davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-22
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. (AL)

The following inquiries were not authorized by me and I have notified each credit bureau these inquiries are due to identity theft. I have sent them numerous letters to address said issue. The inquiries below were not made by ME : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Americas Car-Mart, Inc. (GA)

The account was open on XX/XX/2021 and closed out XXXX XXXX. 
The car was a XXXX XXXX which has a life time warranty on the motor and transmission. 
The motor blew up and I had it towed to Car Mart where I purchased the vehicle from. 
They kept it in the shop for over a month before telling me I had 2 choices : A : keep the vehicle and allow them to put in a used motor with no warranty at all coast to me. Which they estimated around {$4000.00} to be added to my existing loan. They where trying to gouged me. 

B : let them put me in a new vehicle, start my loan and my warranty over again. 

They assured me this would not effect my credit and it immediately dropped my score XXXX points. I need this to be deleted from my credit report asap if at all possible. It is effecting me buying a house. Thank you in advance XXXX XXXX ( XXXX )
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

My account with KOHLS/CAPONE was never late! I have had exceptional payment history with KOHLS/CAPONE a

nd 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 XX/XX/year> to XX/XX/year> 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. 


KOHLS/CAPONE 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 2024-07-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (MO)

Attempted to use my debit card from US Bank which I've had since I was XXXX. My card declined and I was not sure why. I called US Bank, and they stated my account was closed. I was not notified, I can not access my funds in the account nor pay bills due them closing my bank accounts.
Consumer complaint received 2022-02-08
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. (NY)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Consumer complaint received 2023-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

I made a {$8000.00} deposit with truist bank in XXXX ga on XX/XX/XXXX. The check was cleared on the XXXX of XXXX and the funds where made available to me. On the XXXX of XXXX my account was locked due to getting disconnected on the phone during the verification process. I was told to go to the local branch by the fraud department and they would be able to unlock my account, when I arrived at the bank the banker told me he could not help me and to ca the number that told me to go to the branch. I spoke with them and they said they should have been able to unlock my account from the branch but the bank was closed by that time. 
The next day on XX/XX/XXXX I was advised that the check has cleared and funded but I needed a notarized letter from the check sender to release my funds. The people who sent the check said they will not provide any information without showing some form of proof. The bank says they have no way to show me through email or with paper why my account is locked. The bank refuses to call and verify the check with the sender without a letter that they won't give me without proof of my account being closed due to their check because the funds are cleared in their side and out of their account. I spoke with a woman on the night of the XXXX of XXXX and she told me tongo to the branch to get the proof letter of why the account is locked as I arrive at the branch the banker tells me that they can not provide any proof to me and to call the fraud department. I called the fraud department and they told me to go the the branch again. So I'm left stuck with no funds and no solution or even proof of why my account is locked.
Consumer complaint received 2024-06-26
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. (CA)

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my accounts. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. 
Upon contacting the companies linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. 

It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report this bankruptcy. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

there is personal information- names, address, & employers as well as hard inquiries on my credit report that are being reported unauthorized, please see below Name - XXXX XXXX XXXX ( Transunion ) should be reported as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : Trans - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Employer - XXXX XXXX XXXXXXXX ( Transunion ) XXXX- XXXX XXXX ) Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-26
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)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2024-06-26
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. (CA)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AP)

Ive been in communications with ( TransUnion, XXXX and XXXX ) about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. 

This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told ( TransUnion, XXXX or XXXX ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-06-26
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. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$280.00} XXXXXXXX XXXX XXXXXXXX Balance XXXX {$1700.00} XXXX XXXX XXXX Balance : {$19000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$280.00} XXXX XXXX  XXXX Balance : {$1700.00} XXXX XXXX  XXXX Balance : {$19000.00}
Consumer complaint received 2024-06-26
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 have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-26
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller. 

Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX 
Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$630.00} ; XXXX XX/XX/2023.
Consumer complaint received 2024-07-21
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. (MI)

I am a victim of XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted immediately from my credit profile : XXXX XXXX XXXX XXXX Update to never late XXXX {$0.00} XXXX XXXX XXXX XXXX  {$450.00} XXXX Remove
Consumer complaint received 2022-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

I never had opened a XXXX XXXX XXXX XXXX  account im XXXX. I have proof I havent had an account with at $ t also I have a credit credit card on my account that I never had.
Consumer complaint received 2023-05-27
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 — Their investigation did not fix an error on your report
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TN)

I have asked to validate the accounts on my credit report from both Credit Bureaus and alleged debt collectors. I have sent letters pointing out the inaccuracies in the accounts. ( Ex : date of last activity is not consistent, account status is not 100 % accurate and some account numbers are not consistent ). The FCRA, 15 U.S.C. section et. seq. states that access to consumer credit report records and promotes ACCURACY, fairness and the privacy of personal information assembled by Credit Reporting Agencies.

This has hurt my ability to obtain credit and demand removal of accounts by the alleged collectors from my credit report.
Consumer complaint received 2024-06-26
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. (UT)

I've made disputes with TransUnion by mail for multiple bankruptcy reporting on my credit report. TransUnion has been notified about this placement on my credit report and in response TransUnion removed two. Now I don't understand how you only removed two that has no account to my address but stated that the other 's are Accurate and Verified when in fact their all the same reporting. I've submitted by mail twice already and no response. 
These agencies aren't government entities but TransUnion is acting like it's a bureau which in fact it's not. TransUnion union is a company that is supposed to follow the FDCPA and FCRA law. When did TransUnion decide their company policy trump consumer rights! Transunion is in violation of 15 USC 1681e ( b ) ,15 USC 1681s-2, 15 USC 1681 ( a ) ( 5 ) Under FCRA 611 ( 15 U.S.C. 1681i ), you're to investigate my dispute and correct any inaccuracies under 15 U.S.C. 1681e ( b ), you must ensure the maximum possibilities. these accounts are fraudulent. TransUnion refuse to disclosure their investigation procedures how these reporting are Accurate and Verified. The following accounts are/ XXXX TransUnion Bankruptcy XXXX XXXX bankruptcy filing Case # XXXX Date Filed XXXX XXXX, XXXX Status Voluntary XXXX XXXX XXXXXXXX bankruptcy dismissed Case # XXXX Date Filed XXXX XXXX bankruptcy dismissed Case # XXXX Date Filed XXXXXXXX XXXX XXXX bankruptcy dismissed Case # XXXX Date Filed XX/XX/XXXXXXXX XXXX XXXXXXXX bankruptcy dismissed Case # XXXX Date Filed XX/XX/XXXXXXXX XXXX XXXX bankruptcy discharged Case # XXXX Date Filed XXXX/XXXX/XXXX
Consumer complaint received 2024-06-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I sent XXXX payments through XXXX to someone using the money my employer sent me. Then I received a phone call from a woman who claimed to be from the State. She asked my who I sent the money to and then asked me to send her the remaining. I didnt. Then boa closed my account and claimed thats its just business reason.
Consumer complaint received 2024-06-26
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. (FL)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2024-06-26
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. (NJ)

Ive recently received a copy of my credit report and noticed several inaccuracies in unauthorized account/information reporting to my credit report. These remarks have been detrimental to my life and credit health.