davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-18
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. (VA)

On XX/XX/XXXX, I filed a formal complaint with XXXX XXXX XXXX, XXXX regarding two unauthorized credit inquiries that appeared on my credit report. These inquiries, dated XX/XX/XXXX, and XX/XX/XXXX, were made without my knowledge or consent. Concerned about these unexplained entries, I requested proof of authorization and questioned the accuracy of the entity names listed on my report. 
In my complaint, I highlighted the critical importance of safeguarding personal information and ensuring compliance with the Fair Credit Reporting Act ( FCRA ). Given the seriousness of the issue, I escalated my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further investigation. 
By sharing my experience, I hope to raise awareness and assist others who may face similar challenges with unauthorized credit inquiries and issues related to credit reporting agencies. 
It is essential to understand that the name of a company must exactly match the name of the registrant as specified in its legal documents, such as articles of organization, articles of incorporation, certificates of formation, or charters. If the company name on a credit report or legal document does not precisely match the registered name, it may not be legally recognized as the same entity. This distinction is crucial because it can differentiate between a legally recognized organization and a nonexistent one, potentially invalidating contracts, disrupting the enforceability of agreements, and complicating legal proceedings. Ensuring the correct legal name is used, especially on consumer credit reports, is not just a formalityit is a fundamental legal requirement that protects the integrity of financial transactions and upholds consumer rights.
Consumer complaint received 2024-07-26
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: EQUIFAX, INC. (PA)

I checked my credit report and found that some of the data were incorrect. The three 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 XXXXXXXX
Consumer complaint received 2020-11-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (CO)

I have a Reliacard though US Bank that my unemployment funds from COVID-19 while I have been out of work due to the virus. Back in XXXX I tried to use my card and it would not authorize. I went on my bank account online to see why this was happening and I found ~61 unauthorized transactions on my debit card that occurred in states that I have never been to. I live in Colorado and receive my benefits here. These fraudulent transactions occurred mostly in Ohio, and Illinois. The majority of the unauthorized transactions occurred at either XXXX, XXXX, or XXXX XXXX and almost every one of them is for the amount of {$20.00}. Overall I had around {$1300.00} stolen off my card. Many of them happened within minutes of each or at the same exact time at different stores. Some of these stores hours apart but processed at the same time. The dates these transactions occurred with XX/XX/2020 through XX/XX/2020. As soon as I noticed this fraudulent activity on my card I called the bank and notified them on XX/XX/XXXX, did not use my card after that, and requested a new card in the mail. I was told there would be an investigation and it would be resolved within 90 days. Low and behold it took the approximately 85 days to send me a letter in the mail saying that they found all the transactions to be legitimate. I was blown away by this as if you look though the statement even a child would realize that there was clearly suspicious fraud activity on my card happening out of my state. I never actually lost the card so I am unsure how my information was stolen but it was. I called US bank again upon receiving their letter and told them that I was not going to accept this resolution and that I demand getting my money back as this is my unemployment only that I am living off of during these tough COVID times. A supervisor said she would send in the dispute but does not know how long it will take to get through the system again. It has been 2 weeks now since I called to dispute their incorrect resolution. I am still missing all that money and have not heard a word through phone, mail, or email from the bank. That is why I am reaching out to you to help me get this resolved.
Consumer complaint received 2020-11-10
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. (NV)

I received a copy of my credit report from all 3 bureaus after being contacted by debt collectors I had never done business with. There was a lot of accounts and other personal info on my reports that do not belong to me and I didn't authorize. I filed a police report and an identity theft report for the 2nd time because I also filed one when my wallet was stolen with my ID and other personal info inside about 10 years ago. I also submitted disputes with all three bureaus and they have not taken what doesn't belong to me off my reports.
Consumer complaint received 2023-05-12
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 — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY (MA)

During the Pandemic my wife received a letter stating that she would be let go from her job because of the pandemic, In turn I could not pay on time 4 of my accounts, from credit cards to installment accounts. I submitted prove of documentation that they can see that not only did I missed past 30 days but there after I paid them i=on time and eventually I paid them in full. I explained that this dropped my score significantly and because of it I could not afford to purchase a home for me and my family. The reason I submitted to have to negative reporting removed from my reports was because I read online that if you had difficult paying on time because of the pandemic that they would work work with you if you can provide proof of what had taken place in your life like loss of employment. I want to also let you know that they took about 6 month to respond with letters sayin that they could not help me. The Dates that I missed payments past 30 days were after the lay off.
Consumer complaint received 2023-07-17
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. (RI)

I am writing to dispute the reporting of late payments on my credit report. I believe that these late payments are inaccurately reflecting my payment history and adversely impacting my creditworthiness. I request that they investigate this matter promptly and remove the disputed late payments from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Creditor : XXXX Account XXXX : XXXX Date Reported : XX/XX/2023 & XX/XX/2023 I assert the following reasons for disputing the accuracy of the reported late payments : 1. Error in Reporting : I have thoroughly reviewed my payment records and have found discrepancies between the reported late payments and the actual payments made. I have consistently made timely payments to XXXX and can provide documentation to support this. 

2. Good Payment History : Prior to the alleged late payments, my payment history with XXXX has been exemplary. It is highly unlikely that I would suddenly deviate from this pattern without any valid reason or notification. 

3. Request for Investigation : I request that they conduct a thorough investigation into the accuracy and verifiability of the reported late payments. This includes verifying the dates, amounts, and any associated fees or charges. I also request that they contact XXXX to confirm the validity of the reported late payments.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (CA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 

Under 15 U.S.C. 1681 602 it states that I have a right to privacy.

Under 15 U.S.C. 1681 604 ( a ) Section 2 it states that consumer reporting agency can not furnish an account without my written instructions.

Under 15 U.S. Code 1666b ( a ) it states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (DC)

My truist account was taken over by somebody after my wallet was stolen and phone were stolen at an airport i reported this to truist and they did absolutely nothing XXXX was used on my card at atms and food places and they did nothing but spin me around
Consumer complaint received 2020-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX XX/XX/XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XX/XX/XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 3. Company Name : XX/XX/XXXXCARD Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX CARD Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft
Consumer complaint received 2023-11-15
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)

When I took a look at my consumer report I was shocked to find that income was reported on it. Any charge off/canceled debt is considered as a certificate of indebtness in the eyes of the IRS and it is income. The laws specifically states that income can not be reported on a consumer report. 

In accordance with the fair reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Additionally pursuant to 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 a reasonable cause to believe that information is inaccurate. As it is proven that the IRS consider these things as income making the reporting of it inaccurate, these agencies are still willfully choosing to violate federal law. On top of that, they " verified '' these accounts. I am demanding to see what methods they used to verify these accounts and I request that you mail me a copy of the complete consumer file that you maintain concerning me after you act on this dispute. Note, the term file ... means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file. If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information... including the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination.
Consumer complaint received 2024-10-12
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC (TX)

I am submitting this complaint regarding an unauthorized and inaccurate debt collection attempt and credit reporting by Jefferson Capital Systems , LLC. The information on both accounts in the amount of {$740.00} and {$930.00} are unlawful and I have never had any business relationship, contract, or agreement with this company, nor have I authorized them to use or report my personal information in relation to any alleged debt. Therefore, their actions violate my rights under the law. 

Key Details of My Complaint : -No prior business relationship : I have never engaged in any financial agreement, service, or contract with Jefferson Capital Systems , LLC XXXX There is no evidence or documentation of such an agreement. 
-Unauthorized use of personal information : Jefferson Capital Systems , LLC has accessed and used my personal information to report a debt on my credit report, which is unauthorized and unwarranted. 
-Inaccurate and misleading reporting : They are reporting an alleged debt to the credit bureaus that is inaccurate and misrepresents my financial history. 

Relevant Laws Under the UCC : Under the Uniform Commercial Code ( UCC ), certain sections highlight the importance of valid agreements and the rightful ownership of debt. I would like to reference the following in relation to this matter : 1. ) UCC 9-210 - Request for Accounting : I have the right to request an accurate accounting of the alleged debt, including proof of ownership and transfer of the debt to Jefferson Capital Systems , LLC. To date, I have received no such documentation, meaning they can not rightfully collect or report the debt.

2. ) UCC 1-201 ( b ) ( 20 ) - Holder in Due Course : Jefferson Capital Systems , LLC has not provided evidence that they are the holder in due course of the alleged debt. Without proof of such status, they lack the legal standing to collect on or report the debt.

3. ) UCC 9-609 - Secured Partys Right to Take Possession After Default : Jefferson Capital Systems , LLC has no valid security interest in my property, nor have I defaulted on any legitimate obligation to them. Their attempt to collect and report this debt is not legally justified under UCC laws.

Requested Resolution : I request the following actions from both Jefferson Capital Systems , LLC, and the CFPB : 1. ) Immediate removal of the inaccurate and unauthorized debt from my credit report.

2. ) A formal investigation into Jefferson Capital Systems, LLCs practices regarding the collection and reporting of debts they do not have a legal right to. 
3. ) A written confirmation from Jefferson Capital Systems , LLC that they have ceased all collection efforts and will not report any further unauthorized information to the credit bureaus. 

Thank you for your time and attention to this matter. I look forward to your swift response and resolution.
Consumer complaint received 2024-10-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Halsted Financial Services, LLC. (MS)

Used XXXX  to find my mom who has the same name as me, XXXX XXXX, at one point before going back to her maiden namee, XXXX. Called my elderly mom, XXXX XXXX, now XXXX XXXX, who is XXXX yrs old and preceded to yell at her demanding payment. Didn't believe they called the wrong person. Didn't believe her when she said she didn't know what they were talking about. Tried to get information out of her of where I could be reached. Made.her unpleasantly unsettled and worried. Mom called me and told me this happened on Tuesday, XX/XX/XXXX around lunchtime. 
Them this company claimed they are a dispute resolution center which when you XXXX that, comes up with a government website unrelated to them and makes the consumer scared tactics thinking it's the government. 
Then they tried to text and send emails to old phone numbers until one worked.

Nothing was ever sent to my house by US mail. I demand a letter with the ability to dispute whatever they are claiming. 

My identity was stolen previously and reported. If no notice with dispute ability is not sent by US mailed, by address on file with original creditor,, they will be ignored.
Consumer complaint received 2024-07-13
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. (SC)

This listed information should be removed from my credit report, I sent multiple disputes bureaus are not responding to my claims of inaccurate false information that cannotbeverified, The bureaus have not sent anything in response and have to provided any propervalidation.
Consumer complaint received 2023-11-16
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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
Consumer complaint received 2024-10-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC (CA)

I purchased a bracelet from XXXX XXXX and they or Acima never said it was a lease, my bank rejected a payment as a suspicious transaction and Acima charges XXXX for NSF, I contacted them and said sorry nothing we can do, tried to email proff of funds and all my emails for two consecutive days go to queued I explained to Acima customer service and said sorry nothing we can do over a phone call and cat bot. The piece I bought from XXXX was XXXX and it'll be in 1 year worth of payme ts XXXX plus and every payment there's an extra TAX charge, I asked customer service for this tax and they said it was a lease not a purchase and never disclosed interest rate nothing, it was time to close at XXXX XXXX and was still inside the store trying to make a payment to make the sale but never did they mentioned the merchandise was a lease. I told the customer service lady that this transaction was illegal she was ok but nothing she could do. 
So BEWARE OF ACIMA people XXXX will convert to XXXX in just a year and we used to complain about car dealers THIS PEOPLE ARE ADVANCE THIEVES
Consumer complaint received 2024-10-22
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (OR)

I moved out from XXXX XXXX XXXX XXXX near XXXX, XXXX in XX/XX/year>. My lease was not up until XXXX. I had remained current on my rent throughout the pandemic, but needed to move due to financial circumstances. Even though XXXX XXXX ( XXXX owned property ) rented my unit immediately for more rent than I was paying, they wanted me to pay an early termination charge. Oregon law protect tenants in most cases if the landlord rents the unit and does not suffer loss. They also withheld my security deposit and charged cleaning fees, which Oregon law prohibits. I was discussing this with XXXX XXXX and XXXX. They stopped communicating with me. I never received a bill from XXXX XXXX, only a statement of charges that was being disputed. The statement did not read as a bill and had no due date on it. I received no bill or demand of payment. The account was sent to XXXXXXXX XXXX, who never contact me or sent me a bill. I believed the issue had been resolved. It turns out the XXXXXXXX XXXX  sent the alleged debt to Genesis Credit Management who held the alleged debt for a year, before sending it to their own collection agency, Columbia Debt Recover. Genesis never contacted me or sent me a bill. Columbia also never contacted me to advise me of the alleged debt. I only discovered this from my credit report recently. My credit is affected by late payments and a collection on an alleged debt that I didn't know about. The three companies involved are XXXX XXXX , Genesis Credit Management, and Columbia Debt Recovery.
Consumer complaint received 2024-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

Hi, I initiated an international transfer to my mom on XX/XX/XXXX of XXXX from HSBC premier checking account with all fields being correct ( i have a screenshot ). The transaction appeared on my checking on XX/XX/XXXX. On XX/XX/XXXX I received email asking for additional information ( all fields are the same as XX/XX/XXXX ) with the recipient name being correct and i replied all information asked by repeating my answer on XX/XX/XXXX. 

However, on XX/XX/XXXX i received a second email from hsbc asking for additional information with recipient name wrong. 

From XX/XX/XXXX to XX/XX/XXXX, i have called hsbc over 7times and each time they told me their transaction team would call me back for an update but they never called. I can only talk to customer support with limited information.

So far my money has not left HSBC for almost a month ( based on info from hsbc costumer support ) Please help. Thank you