my credit reports after several attempts to have it removed ( 2 ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX this bank opened a revolving account of {$10000.00}. with out my consent.
Consumer complaint received 2024-11-01
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. (NH)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card opened at XXXX XXXX on XX/XX/XXXX under the XXXX account number, a credit card opened at XXXX XXXX XXXX on XX/XX/XXXX under the XXXX account number. These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX  Account number : XXXX Balance : {$100.00} XXXX Account number : XXXX Balance : {$270.00} XXXX XXXX  XXXX Account number : XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX Balance : {$340.00}
Consumer complaint received 2022-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

In XXXXXXXX XXXX XXXX I sent TransUnion LLC a request to remove inaccurate addresses, phone numbers and workplaces along with 2 Debt validation letters due to them reporting inaccurate items on my credit report and instead of them investigating the disputes they sent me a copy of my credit report and response letter stating they need authorization stating it doesn't appear I sent it. I am not working with a credit repair company or anyone else I am working to resolve the inaccuracies on my own. That's verification that they did receive the disputes I submitted.
Consumer complaint received 2024-11-01
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 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : L 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 2022-08-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Designed Receivable Solutions, Inc. (CA)

Because I have credit monitoring, I received an alert on XX/XX/2022 that a collection had been added to my credit report. When I checked the alert, it was from Designed Receivables Solutions ( " DRS '' ). I called DRS to ask what this debt is from and all they would say is that it is from XXXX XXXX XXXX. I explained to them that that city is over 100 miles away from where I live, and that I have never visited that area. I asked them for the account information and they said I would need a police report. They never sent me a letter or contacted me about the debt before adding it to my credit report. When she asked to confirm my address and phone number, it was an address that I hadn't lived at in over 10 years. I sent them a letter requesting the account information of the debt, and they have never responded back, but instead they listed the account as disputed on my credit report.
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX {$380.00} Paid/Closed Opened XXXX XXXX, XXXX XXXX XXXX XXXX {$390.00} Closed XX/XX/XXXX XXXX XXXX XXXX XXXX {$570.00} Closed/collection account XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$410.00} Closed/collection account XX/XX/XXXX XXXX XXXX XXXX XXXX {$1400.00} Closed/collection account XX/XX/XXXX Equifax*** XXXX XXXX XXXX {$390.00} Closed XX/XX/XXXX XXXX XXXX XXXX. 

XXXX {$1400.00} Closed XX/XX/XXXX XXXX XXXX XXXX XXXX {$570.00} Collection account XX/XX/XXXX XXXX XXXX XXXX  XXXX {$1400.00} Open account XX/XX/XXXX XXXX XXXX XXXX {$390.00} Closed account XX/XX/XXXX XXXX XXXX XXXX {$380.00} Closed XXXX XXXX, XXXX XXXX XXXX XXXX {$570.00} Open account XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$410.00} Open account XX/XX/XXXX XXXX XXXX {$1400.00} Open account XX/XX/XXXX 2023