davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Under 15 USC 1681b, any consumer reporting agency may furnish a consumer report under specific circumstances, and no other. Subsection ( 2 ) of this statute clearly states that a consumer report can be provided " in accordance with the written instruction of the consumer to whom it relates. '' I have never provided written consent to any consumer reporting agency to report the accounts in question, which directly violates my rights as a consumer. The absence of consent implies identity theft, a serious offense that undermines the integrity of my consumer report. 
I am formally demanding the immediate deletion of the following accounts from my consumer report : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX ( UNAUTHORIZED INQUIRE ) SCREENING REPORTS XXXX open date XXXX XXXX XXXX XXXXXXXX XXXXXXXX open date XXXX XXXX XXXX XXXX XXXX open date XXXX XXXX XXXX XXXX XXXX open date XXXX XXXX XXXX
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

c THE ACCOUNTS BELOW HAVE VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602A. STATES I HAVE THE RIGHT TO PRIVACY.

15U.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 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 TEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 U.S.C 1681 S-2 ( A ) ( a ) 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 2024-09-13
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)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-13
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. (WI)

I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2019-03-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA (KS)

This bank closed my account and has almost {$2300.00} of my money plus some other funds. They called randomly and said Im banned from the bank but I have not even been to their location. This is unjust.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX is currently reporting {$32000.00} as current balance on transunion but reports a current balance on XXXX of {$33000.00}. They are also reporting no late payments and XXXX payment history on Transunion but reporting at least XXXX late payments on XXXX. Please see attached. This XXXX is also a part of litigation as the engine blew and Insurance refused to cover it due to XXXX concealing their engine issues. I am also in the process of filing suit against the dealership where the vehicle was purchased due to fraud and misrepresentation. A complaint has already been issued with the Alabama Attorney General. XXXX is currently in direct violation of the FCRA and of USC 15 section 1681 and are repeat offenders. They are also reporting " knowingly inaccurate and inconsistent information to the bureaus. This negative reporting status is causing financial hardship for myself and family as I am unable to apply for credit. This account is painting me in a negative light.
Consumer complaint received 2023-10-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (PA)

In XXXX of XXXX, i had a major home repair that was unexpected. My well on the property was found to have run dry, and resulted in me having to find a way to pay XXXX XXXX dollars to provide myself and my family the most essential resource to survive. Since then, i have been trying my hardest to dig out of that debt, all while dealing With the hardships that affect many americans resulting from XXXX. Since that point, i have worked hard, long hours at my current job in XXXX. I have furthered myself in my job, and lost countless hours with my family as many people have just trying to make ends meet. PNC has not helped in any sort of way to help me get back on track. Charging me {$140.00} in overdraft fees in XXXX, and a whopping {$720.00} in XXXX. I was not the most finacially literate person, and on numerous times overdrafted the account just to be able to survive. On XX/XX/XXXX, PNC offered to reimburse a measely {$140.00} out of the {$860.00} i have paid them in overdraft fees. I don't believe this helps anybody dig out of a hole. I am attempting to get together an itemized list of the overdrafts, and will send you them at your request. Thank you for your time in this matter, and i hope to get back on track.
Consumer complaint received 2023-10-13
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Wolf River Development Company (NV)

Crane finance contacted my XXXXXXXX XXXX XXXX and told them that they wanted t do a Notice of Voluntary Wage Assignment Intent without my permission. They stated that I signed this form when I applied for the XXXX loan. I do not remember seeing this paper or remember reading it. If I had, I never would have signed for it. 
My XXXX was going to XXXX me for having an outstanding loan that was trying to be collected through a wage assignment. 
I should have been informed in advance that they were going to contact my employer. This contact put me in a difficult position that almost cost me my job.
Consumer complaint received 2018-10-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (CA)

On XX/XX/2018 at approximately XXXX and XXXX I received two telephone calls from a company that refused to identify themselves or the name of the company they represented. Again, I informed the female representative that they have called my home repeatedly and have not left any messages and then they'd just hang up the telephone. Therefore, today after receiving the second call, I looked at my caller ID to retrieve the phone number. I called and the female representative refused to tell my the name of their company and what type of service their company provides. So I asked to speak to her manager, named XXXX XXXX. While speaking to XXXX XXXX he told me that he could not provide me with any information regarding the type of services their company provide. However, he said that the person who they are calling he could not give me any of their personal information either. But I had ti reiterate to XXXX XXXX that I never asked that they provide me with personal information for the party that the call was intended for, I asked for the name of the company and the type of services that they provide to the consumer. 
XXXX XXXX, the manager still refused, he then gave me the name of a company named Radius Global Solutions, and told me that I can research the company name online. 
XXXX XXXX then went on questioning me asking me if I was the person that they were calling for or he repeatedly asked me if I knew that person. Initially, I made myself perfectly clear to both the female representative and to XXXX XXXX that I was not the party that he was calling for and I did not know of that individual, but he acted as though he didn't believe me and he continued to ask me the same questions that I had previously answered. This was very disturbing to me. Mr. XXXX XXXX knew or he should have know that the manner in which he conducted the call was harassing and the repeated calls and his questions were unwanted, but that did matter to him. I thought that XXXX XXXX actions and the tone that he used with me was a clear violation of the FCRA and the FDCPA. I want to be permanently removed from their databases effective immediately. I do have a copy of the telephone call that I recorded. Idid make it perfectly clear that the call was recorded because XXXX XXXX informed me that he too was also recording the conversation. The recording will be made available to you upon your request, for your review and consideration, if needed. Again, it will be provided upon your request. I do not owe this company. I do not know why this company is calling me! I DO NOT HAVE ANY OUTSTANDING DEBT OWED TO THIS DEBT BUYER AND/OR COMPANY OR ANY OF THE CLIENTS OR CREDITORS.
Consumer complaint received 2024-11-15
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. (NC)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

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 :XX/XX/XXXXAccount NumberXXXX Account Name : XX/XX/XXXX Account Number:XX/XX/XXXXAccount Name :XX/XX/XXXX Account Number:XX/XX/XXXX Account Name : XX/XX/XXXX Account NumberXXXX has violated my rights. Or a 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 2023-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (PA)

XXXX Received check in mail from US Treasury for FED STUDENT LOAN REFUND check number : XXXX ( see attached ) XXXX Deposited check into checking account via truist bank mobile app XXXX Received e-mail from truist bank notifying me that a hold was placed on the check ( see attached ) stated reason, we have confidential information that indicates the check may be returned and may require an additional review. 

XXXX Checking account frozen by truist bank for all incoming and outgoing transactions XXXX received e-mail from truist bank notifying me that a hold was place on the check ( see attached ) stated reason, some information on the check is inconsistent with other information on the check. 

XXXX Spoke in person at my local truist bank with manager XXXX XXXX ( branch leader II assistant vice president ). I provided him with a photocopy of the check and was told he would, look into it and he would also submit a request for information from truist bank fraud department. He stated he would, keep in touch with me. 

XXXX I contacted XXXX who is my student loan servicer. They verified that the check was a legitimate check from US Treasury. 

XXXX XXXX XXXX XXXX XXXX had not contacted me so I went back to the branch to speak in person to let him know I received confirmation from XXXX that the check was legitimate. He informed me that I could not speak to the fraud department and he needed to act as intermediary. He told me that according to truist bank fraud department, US Treasury has flagged the check as fictitious and that I would need to contact US Treasury. 

XXXX I ran the check number through US Treasury Treasury Check Verification System ( TCVS ). The results were, Check verified Status : Paid ( see attached ). 

XXXX I talked to XXXX to receive verification in writing confirming the legitimacy of the check. They began the process of mailing that information to me. I have not received this information yet. 

XXXX XXXX I made several unsuccessful attempts to contact US Treasury via phone and e-mail. 

XXXX I had e-mail communication with US Treasury OIG which confirmed that the check was legitimate, that US Treasury had no claims on the check and that US Treasury confirms the check status was paid on XXXX. XXXX XXXX : XXXX ( see attached ). 

XXXX I returned to my truist bank branch to speak with XXXX XXXX and provide him with the updated information. He spoke with the fraud department again and informed me that NOW their fraud department is claiming that US Treasury HAS NOT flagged the check as fictious. He stated that he needed to investigate further with other departments and that he would, keep in touch with me. To this point I have received further communication with XXXX XXXX.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I reached out to XXXX XXXX to correct the incorrect report of a missed payment on my loan account. While they assured me that it was a mistake and that they would correct it, the error remains on my credit report. Despite the fact that no payment was missed, this erroneous information has lowered my payment history score from 100 % to 99 % across all three credit bureaus. I am urgently seeking a solution to address this matter and restore my account 's status to " no missed payments, '' thus returning my payment history to a perfect 100 %.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I am writing to dispute the validity of the debt reporting on my credit report. After careful review, it has come to my attention that the statute of limitations for these debts has expired. 

As of my last knowledge, the statute of limitations for the type of debt in question is up to 7 years only, and the last activity on this account occurred on XXXX. Based on this information, it is my understanding that the legal timeframe for pursuing this debt has lapsed. 

I am attaching the following photos for your reference : 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 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

Delete hard inquiries In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidenciality under 15 USC 1681.

The accounts below have violated my rights. 15 USC 1681 section 602A.

States I have the right to privacy.

15 USC 1681 section 604 A section 2 : it olso states a consumer reporting agency can not furnish and account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the fallowing item of information. Any other adverse item of information other than records of convictions and crimes which antedates the report by more than 7 years.

15 1681 s-2 ( A ) ( a ). A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable couse to believe that the information is inaccurate.

Delete accounts below. 
XXXX XXXX XX/XX/2023 XXXX XX/XX/2022 XXXX XX/XX/2022 2022
Consumer complaint received 2023-10-14
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. (IL)

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 XXXX USC 1681. 

Account name : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX  XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 2018-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My old pay off Student loans All pay off XXXX XXXX loans And Transunion XXXX XXXX Three reporting companies Will not remove from my report all Account that are old and pay off And written off account are all pay
Consumer complaint received 2018-10-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WELLS FARGO & COMPANY (WA)

A person called me from phone # XXXX XXXX XXXX, and previously left a message saying the call was from XXXX Court. XXXX XXXX, said she was the assistant to Attorney XXXX at XXXX, NM court. She was calling about a judgment against me. She putt me on hold to talk to Mr XXXX several times and told me the {$25000.00} judgment against me could be settled by paying 4 payments for XXXX, or 1 payment of XXXX I informed her i am on XXXX since my XXXX XXXX and i make {$190.00} per month and do not have assets equaling XXXX nor do i even make that in 1 year, much less XXXX per year. She said if i do not make a payment today, they will enforce the judgment against me for XXXX She had stated thecredit card was Wells Fargo and they had brought charges against me inn XXXX county,  NM. I told her i would call her back. Then called the XXXX courthouse in New Mexico and spoke to my friend that works at a law office, she also called the XXXX courthouse, they said no one with the name XXXX XXXX, nor Judge XXXX works at or for their courthouse ore court system. I did NOT call XXXX XXXX back.
Consumer complaint received 2018-10-19
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. (CA)

I sent this company my disputes on XX/XX/XXXX with full details on what accounts were erroneous and I needed to be removed. The account I disputed was linked to somebody whose last name is XXXX who lived in XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX. 
In the dispute, I attached documents to proof that The name and address wasnt mine. I attached my Identity documents as proof of my address and Names which categorically differentiate from the person on the account that was supposed to be mine. 
But to my surprise, this company refused to delete this account even with the overwhelming evidence from my identity documents. For yet another time, this account is not mine and I need deleted immediately : XXXX ACC # XXXX, Date Opened XX/XX/XXXX, Original Balance {$350000.00} Attached here with is the dispute letter I sent this company, my Proof of address where I have been living since then and my Driving License which states my names fully. Any name thats not on my Identity documents is not mine.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have been contesting for XXXX years with both XXXX and transunion about inaccuracies on my credit report with my upstart loan. Everytime I submit a dispute they say it's been " investigated '' and the information is accruate. I have emails, letters, and phone calls with upstart saying that they havbe not reported ANYTHING late, and they have no record of either credit agency contacting them for an investigation. I want the late payments removed from my credigt but they refuse EVEN WITH DOCUMENTATION from the creditor.
Consumer complaint received 2018-10-19
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. (CA)

I'm a victim of identity theft I've sent the identity theft report and the police report to Equifax and to the rest of the credit bureaus. All the creditors have removed the fraudulent accounts but Equifax. I'am extremely upset and disported on how equifax disputes the fraudulent account. I don't understand how a fraudulent accounts are still reaming under my name is beyond my understanding Its been a while that I've been disputing these accounts and I'm extremely distressed I've contacted the creditors and I haven't gotten anywhere My identity was jeopardized. I lost my purse at an event and after that I've realized accounts were oping under my name. These are Not my accounts thyrese are froud. Please i need help remove these fraudulent accounts.