davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-21
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. (MT)

Hello, I am writing to inform you that the debt from XXXX XXXX XXXX is not my debt. The debt from the company they bought the debt from was a fraudulent account. I have spoken to XXXX XXXX XXXX and they agreed to remove this account from my credit report when spoken to them about this account. They have been harassing me instead. Please remove this account from my credit report. Thank you. If this account is not removed asap I will take legal action against credit reporting company 's and XXXX XXXX XXXX. I will be asking for maximum amount of monitery relief allowed for neglecting to solve my issue that have resulted in major setbacks in my business and personal life due to this fraudulent account!
Consumer complaint received 2023-02-20
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. (NC)

I have submitted a dispute for the account noted below : XXXX XXXX XXXX XXXX This is not accurately reporting. I have disputed and requested validation of the debt. The consumer credit reporting continues to say the company have confirmed it is valid. However, it is not. I have requested validation methods and sent verification of my identity as this is not accurate and adversely impacting my credit file.
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/2023 I called XXXX. 
The number given in the identity theft toolkit found on TN.gov for the credit beareau transunion. it said it could not collect the Then I called back and it sent me to a medical advertisement. I called a 3rd time and it had me give my ss # and then hung up on me. They also did not record the phone call. 
Then i called XXXX for the credit beareau XXXX. also found in the toolkit for identity theft toolkit on TN.gov. they recording started requesting social and address with out recording the phone call. I spoke with XXXX maybe fifteen minutes before requesting a fraud alert be placed on my credit. They were very helpful and gave me a confirmation number for the fraud alert. The other two companies are not cooperating at all. I need everything in my name credit ss # and credit frozen until an investigation can be done with everything on it and alerts directly to me if anything changes on my line of credit while the investigation is being handled.

Please help me contact who ever will record and take my phone call for Trans Union and XXXX XXXX
Consumer complaint received 2023-02-21
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. (CA)

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 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 2023-02-21
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. (MI)

In accordance with the Fair Credit reporting act XXXX Account with Transunion and XXXX has violated my rights. They are furnishing information that is inaccurate and incorrect regarding an account with XXXX XXXX  also known as XXXX XXXX  XXXXXXXX XXXX XXXX 15 U.S.C 1681 section 602A. States I have a right to privacy. 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-09-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC. (LA)

I was sued for this debt It was not owed but they called my daughter and threatened her she got scared and made a payment it XXXX the payment on a debt become current again Then the lawyer sued me The courts entered a judgment against me My pay was garnished after all was said and done, they took the last payment and gave me a release XXXX and behold they are at it again I did not contact them because I'm afraid. I am elderly and hoping to retire without them garnishment again. The court doesn't care I did not owe this money in XXXX  They have hounded me for a debt that is over a decade and I paid Once years ago they called and I made arrangements to pay if off for {$800.00} then again in XXXX, when they hired a lawyer and garnished my wages for a debt I did not owe and now they are at it again
Consumer complaint received 2023-02-21
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)

To whom it may concern : I am writing to update/correct my personal information on file with your company.

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$2400.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$1100.00} XX/XX/XXXX XXXXXXXX XXXX XXXX {$890.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$20000.00} XX/XX/XXXX BANKRUPTCY XXXX XX/XX/XXXX
Consumer complaint received 2023-02-21
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. (LA)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-21
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SF VAGO, LLC (GA)

I have an auto loan account with Statefarm ( EMVLP LLC ) as well as other products. I have been a customer with them for over 8 years. For this particular loan, in XXXX XXXX XXXX I was late on a payment. I took the extension that was offered but due to the pandemic and loss of employment, I was still behind and missed one payment. Ever since I caught up I have not been late. I have emailed the CEO XXXX XXXX and talked to a supervisor by the name of XXXX for a courtesy update and a goodwill removal. They were not polite with their responses and showed no empathy for my situation as someone who was directly impacted by the pandemic. This is affecting my ability to apply for other loans as it reports on my credit statements as a derogatory mark.
Consumer complaint received 2023-02-21
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. (VA)

XXXX XXXX XXXX, XXXX and Transunion all stated that account number ending is XXXX was accurate as well as complaint. After looking further into my credit report I noticed that All 4 Failed to provide me with the utmost accuracy and compliance that I needed in my credit file as it affects my every day life. Account Number XXXX XXXX XXXX XXXX XXXX XXXX Date of First Delinquency IS WRONG. Creditor Classification IS MISSING. LATE PAYMENTS ARE INCORRECT BECAUSE there isn't any late payments reported only 11 months of charge off Please Remove Charge off and Mark paid as agreed or Delete from my Report Section 607 ( b ) of the FCRA provides that [ w ] henever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.In some cases, such as when certain account or other information fields on consumer reports are logically inconsistent with other fields of information, a consumer reporting agency can detect the logical inconsistencies and prevent the inaccurate information from being included in consumer reports it generates, thereby avoiding the consumer harm to individual consumers that can result from reporting such inaccurate information.In addition to provisions authorizing Federal and State enforcement, [ the FCRA contains two provisions relating to civil liability to consumers for noncompliance. Section 617 provides that any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the consumer 's actual damages, and costs and reasonable attorney 's fees.Section 616 provides that any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to actual or statutory damages of up to {$1000.00} per violation, such punitive damages as the court allows, and costs and reasonable attorney 's fees.A violation is willful when it is inconsistent with authoritative guidance from a relevant agency.
Consumer complaint received 2022-10-04
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. (OH)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Opened XXXX {$130.00}, XXXX XXXX Opened XXXX {$620.00} 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 2019-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On ThursdayXX/XX/2019. I noticed that my personal checking account and the joint account I shared with my wife were both in the negative by approx. {$1800.00}. I called my wife and asked her to check her account and it too was in the negative by the same amount. I deduced that this was the Ma. DOR debiting what I owe from my account. Fair enough. On Friday XX/XX/2019 my paycheck for {$1000.00} ( Approx ) was deducted from the negative balance in my account leaving me with a negative {$770.00} balance. I figured they would deduct the remaining balance from my wife 's account and that would be that. Checking my wife 's account we discovered that they had taken the entire {$1800.00} from my wife 's bi-weekly paycheck leaving us with {$200.00} to our names. I assumed they would refund my check back into my account since they now had over {$1000.00} more than the DOR had ordered them to hold. As would be the case many times over the next few days I assumed they were an honest company, this is far from the truth. I went to the DOR  and spoke to the tax examiner assigned to my case who told me that if the amount I owed had been deducted from my account that the lien could be released and my funds returned to me. Bank of America has refused to return my funds. It has now been a week and I've had to jump through hoops to avoid anything from being deposited into my account for fear that they will simply steal it as they previously have. I am at a loss as to what to do, but their action is criminal in my book and should not go unpunished. If I ever get my funds back I will close any account I have with them and urge anyone I know not to use this criminal organization.
Consumer complaint received 2023-02-20
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)

I have files a complaint with you Transunion and XXXX. XXXX took my XXXX year old student loan off my report because the UD Dept of Edu is committing fraud. On my Transunion report it says loan was opened in XXXX and the office handling it is in XXXX TX and XXXX report says the loan was opened in XXXX as well but the office handling it is in XXXX IL. I do NOT have 2 students loans for 1. HMM odd that they are the same amount and opened the same but 2 different offices are handling it. Its because they keep transferring the same 19 year old loan to different offices so it can be reported as a new loan so it screws up my credit score. I've also sent in a complaint to you as well about the US Dept of Edu and you told me to contact them. 
So please tell me how its fair to me that a loan I started in XXXX and added to again in XXXX is being reported as a 6 year old loan and not 19 years? Also how is it that 2 different offices are handling the same loan and different on my reports? This a fraud AND YOU'RE SUPPOSED TO STOP THINGS LIKE THIS FROM HAPPENING. But since its the government you're not doing a XXXX thing.
Consumer complaint received 2023-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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 XXXX XXXX, Account name : # XXXX XXXX XXXX XXXX XXXX Account name : # XXXX, WebBank/Fingerhut, 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 repo
rting 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 2023-02-20
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. (DE)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-20
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA 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 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 XXXXXX/XX/XXXX.
Consumer complaint received 2023-02-20
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-20
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. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-02-20
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.