davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-06
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. (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 Account Number : 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 instruction

s 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 2021-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I have sent two letters via certified mail to the three credit bureaus and they have refused to delete the incorrect information. I gave them my only personal information to include my name, address, phone number, and employer. The first letter was in XX/XX/2021, the second letter was XX/XX/2021. It is my belief that the over 16 addresses, 8 aliases, and 9 different phone numbers were provided by some persons or companies that have not yet provided verified proof of debt. I have provided proof to all three credit bureaus of my only name, current address, phone number, and employment. This is detrimental to my credit as I am currently attempting to purchase a home. I have already been denied twice ; me and my family are suffering from the three credit bureaus lack of action.
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

On XX/XX/2021 I noticed that there errors, inconsistent, inaccurate, and violations through out XXXX XXXX, and equifax. they even have a couple accounts 120 days past due which that is a violation. I believe credit reports should be 100 % accurate and these are not. Child support should not be on profile as a loan.
Consumer complaint received 2024-09-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 2021-02-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2021-02-26
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (PA)

US Reliacard has refused to re issue me a lost card after following verification protocols with the State and US Reliacard. I have resolved any issues with the state. i do notricting access to my funds and account for more longer wish to have reliacard as my cardholder service as that is their wish, however my funds should be able to be removed from the card and the only way to do so is to transfer the funds into my account from the card. They have been holding on and restricting access to my funds and accounts for over 2 months. 

Please assist with a resolution.
Consumer complaint received 2021-02-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

PayPal closed my account for no reason on the XXXX XX/XX/2020 and promised to open it after 180days.. It's past 180days and they are not helping me with getting it back up and allowing me use my balance. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2024-09-06
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. (MO)

To whom it may concern. 1 ) 15 USC 1681 ( 2 ) ( a ) ( i ) state 's Transactions and Experiences between the consumer and the person making the report are not included in " consumer reports '' 2 ) The IRS defines a Charged off account as Cancelled Debt that you have to pay taxes on. 3 ) Charged off accounts over {$600.00} reporting to your consumer report is TAX FRAUD. IRS states If your debt is forgiven or discharged for less than the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Cancellation of a debt may occur if the creditor can't collect, or gives up on collection account youre not obligated to pay. Civil liability for willful noncompliance 15 U.S.C. 1681n states that anyone who obtains a consumer report under false pretenses or without a permissible purpose is liable to the CRA for actual damages or {$1000.00}, whichever is greater. I request to remove this account from my consumer credit report. Account ( XXXX XXXX XXXX )
Consumer complaint received 2024-09-06
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. (AL)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: COLLECTION BUREAU INCORPORATED (UT)

I have lived in Utah my whole life. Last year I noticed a collection on my Credit while I was applying for an Auto Loan. The collection I found was from XXXX XXXX XXXX for some apartment in California. 

I have never lived in California. I have been living in Utah my whole life. I have a signed lease for a place in Utah. I tried reaching out to the apartment in California where the Collection Company CBI says the apartment was rented. When I reached out to property the " XXXX XXXX on XXXX '' the person who answered at the front desk said the property management company that filed the collection was fired for not properly vetting their tenants. I have not been able to find any numbers to this property management company who filed the collection. I have reached out to the Collector CBI many times. They keep saying they are investigating it but never do. 

I mailed a letter in the format suggested on FTC.gov to CBI the collection company. They sent a letter back showing a copy of the contract. It looks like the signatures were all electronic. 

There is other weird things listed on the copy of the lease CBI sent me like some old XXXX car but the license plate was not listed. It shows a move in date for XX/XX/2019 and a Move out date for XX/XX/2019. I was living in Utah at the time and would never want to live in California I have filed a police report. 

I have mailed letter a few letters and made several calls. Filed a police report. Followed every step on Identitytheft.gov. I can go back and search bank statements or credit card charges that show I was in Utah if necessary. I am shocked that any type of property management company would blindly rent to someone without checking an I.D . in person. 

I have perfect credit except for this and I now can't buy a home or even move and rent another home because of this fraudulent collection. 

I have attached my rental agreement from XX/XX/2019 for the place in Utah I was living at and that I am currently living at.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern, According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of incorrect and outdated personal information on my credit report. The inaccurate data reported negatively impacts my creditworthiness and violates my rights under federal law. Delete this from my personal credit report now! 

Incorrect DOB - 1980 Incorrect DOB - XXXX Incorrect Name - XXXX XXXX XXXX Incorrect Name- XXXX, XXXX, XXXX Incorrect Previous Address - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CO XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, CO XXXX
Consumer complaint received 2021-02-24
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: EQUIFAX, INC. (IL)

I have disputed several inaccurate accounts from my report to the credit bureaus but they aren't neither answering nor taking action, after 30 days of waiting for nothing, i disputed again my accounts.
Consumer complaint received 2024-09-06
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. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation
Consumer complaint received 2024-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Incident Description : XX/XX/XXXX, I initiated a dispute regarding an entry on my credit report with XXXX, Transunion and XXXX. The entry in question pertains to an accounts that does not belong to me. 

Actions Taken : I submitted several formal disputes through online portals and mail to XXXX, XXXX and Transunion. 

I received a response from all three bureaus stating that the investigation would be completed within 30 days. The response indicated that they would contact the creditor to verify the accuracy of the information. 

I followed up with as the investigation period had expired. I was informed that the outcome was that they were able to verify the accounts were mine and when asked for the original signed contract, I never heard back. 

Amounts Involved : The disputed entry involves : XXXX XXXX I show the balance on my XXXX report as {$3400.00}. XXXX I'm not sure of the balance. XXXX XXXX {$120.00}. XXXX XXXX XXXXXXXX {$1200.00}, XXXX XXXX XXXX XXXX {$560.00}, XXXX XXXX  {$1500.00} and XXXX XXXX XXXX {$590.00}. 

Current Status : As of XX/XX/XXXX, the issues remains unresolved. I have sent additional documentation, spoken with a representative, etc. However, the incorrect information is still appearing on my credit report, affecting my credit score.

I request that you forward these comments to the companies involved to ensure that this issue is addressed promptly and accurately. I am looking for a resolution that includes correcting or removing the inaccurate information from my credit report. 

Thank you for your attention to this matter.
Consumer complaint received 2021-02-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

on XX/XX/2021. I sent a letters regarding inaccurate and unknown things on my credit report. to this day over 45 days later I have not received a response yet. This neglect has tarnished my reputation I take this neglect as harassment I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ). it is plainly stated that a failure to investigate these items within 30days fives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands.
Consumer complaint received 2021-02-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (PA)

CONVERGENT OUTSOURCING is attempting to collect a debt from XXXX XXXX in the amount of {$4500.00}. This account was handled with XXXX back in 2018 when I first noticed the Debt. all appropriate fraud paperwork and investigations were handled at that time. A police report was submitted as well.. This account is no longer associated with me legally!!
Consumer complaint received 2021-02-27
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. (GA)

I was taken advantage of due to false practice while several laws were being broken under the FCRA by your company. This has caused me financial injury, deformation of character, I can't get a job, or apply for credit. I can't even get a sba loan or anything else in this pandemic due to this crisis. You have hurt my ability to uptain credit.
Consumer complaint received 2024-09-03
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/year>2024, I walked into the Wells Fargo Branch in XXXX XXXX, TX, to close my savings account to retreive my funds. Wells Fargo employee informed me they sent the funds in my savings account to Unclaimed Property ( State of Texas ). Wells Fargo never asked for permission to do this and did not contact me. The employee told me he had contacted Unclaimed Property and they would have a check for me in XXXX weeks. 

On XX/XX/year>2024, I called Wells Fargo, spoke with XXXX in Customer Advocacy Group and XXXX in Digital Support Team. I told XXXX I wanted a transcript of my conversation with Wells Fargo on XX/XX/scrub> 2024. XXXX goes silent after I remain on the phone for an inordinate amount of time. XXXX does not respond to my questions, asking if she is there several times, yet the phone is live on her end. I tell her she gives me no alterative than to sue in small claims court to subpoena the information needed. XXXX remains silent and does not respond. 

I just want my money back.
Consumer complaint received 2021-02-26
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: EQUIFAX, INC. (AR)

I have been wanting to remove inquires from my credit report for almost 6 months now. I'm new to credit and just now figuring a lot of that i didn't have authorized or gave any consent. i would just like the items i have dispute removed and deleted from my credit profile so i can live a better life.
Consumer complaint received 2021-02-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (GA)

I've learned that Phoenix Financial Services is a debt collecting agency after I saw this debt collection show up on my credit report. I contacted Phoenix to get information about the creditor as I'm unaware of who they are. They did tell me the bill from this creditor is from XXXX. It's now XXXX. I have never received a bill from the named creditor nor have I received a phone call regarding any debt. I have had the same phone number for 20 years and while I have moved, my mail had been forwarded to current address. Why have I not heard from the creditor or this collection agency regarding this bill over the last 2 years? I last spoke to Phoenix collection agency on XX/XX/XXXX once again requesting an itemized bill and information on this creditor and still have received nothing. I confirmed my mailing address, phone number and email. It's been over 60 days and still have received nothing. I can only assume this is fraudulent as this point.
Consumer complaint received 2021-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I recently checked my credit report and noticed fraudulent inquires on my credit report.I reached out to the creditor to request the inquire to be removed and they have not removed it.These are fraudulent inquires and need to be removed immediately
Consumer complaint received 2021-02-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.
Consumer complaint received 2021-02-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: HUNTINGTON NATIONAL BANK, THE (MI)

On XX/XX/2020 i was garnished through my bank account i has revived two legal fees that day one for the said garnishment and XXXX for XXXX which i was given no reason i called the bank multiple times including corporate offices to get a different answer each time to find out after three days it was the bank who took the money. I then called the bank to ask why i was not informed of the garnishment and to which i was told they did not need to? After which i revived two letters from them at different times one stating that XXXX dollar fee would be charged to my account for this type of action if the available funds were there the other was a statement for my account stating that they overdrafted my account with the garnishment ( which is illegal in mi ) because they choose to take their fee 100 % befor taking the garnishment out. I have spoke with multiple people at different times asking to be reimbursed for the illegal action taken on my account to which i was told no they would do nothing they were in the right to do so. I then contacted my attorney and had them mail a letter asking to have this issue resolved after the three week dead line we have had no response from the bank by letter or phone to either my attorney or me. This just says to me that the bank can take your money even going against their own contract and not be held responsible
Consumer complaint received 2021-02-26
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/XXXX I sent TransUnion a letter regarding inaccurate items on my credit report. Over 60 days after the first letter I sent TransUnion another letter Demanding their response on XX/XX/XXXX. It is now XX/XX/XXXX Over 80 days have passed since I sent TransUnion my initial dispute letter regarding these inaccurate accounts. Section 611 ( a ) states that a failure to investigate these items within 30 days of receiving disputes gives a reason to delete disputed accounts. I have not gotten a response from TransUnion in over 80 days. This is unacceptable of the disregard for FCRA Section 611 ( a ). This process has been difficult for me to take my time to write up letters, and TransUnion disregards the law and ignores my letters is very stressful. I demand these accounts be deleted under FCRA due to the inaccuracies and the neglect of federal Law by TransUnion.