davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-22
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 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 XXXX 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 2023-05-19
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Credit Karma (IA)

Credit karma, both money and ink which is owned by XXXX now. The constant XXXX from these financial crooks want my social security or undated info. They are constantly some pulling my credit, why? Because they are charging my estate. Trying to forcefully and with threatening tactics is breaking Consumer laws and USCode, CFR, and UCC. 
Listen banks are fraud, I know this I am no longer asleep. I took time to research and read the law. There ideal threats of closing my account I which we all know is crap. These crooks don't close them so they can like a bottom feeder, they create mirror Identity, why there are so many addresses on credit reports. This is all documented and estate records that are being obtained. The financial system is the true enemy of the Republic. Take the banking democracy and prepare. The people are awake and I educate more and more daily on my show.
Consumer complaint received 2023-05-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: CCF Intermediate Holdings LLC (CA)

My name is XXXX XXXX and im contacting you because california check cashing is a check cashing store here in XXXX  cal and i use to cash my checks there at this store until one day i went in there to get a print out of all the check that was cashed there because i was having a problem with checks being stolen out of my mail box well i got the print out from the california check cashing store and i noticed there was a check that said child support bye it well i new that i had never cashed a check there from child support i new i had never cashed one there so i asked XXXX she was the supervisor at the time and i asked her why was this check on here under my account she said she didnt know she was not the one that cashed it it was one of the other girls that work there and i told her i did not cash this check here so that means someone is coming in here and cashing my checks i asked her to please do not cash any more checks under my name she said she will make sure they dont well two weeks had passed and i went back in there to get another print out well the first time i went in there it was only one page of checks when i went in there again it was two pages of checks i was very up set when i seen the list i asked XXXX why are you still cashing checks under my name she tryed to tell me it was me i new it wasnt me becasue i hadnt got any checks to cash because they where all being stolen out of my mail box i have tryed to talk to them and they dont want to lission well i know i didnt cash thoses checks and i got copys of them and there are finger prints on them and i told the supervisor that i know im not the one that cashed thoses checks the amount of thoses comes out to {$45000.00} dollars so thats why im contacting you because this check cashing store do not ask for no id every time i went it to cash a check all i had to have was a phone number and thats what they went off of was a phone number thats how people where able to cash other peoples checks if you new the phone number to someones account them they could cash there checks and thats not how things should be this check cashing store should always ask for california id always the address is XXXX XXXX XXXX XXXX XXXX cal XXXX XXXX ) XXXX supervisor is XXXX
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have submitted disputes the XXXX, Transunion and XXXX to report the below credit inquiries that I did not authorize or recognize nor do I have any open accounts with. Please see the below : XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-19
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: DISCOVER BANK (WA)

please refer to customer complaing # XXXX providing proof that this company admitted fault in illegally denied my credit application and promising to remove it as a hard inquiry on my credit report. 

then refer to customer complaint # XXXX of me trying to resolve the issue of them refusing to resolve the problem where they responded that they have resolved which I am providing proof that they are lying on their response and have not resolved the issue as they claim and causing even more finical harm to me because of the refusal to rectify the illegal discriminatory practices.
Consumer complaint received 2024-09-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (CA)

I had open a wells fargo checking account online on XX/XX/2024 with this email XXXX and on XX/XX/2024 there an email sent to this email XXXX with the same account number but different address and phone number with a username and pin a password created that I did not do or had any access to
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

FTC Complaint : XXXX Verification User I need a letter to the FTC against XXXX for failing to provide the method of verification I have sent numerous letters requesting this in a time frame of 30 days has expired therefore I'm demanding that they removed all information pertaining to XXXX XXXX on my credit report until they can show the method of verification. I want to express that I will be willing to initiate legal proceedings for violating 15 USC 1681 section 2ai. XXXX is reporting in accurate information as it been charged off yet reporting as open and late payments in violation of the statutes 2 / 2 XXXX  [ Your Name Re : Acct # XXXX Dear Sir/Madam, I am writing to file a formal complaint against XXXX, one of the major credit reporting agencies, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and for reporting inaccurate information on my credit report. I have made several attempts to request the method of verification from XXXX regarding the information they are reporting regarding my XXXX XXXX account. However, despite my numerous letters, XXXX has failed to provide this essential information within the legally required timeframe of 30 days, as outlined in 15 USC 1681 section 2ai. 

I am deeply concerned about the inaccurate reporting of my XXXX XXXX account by XXXX. The account has been charged off, yet XXXX continues to report it as open and shows late payments, which is a clear violation of the FCRA. Such inaccurate information can have a significant impact on my creditworthiness and financial well-being. 

In light of XXXX 's failure to provide the method of verification within the mandated time limit, I am demanding that they immediately remove all information pertaining to XXXX XXXX from my credit report until such time that they can demonstrate the method of verification. This action is in accordance with my rights under the FCRA and the necessity for accurate and fair reporting of credit information. 

Furthermore, I would like to express my willingness to pursue legal proceedings against XXXX should they continue to violate the FCRA by reporting inaccurate information. It is crucial that the credit reporting agencies uphold their legal obligations and maintain the integrity of consumer credit reports. 

I kindly request the Federal Trade Commission to investigate this matter thoroughly and take appropriate action against XXXX for their non-compliance with the FCRA and inaccurate reporting. I trust that the FTC will work diligently to protect consumer rights and ensure that the credit reporting system operates fairly and transparently. 

Thank you for your attention to this matter. I look forward to a swift and satisfactory resolution. 

Sincerely
Consumer complaint received 2023-07-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX I sent in documents to report inaccurate information on my credit report. I sent in all the same documents to all 3 bureaus. I have contacted Transunion multiple times over the last 4 months. Each time I have contacted them I receive a run around. They Have told me that they haven't received any documentation which is untrue because they removed one of the accounts that were inaccurately reported. And if they removed that account that means they received all of my documentation. When I spoke to a representative in XXXX they told me they had to open up an investigation which would take 5 business days. I contacted them a week and a half later and they told me they were still investigating. Towards the end of XXXX I received documentation in the mail stating they needed my social security card to verify me. I sent that in on XX/XX/XXXX. 
I contacted them yesterday and the representative told me that there was nothing they could do and they couldn't remove any inaccurate information off of my credit report.
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have asked XXXXXXXX XXXX to verify this debt on my account since XXXXXXXX XXXX XXXX An investigation was started on XX/XX/XXXX XXXX XXXX XXXX XXXX has still refused to handle this issue. They have disregarded every right I have as a consumer. My mext steps will be legal action. The debt was deleted from my XXXX report but still remains on my XXXX and Transunion reports. Please view attachments from prior investigation. It has been over 30 and there has been no resolve to my issue yet they keep updating this account on my credit report. IF THIS ACCOUNT IS NOT DELETED IMMEDIATELY I WILL BE TAKING THIS TO COURT. 

1006.34 Notice for validation of debts.

15 U.S. Code 1692g - Validation of debts
Consumer complaint received 2023-04-26
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. (NY)

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.
Consumer complaint received 2023-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon reviewing my credit report, I observed inaccurate accounts and information that are not associated with me. I did not provide consent for any of this information to be included in my credit report, and its presence is significantly impacting my life. I kindly request your assistance in addressing this matter.
Consumer complaint received 2023-05-19
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. (FL)

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 602 A states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Ive been trying to dispute this account on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
OAG CHILD SU XXXX Balance : {$0.00}
Consumer complaint received 2023-04-26
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. (LA)

To whom It may concern Experian and Consumer Portfolio services My account is reflecting XXXX  % paid in full but you also state that there is a written off balance if an account was brought to a XXXX  balance and reflected at XXXX  % paid off how can a debt be sold to another come I have never signed with no proof of the debt was provided as well the information that is being proved to the bureaus is inaccurate and incomplete which makes this account in violation of the FCRA laws and my rights as a consumer to have accurate and complete information reported to the credit bureau not only have you violated my privacy Right you have violated my FCRA RIGHTS AND I AM DEMANDING THIS ACCOUNT BE DELTED FROM MY CONSUMER REPORT YOU ARE IN Violation of the laws by not reporting an accurate and complete credit report bc by the balance stating paid in full with a XXXX  balance
Consumer complaint received 2023-05-19
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: Resurgent Capital Services L.P. (PA)

I can't believe that I continue to deal with these issues from the credit bureaus. How is this legal? XXXX, XXXX and LVNV, all say that they have reviewed my reports, and everything is reporting as it should. Everything is accurate, no mistakes and its XXXX XXXX XXXX who owns these accounts. None of the accounts I question have any errors and it's been 100 percent verified. Well i have again more proof that I continue to collect and use for a later date if these items are not removed immediately. Account # XXXX is not only on my report 4 times from the list above. The part that stands out the most is how they all have different last active dates! How do you all have the same account that was supposed to be verified as 100 percent accurate report 4 different last active dates! Are you purposely trying to get sued for breaking the law?? 
Remove these accounts immediately from my credit profile for reporting inaccurately, failing to investigate, and falling to verify these accounts.
Consumer complaint received 2023-04-26
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. (TX)

In accordance with the fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5 U.S.C 1681 section 602 A states that 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 1681 c ( a ) ( 5 ) section states : no, consumer reporting agency may make any consumer reports containing any of the following items of information any other adverse item of information, other than records of of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C 1681 what is 1681 s-2 ( A ) ( 1 ) a person shall not furnish information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cost to believe that the info is in accurate.
Consumer complaint received 2023-04-25
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: Resurgent Capital Services L.P. (NC)

I've recently submitted an offer of performance to Resurgent Capital Services to dispute the Alledged debt for XXXX from the XXXX XXXX XXXX, current owner LVNV funding llc.They 're violating federal laws FDCPA by using false and deceptive practices. I sent notice requiring a validation of debt to the agency resurgent capital services, whereby they replied with a fraudulent notice of a verification of debt which isn't a validation of debt. I respectfully urged them to reply to the validation of debt questionaire which they failed or attempted to deceive me by answering with a verification of debt. A verification of debt is not debt validation by LAW. Furthermore they never received any consent to furnish negative information on my consumer report. I have a right to privacy which they are also violating. This is damaging my character ( defamation ) they will/shall be held liable. I have proof of what they sent.
Consumer complaint received 2023-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLIANT CREDIT UNION (GA)

Good afternoon So today I found out that my courtesy pay was taken away because I didnt meet the requirement of making XXXX or more from the previous month when I did which I have screenshots of. On XX/XX/XXXX when I called and ask the representative if I have courtesy pay she said yes but I had noticed it said in my my portal my courtesy pay was taken away because my address was not updated because of UPS. But I had got a new card send to my address on XX/XX/XXXX. Then On XX/XX/XXXX I had withdraw XXXX from my checking account and when I checked my app I noticed again it said The checking account you selected does not qualify for Alliants Courtesy Pay protection program because you have not had deposits totaling at least {$600.00} in the previous 30 days, I made a deposit of {$1800.00} on XX/XX/XXXX. Another one of {$580.00} on XX/XX/XXXX and another one of {$600.00} on XX/XX/XXXX. When I had called in and spoke to a supervisor she told me that my courtesy pay was token away because my account was in the negative for 2 weeks and I told her nowhere in the requirement does it says that or in the disclosure. The requirement for courtesy pay on the website and in my banking app states : Courtesy Pay is a non-contractual service offered and provided to Alliant members who : Are in good standing Have an Alliant checking account that has been open for at least six months and Have qualifying deposits totaling at least {$600.00} into their Alliant checking account in the previous 30 days. Qualifying deposits include direct deposit, payroll deposit, check deposit, ATM deposit, wire transfers or transfer from another financial institution There is no cost when an overdraft transaction is paid by Alliant. When Courtesy Pay is used, the full amount of the overdraft balance will be due immediately, but in no event more than 30 days after the date of the occurrence. Repeated NSF items may result in revocation of this benefit.

Please let us know if you need further assistance. 

Thank you, XXXX But in my app it doesnt says my courtesy pay was revoke because of repeated NSF or in their disclosure when opening a checking account. What does repeated means. As a meme we we should know how many times or days our account can be in a negative before our courtesy pay is taken away. Also we should get an email or text message when our account goes in the negative and get a warning that the next time your courtesy pay will be taken away. This is not included in their disclosure or on their website.
Consumer complaint received 2023-05-25
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. (CA)

I am a victim of identity theft and someone used my information to obtain a credit card with this XXXX XXXX. I have contacted XXXX XXXX and spoke to a fraud specialist that told me this account was already closed due to fraud and it should of been deleted from XXXX, Transunion and XXXX. I have also contacted these 3 bureaus and submitted my fraud affidavit for removal. The account reports as XXXX XXXX date opened XX/XX/2021 partial account # XXXX.