davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-05
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. (NV)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX I filed complaint XXXX. XXXX still has not provided the documents requested in this complaint. The company has yet to prove a balance is owed. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Indiana. Billing statements and or a contract are not enough to prove a balance is owed. Accounting records are needed to prove a balance owed. XXXX cant provide that information. XXXX has sent out correspondence trying to extort me for an extension of credit that the company can not prove is owed. Thats a violation of 18usc 894. There are heavy penalties for this crime. In addition XXXX is reporting this derogatory account to my credit report through XXXX, Transunion, and XXXX. Under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information every condition must be met to report my non public personal information to non affiliated third parties ( XXXX, Transunion, XXXX. ) I never received any disclosures from XXXX. The FTC states without proper consent it is identify theft. A violation of 18 U.S. Code 1028- Fraud and related activity in connection with identification documents, authentication features, and information. The information that is being reported to my credit report from this account is false and inaccurate. Its a violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. If the company refuses to delete the account then Ill proceed forward with litigation. Ill pursue civil action for a failed requirement under the Fair Credit Reporting Act 15 U.S.C. 1681 s-2 ( b ), pleading for damages, caused by the XXXX, for false and negative reporting. I do want to bring up again the master purchase agreement as if this does get tied up in litigation itll be a key piece of evidence used. Companies that sell debt state in these agreements that they do not guarantee the information to be 100 % accurate. You can try using a Bill of Sale but theres this thing called the Rule of Completeness. I can request all relevant parts to a writing or a recorded statement. This ensures there are no misleading version of events. 
Ill be sending a copy of this compliant to the State Attorney General and the FTC as there elements of extortion and fraud along with FCRA violations.
Consumer complaint received 2022-10-28
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: Experian Information Solutions Inc. (NJ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of the Credit Reporting Agencies to retain disregarding a consumer 's appeal for the alteration of the disputed account on my Credit Report. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please repair or correct the account listed below : XXXX XXXX
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

My account with ( those creditors was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-30
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. (PA)

According to the Fair Credit Reporting Act your credit reporting agency is in violation of the FCRA 15U.S.C. 1681b ( a ) ( 2 ) because I did not give CONSENT to furnish the accounts listed below on my Trans Union credit report.

FCRA 602 states I have a right to privacy and FCRA 604 states a credit reporting agency can not furnish an account without my written instructions. 
I gave no one CONSENT, PERMISSION or instructions to furnish these accounts on my credit file, they are in violation of the aforementioned laws. 
Remove every account listed below immediately because they are violating my privacy. My NON PUBLIC PERSONAL INFORMATION is private and FCRA 1681b ( a ) ( 2 ) protects my rights as it is clear this information should not be reporting without CONSENT from me because I gave no one at Trans Union any instructions to furnish these accounts as provided under 1681b ( a ) ( 2 ) and FCRA 604 ( a ) ( 2 ). Delete the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  If any accounts listed above are not DELETED from my Trans Union credit report then I am officially requesting in advance under 15 U.S.C. 1681i ( A ) ( 7 ) / FCRA ( 6 ) ( B ) ( iii ) ALL the procedures used that you may alledge led to any of the ( 3 ) accounts I am disputing in regards to 1681b ( a ) ( 2 ) and FCRA 604 ( a ) ( 2 ) to be verified.

Also I am requesting the name ( s ) of the person ( s ) you spoke with along with their telephone numbers and address in accordance with 15 U.S.C.1681i ( A ) ( 7 ) / FCRA ( 6 ) ( B ) ( iii ). 
I understand that this information would require that Trans Union send me the information within 15 days or I can sue Trans Union for not providing the information in a timely manner and collect {$1000.00} in a court of LAW for that isolated violation.
Consumer complaint received 2024-11-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harris & Harris, Ltd. (OH)

I canceled internet service with XXXX XXXX & paid the full balance in XX/XX/XXXX and they continued to bill me months afterwards. 
In addition, I returned their equipment to the XXXX XXXX location in XX/XX/XXXX. 

After canceling service and paying my full balance due for XX/XX/XXXX, XXXX continued to bill me in XXXX, XXXX & XX/XX/XXXX at {$100.00} per month. 

When I initially signed up, they offered a 1 year promotion, which ended in XX/XX/XXXX. The bill increased from $ XXXX to $ XXXX. 

On XX/XX/XXXX, I began using XXXX home internet service. 

As of XX/XX/XXXX, the company sent a fraudulent collections bill to the credit bureaus, which has affected my credit score. 

I would like XXXX XXXX XXXX XXXX to remove the debt collections & report my account in good standing to all the credit bureaus. 

Thank you,
Consumer complaint received 2021-01-04
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: Experian Information Solutions Inc. (FL)

Please accept this letter because it is very important for me. I hope we find mutual understanding and you will remove and recheck one more time wrong items in my credit report. I would like officially to complain about that you are reporting inaccurate and incomplete credit information. Those accounts I do not recognize absolutely and as for inquires I have never given any permission to any companies. I have never authorized those inquires and accounts. Please recheck and remove them from my credit report.
Consumer complaint received 2023-11-16
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: DriveTime (SC)

The law states 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 report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I didn't give this company any written instructions to furnish my credit report for any reasons. This company is in violation of multiple laws like Identity Theft as I did not provide my personal information to them and In violation of 15 USC 1681b permissible purpose.

I am requesting that they show proof of the written instructions given from me or remove the inquires from all three of the credit reporting agencies ( XXXX, XXXX and XXXX ) immediately as it has caused me to have a bad reputation, character, and denial of credit from lenders due to inquiry.
Consumer complaint received 2024-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (GA)

Hello, Im at my breaking point with how frustrating and demoralizing this situation is. Waking up to an unverified debt that doesnt belong to me was a nightmare, and since then, the harassment across various platforms has been relentless. Im even receiving threats of legal action, which is an experience I never thought Id have as a law-abiding consumer. It feels deeply insulting and is a blatant violation of my rights. The stress has become unbearable, affecting my mental health and leaving me with sleepless nights.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED!!
Consumer complaint received 2023-11-16
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ROBINHOOD MARKETS INC. (TX)

On XX/XX/XXXX I used my Robinhood debit card to purchase an XXXX. I didnt receive the service that I paid for and XXXX  never reached back out for a resolution so I went through my card dispute team to get it resolved. They told me the merchant never responded, but also still denied my claim. Even though I had proof I did not receive anything.
Consumer complaint received 2024-11-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This company is furnishing and reporting negative, inaccurate and fraudulent information to my rental history reports. This company is reporting negative information on my report in reference to properties that I have never lived in nor been associated with. They are reporting fraudulent, negative information with incorrect names, dates of birth and inaccurate social security numbers on my rental history reports. This information does not belong to me. These errors have caused me to be wrongly denied for rental applications. This company should remove all negative accounts from my rental reports immediately.
Consumer complaint received 2024-09-05
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. (OH)

To whom it may concern, I recently reviewed my credit report and noticed several unauthorized attempts to pull my credit from companies I did not consent to. I believe these transactions or identity theft and request them to be removed immediately below are the inquiries in question. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-16
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NV)

My CDs were set to mature so I have been watching them in my app. One day I dont see them anymore and make a phone call to Wells Fargo XXXX They give me no information, except that Im being transferred to loss prevention. Upon speaking to loss prevention, they say my accounts will be closed on XX/XX/XXXX and they dont have a reason except its a business decision.
Consumer complaint received 2024-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP (NC)

I CONTACTED XXXX XXXX XXXX AND TOLD THEM I DID NOT HAVE A LOAN WITH THEM AND THEY SAID THEY WOULD REMOVE THE LOAN FROM MY CREDIT FILE AND I WAS NOT RESPONSIBLE. I CONTACTED XXXX XXXXXXXX XXXX XXXXXXXX AND TOLD THEM IT WAS FRAUD AND ASKED FOR THE DOCUMENTS FROM THEM AND THEY HUNG UP THE PHONE, THEY HAVE POLICE REPORT SHOWING FRAUD. I CONTACTED NC CHILD SUPPORT AND TALKED TO A SUPERVISOR AND TOLD THEM HOW CAN I HAVE A CHILD WHEN IVE BEEN OUT THE COUNTRY FOR THE LAST 10 YEARS ON XXXX. 
I CONTACTED US BANK AND TOLD THEM AND ASKED FOR THE DOCUMENTS OF THE LOAN THEY SAID I HAVE AND SENT THEM A FTC REPORT AND POLICE REPORT AND THEY STATED THEY WOULD REMOVE THE FRAUD ACCOUNT FROM MY CREDIT FILE AND REMOVE EVERYTHING FROM THE TRADE LINES AND I WILL NOT BE RESPONSIBLE FOR ANYTHING.
Consumer complaint received 2024-11-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (CO)

US Bank This started in XXXX of 2024. I received an e-mail from the CDDO department with U.S. bank. CBD OC stands for consumer outreach. They requested that I fill out a form called the Beneficial Owners Certificate. I complied with their request and filled it out and sent it back to them, they contacted me and requested changes to the form. I made the changes and sent it back to them, this continued through XX/XX/year> they had closed the credit card that was associated with this business account. I went to see the branch manager to show him a letter that stated that they were going to close my accounts by XXXX the XXXX if I did not reply. And they did close the credit card on XX/XX/year>. This caused several problems for my company as I have marketing fees that are taken out along with other company related fees. The branch manager called the department CDDO and they stated that they had received the form and that we were good. After waiting a couple of days, the credit card would not work again so I went into the branch location and talked to the branch manager again and he presented me with a form that he helped me fill out that they had rejected the one I had sent in previously, and said my credit card would be opened again. 
On Monday XX/XX/XXXX I got a notice at my checking account that was overdrawn and there was no money in the account. I went into the branch and the branch manager got a hold of the department again and they stated that they had closed the account, but had determined this was a mistake and they closed it on Monday morning and opened it again with insufficient funds, and they said that they had mailed me a certified check that I would receive in a week or so. The problem is that they drained all the money out of my corporation, and I am not able to pay my bills or to pay my payroll. 
I'm still waiting to receive the certified check, there is no way to track the check or to know if it's even in on the way and I can't make payroll. When I mentioned to the branch manager that this was a concern and that I would be turning this over to an attorney, he stated that I signed a waiver that the bank could close my accounts for any reason whenever they wanted to. 
The Branch manager offered to put the funds back into the account for me from the banks general account and when I received the check I would give it to them. The Department said that they would not do this. I feel they are punishing me for making life difficult for them
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

There is an accounts on my consumer report thats not mine or no accurate and its hurting my financial health. In this against my consumer rights do to 15 USC 1681 EB Account name is XXXX # XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights I look at my consumer report on all XXXX Credit bureau XX/XX/year> and notice some things are incorrect and not accurate. and according to the fair credit report at whenever a consumer report agency prepares a consumer report it shall follow responsibility produce to assume maximum possible possible accuracy of the information concert the individual about who the report relates according to 15 USC 1681 And according to 15 USC 16 8105 they are supposed to Do this treatment of inaccuracy or unverified information.
Consumer complaint received 2021-01-04
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: DISCOVER BANK (IL)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, DISCOVER FINANCIAL SER add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.