davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


XXXX is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

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:XXXX Account name : XXXX XXXX XXXXXXXX Account number:XXXX  has violated my rights. Or 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 2019-03-14
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Santander Consumer USA Holdings Inc. (FL)

In XXXX of 2016, santader auto called my mother-in-law and my brother about the alleged debt. They told them they were looking for me for this alleged debt and told them I would be arrested if I did not pay. They have also called me hundreds of times and this is a violation of my federal rights.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: R & B Corporation of Virginia (VA)

According to 15 USC 1681a2 I did not give any written permissions to have any accounts furnished as a consumer my rights have been violated I am in distress that false information is being reported onto my consumer report.THIS ACCOUNT IS PAST 7 years of age
Consumer complaint received 2023-06-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL (FL)

Synchrony Bank put my funds on hold without communication/explanation. I have called several times and spoke with several people who have not been able to resolve this issue. 

I was told by Synchrony that because my Mom, who also had an account at Synchrony Bank, and I have the same name - and my Mom recently passed away, the bank made an error and put a hold on my account due to the same name mix up. I have not been successful at trying to resolve this and have not been able to access my funds for more than two weeks. I have spent more than 12 hours on the phone speaking with Synchrony associates who have not been able to rectify this issue. I requested to speak with a manager and spoke with XXXX who assured me that she would resolve the issue and call me back. I have not heard from anyone at Synchrony. My direct deposit paycheck was refused by Synchrony and I had to call my employer 's bank to receive the funds into a different account.
Consumer complaint received 2023-06-28
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. (TX)

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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
Consumer complaint received 2024-11-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (GA)

Ive signed up for oops protection and Im still getting charged overdraft fees. It takes forever for transactions to clear and thats what messes my account up. My account have never been in the negative for more than 24 hours.
Consumer complaint received 2023-06-28
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: American Credit Acceptance, LLC (CO)

In accordance with the fair credit Reporting Act American Credit Acceptance, XXXX XXXX XXXX and XXXX XXXX XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (MS)

I submitted a FTC report XXXX, ( XX/XX/2023 and XX/XX/2023 ) to all XXXX credit bureaus for a fraudulent account. XXXX did their investigation and found that the account was indeed fraudulent and removed it from my report. I submitted their findings to XXXX and XXXX, but they have yet to remove it and the only response that I received was that they would be investigating. That has been over XXXX days now.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I am writing to seek your assistance regarding an issue I have been experiencing with Equifax and the updating of my credit card information on their website. Despite multiple attempts to resolve this matter directly with Equifax, I have not been able to achieve a satisfactory resolution, which is why I am reaching out to your esteemed organization for support and guidance. 

To provide some context, I recently contacted Equifax to update my credit card information associated with my account. However, I have encountered discrepancies between the information provided to me over the phone and what is reflected on my Equifax online account. When I spoke with Equifax representatives, they informed me that I have only two credit cards associated with my profile. However, upon accessing my Equifax account online, I discovered three additional credit cards associated with my XXXX number, even though I had already supposedly updated my Social Security number with them. 

Despite raising this issue with Equifax through multiple inquiries, my credit profile on their website has not been adjusted to include the correct credit cards associated with my account. This discrepancy is causing my credit card information not to be accurately reflected in my credit history, which is of great concern to me. 

I have made diligent efforts to ensure the accuracy of my credit information, and I believe it is essential for the credit reporting agencies to maintain up-to-date and accurate records. As a responsible credit user, I rely on an accurate credit history to reflect my creditworthiness and financial standing. 

Therefore, I kindly request your intervention and assistance in resolving this matter with Equifax. I would appreciate it if your office could communicate with Equifax on my behalf to ensure that my credit card information is promptly updated and accurately reflected on their website.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (PA)

This is my formal complaint to ONEMAIN for taking no actions on correcting and removing the fraudulent account that is still reflecting on my credit report and continue to damage my reputation. I sent out communication to them for so many times but until this time no further action I been taken. I have attached my FTC report with the report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Consumer complaint received 2021-10-14
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. (TX)

Hello, I have a couple of accounts on my report that do not belong to me they are identity theft related and I have already sent letters to them and my police report and they still have not fixed the issue. One issue is a chase account on XXXX XXXX XXXX ( XXXX ) C/O ( {$61000.00} ) XX/XX/XXXX XXXX  and the other is a XXXX on Equifax XXXX XXXX ( XXXX ) C/O ( {$14000.00} ) XX/XX/XXXX XXXX. 
I also have multiple inquiries on my XXXX and XXXX report that they have not removed even after sending a letter along with my police report. XXXX inq 's XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I requested that they delete the public record off of my report to maintain the integrity of my report if they can not verify directly from the source which would be the bankruptcy court. These agencies have denied my disput and marked them as completed and stated they determined that the information was accurate. Third party agencies are insufficient for the proper and accurate investigation and I have attached a letter from the court that states they do not report nor verify public records to the credit bureaus therefore they have not possibly been able to complete a true and accurate investigation which infringes on my rights and the FCRA. It appears that unfair and unreasonable procedures are in place. Prompt attention and reinvestigation is requested in order to comply with federal law
Consumer complaint received 2023-06-28
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. (CT)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT NAME : XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 100 % Balance {$1200.00} Balance updated XXXX XXXX, XXXX Credit limit {$1000.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type Revolving ON THE 3 CREDIT BUREAS THE DATE OPENED /DATE CLOSED /LAST PAYMENTS DATE /AMOUNT OWED ( BALANCE ) AND ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUND FOR REMOVAL THIS ACCOUNT IS FRAUD N ACCORDING TO THE 'FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD SHALL BE REMOVED FROM THAT CONSUMERS CREDIT REPORTS WITH IN 4 BUSINESS DAYS OF THE RECEIPT OF FRAUD!!!!

RESPONSE DISPUTE! 

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT IT IS NOW XX/XX/XXXX XXXX XXXX more than 30 days!!! 

15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-08-10
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: GOLDMAN SACHS BANK USA (TN)

Back in XXXX, I was frauded in several ways, and somehow these accounts have appeared on my credit report : XXXX XXXX, and Goldman Sachs And Co. I have never shopped at either of these companies, yet I just got a notification from XXXX XXXX that my XXXX XXXX line of credit has been reduced because of delinquent payments on these accounts. I don't know how to correct this mess. Please advise. I need these removed from my XXXX credit report. I have tried contacting them, and they said they would research this fraud.
Consumer complaint received 2023-06-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TX)

ON XXXX I RECEIVED A CALL FROM XXXX TO MY PHONE NUMBER XXXX. THEY ASKED TO SPEAK WITH SOMEONE ELSE. THE CALLER TOLD ME SHE WAS CALLING FROM XXXX  BUT WOULD NOT TELL ME THE COMPLETE NAME OF THE ENTITY CALLING ME. I ASKED IF SHE WAS USING AN ADTS TO CALL ME AND SHE HUNG UP ON ME. I CALLED THE NUMBER BACK AND A REPRESENTATIVE ANSWERED MY CALL AND IDENTIFIED THEMSELVES AS CREDIT COLLECTION SERVICES. I ASKED FOR THEIR ADDRESS AND SHE GAVE IT TO ME. I TOLD HER ABOUT THE PROBLEM I HAD WITH THE PREVIOUS CALLER AND ASKED TO SPEAK WITH SOMEONE IN THE COMPLIANCE DEPARTMENT BUT SHE ONLY TOLD ME TO GO ONLINE TO ADDRESS MY CONCERNS. I DISPUTE THIS DEBT AND DEMAND THEY CONDUCT AN INVESTIGATION OF MY DISPUTE AND SEND ME THE RESULTS OF THEIR INVESTIGATION.
Consumer complaint received 2023-06-28
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: CAPITAL ONE FINANCIAL CORPORATION (CT)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT NAME : XXXX  XXXX  XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 100 % Balance {$1200.00} Balance updated XXXX XXXX, XXXX Credit limit {$1000.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type Revolving ON THE XXXX CREDIT BUREAS THE DATE OPENED /DATE CLOSED /LAST PAYMENTS DATE /AMOUNT OWED ( BALANCE ) AND ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUND FOR REMOVAL THIS ACCOUNT IS FRAUD N ACCORDING TO THE 'FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD SHALL BE REMOVED FROM THAT CONSUMERS CREDIT REPORTS WITH IN 4 BUSINESS DAYS OF THE RECEIPT OF FRAUD!!!! 


RESPONSE DISPUTE! 

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT IT IS NOW XX/XX/XXXX XXXX XXXX more than 30 days!!! 

15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am the author if this complaint and while checking my credit report today I found some fraudulent, inaccurate and incomplete information. Please conduct a reasonable investigation ( 15 USC 1681a ) and DELETE these accounts from my credit report 1. XXXX XXXX 2. XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX ( Original Creditor : XXXX XXXX ) 5. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) 6. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) 7. ( Original Creditor : XXXX XXXX ) 8. XXXX XXXX XXXX 9. XXXX 10. XXXX XXXX XXXX 11. XXXX XXXX XXXX Late Payments ; ( update to 100 % paid on time ) 1. XXXX 2. XXXX XXXX