davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-19
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. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAN 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX Account Type : Revolving Revolving Account Type - Detail : Credit Card Credit Card Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XXXX XXXX  Balance : {$940.00} {$940.00} No. of Months ( terms ) : 0 0 High Credit : {$940.00} {$0.00} Credit Limit : {$600.00} {$600.00} Past Due : {$940.00} {$940.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XXXX XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor. 
Date Last Active : XXXX XXXX Date of Last Payment : XXXX XXXX XXXXwo-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion 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  RESPONSE DISPUTE 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 federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-08-04
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)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$350.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$16000.00}.
Consumer complaint received 2023-07-19
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: Experian Information Solutions Inc. (GA)

I complained about XXXX, EXPERIAN, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and stated that all companies are violating my rights to privacy, including transaction history, reporting inaccurate and outdated information such as old addresses, phone numbers, emails and employers. I have inquiries that I did not authorize, there was no permissible purpose. The banks have violated my consumer rights by sharing my non public information with non affiliated companies such as credit reporting agencies. ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. 
( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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.

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 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Credit Reporting Issue XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX  XXXX Incorrect Charge-Off Entry on Credit Report I am writing to file a complaint regarding an incorrect charge-off entry on my credit report associated with account number XXXX reported by XXXX. This entry is erroneous and does not accurately reflect the status of my account. 

Account Information Account Number:XXXX XXXX XXXX XXXX The charge-off listed for this account is inaccurate. The account was charged off and subsequently sold to XXXX XXXX XXXX. Despite this, the charge-off entry remains on my credit report. According to the Fair Credit Reporting Act ( FCRA ), credit reports must be accurate and complete. Under Section 1681i of the FCRA, when a consumer disputes the accuracy of information, the credit bureau must conduct a reasonable investigation and correct any inaccuracies. 

2. The collection account associated with this account was ceased by XXXX XXXX XXXX on XX/XX/year>. As a result, the collection account should no longer appear on my credit report. Section 1681c of the FCRA requires that once an account is resolved or ceased, it should be updated or removed from the credit report to ensure accuracy. 

3. Given that the collection account has been ceased and the charge-off entry is inaccurately reported, I have requested that the charge-off entry be deleted from my credit report. I have provided documentation supporting that the collection account was ceased and that the charge-off entry is incorrect. 


I have enclosed copies of the following documents to support my claim : - Records showing the account was sold to XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX - Statements or any other relevant documentation verifying the ceased status of the account -A screenshot of the account on my Equifax Credit Report I am requesting the CFPBs assistance to ensure that the erroneous charge-off entry is investigated and deleted from my credit report. I would appreciate prompt action to resolve this matter and correct the inaccurate information on my credit report. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Consumer complaint received 2015-11-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Commercial Recovery Systems (MI)

XX/XX/XXXX I filed bankruptcy however, XX/XX/XXXX I started getting phones from Commercial Recovery Systems telling me they was trying to collect debts on XXXX accounts from XXXX that were included in my bankruptcy. Well these calls where by far normal debt practices they was harassing and threatening. They was calling me all hours and my work. Causing emotional and stress not only calling me but my father. You will see I filed a law suit and I recently see the FTC has a law suit against them.
Consumer complaint received 2024-08-21
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. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) remove from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXXXXXX
Consumer complaint received 2023-07-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (NY)

Hello, My father passed away in XXXX of 2023. He had a trust, of which I am the sole surviving trustee. He had a checking account in the name of the trust with Truist bank in XXXX, FL. I currently live in NY, so I made several calls to Truist in advance of a trip to Florida in XXXX to gather whatever paperwork and information I would need to transfer ownership of the account. The branch manager assured me she told me what I needed to resolve this transaction within the week I was in Florida. 
It's now XXXX and and continue to try to resolve this with Truist. The branch manager that I met with was totally incorrect with everything she had told me, and we could not transfer ownership during the visit in XXXX. I had to continue to try to resolve this via phone, email, and mail, but the bank / manager would not return phone calls or emails. I had to contact Truist on several occasions, and even though the trust paperwork was all in place and accepted by all other financial institutions, Truist would not accept the trust and made me get a letter of opinion from an attorney to settle the trust. After over a month and a half of back and forth, the account was finally transferred to my name. 
Now I am trying to close out the account and withdraw the funds. This effort is even more frustrating than the transfer of ownership. The account is now in my name but Truist refuses to close the account and send me the funds. I had to complete an entire new set of forms, get them notarized, and send via registered mail to an office in XXXX, TN. After several calls after receiving notification that the paperwork was signed for by Truist, I kept getting the runaround about needing to wait XXXX business days before they would process the paperwork. It's now been a month, and after talking to supervisors at Truist on several occasions, they now tell me my paperwork is missing due to the XXXX office closing and all business being transferred to an office in XXXX. This is absolutely unacceptable and, if it weren't a serious matter, would be comical. The incompetence and lack of customer service at Truist is ridiculous. I'm obviously getting no resolution from the bank, so I'm trying to file this complaint. How can a bank refuse to let me access my own money? This requires an investigation by a governing body.
Consumer complaint received 2023-08-04
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: EQUIFAX, INC. (TX)

This is my several 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  XXXXXXXX XXXX  TX XXXX XXXXXXXX  XXXX Balance : {$4300.00} XXXX XXXX Balance : {$730.00} XXXX XXXX  XXXX Balance : {$5400.00} - XXXX XXXX XXXX XXXX Balance : {$9900.00} XXXXXXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$400.00}
Consumer complaint received 2023-08-18
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)

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX Balance Owed : {$2500.00}, MXXXX XXXX Balance Owed : {$880.00}
Consumer complaint received 2023-08-18
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: Experian Information Solutions Inc. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-04
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: Fidelity National Information Services, Inc. (FNIS) (OH)

I sent multiple Letters but my Dispute is still unheard i dot not receive any responses about my dispute. You have thirty ( 30 ) days from receipt of this notice to respond. The Accounts are Listed Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-04
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MN)

XXXX XXXX I called USAA Savings Bank for information on fraudulent activity on my bank accounts. I reported that I received calls and security codes on my phone from USAA. They stated that they made no calls and immediately closed my banking services and exercised their right to do any future banking with me. 
I appealed several denials to investigate and restore my service. In one of the calls I made to USAA to find out what was going on, a banking representative stated that I was denied banking due to a report I made to them in XXXX stating that I had been defrauded in romance scam. I immediately appealed that this report was fraudulently made and authenticated by USAA who may have given access to the imposter to my account and banking profile. I asked for the date and transcript of the call and received no response. I did however transaction by transaction contest all unauthorized transactions made to my accounts. Within 7-10 days there was a statement from USAA making permanent credit reversal of most transactions. As far as I am aware USAA did not reverse an unauthorized transaction to my account made in XXXX on my ATM. I was not in XXXX, had possession of my ATM card and did not authorize the small purchase. It may be somehow due to USAAs compromise of my account, cards issued and profile in XXXX. 
I was a 30 year banking client of USAA with a very good record. Today all my personal identity information except my passport have been compromised. I have taken all steps within my power to protect myself. Due to this situation, I will have to engage services to audit my credit and accounts for the rest of my life. I would like USAA to be transparent and held accountable for any breach they caused which has resulted in my identity theft, whatever is deemed appropriate. 
Thank you for your time & effort. Please call or email for any questions. 
XXXX