davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (IL)

My funds have been locked on Binance.US EXCHANGE I have been submitting tickets to them and trying to contact them online on every single platform for the past 3 weeks I can not exchange trade withdraw or deposit I have no control over my funds what so every and the worst part is its frustrating to get a hold of them as if they dont even recognize their customers. 
They locked the account for no reason what so ever the problem is not from me its all their problem and now I am losing money and have been losing money for using their service and trusting them.
Consumer complaint received 2024-05-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2023-11-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: W&A Intermediate Co., LLC (WA)

My credit report has been hurt because of this, and I need a position and better help from XXXX since the service covers me and the charging as the report on my credit score is unfair and is prejudicial for me because they never submitted the claim through the insurance company and even acknowledge me before submitting through the collection debt company
Consumer complaint received 2024-08-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

This is an old debt from 2014, a result of theft from my XXXX. I received assistance through my case managers at the XXXX  I was residing at back then to fix this issue along with stolen checks. The company states they do not have any record and the XXXX unfortunately has no documentation saved from so many years back. Additionally, I was unaware of any lawsuit and now my bank accounts are frozen, including my children 's and they were completely wiped out. I was told there is nothing they can do and I must repay even though this account has been disputed and corrected in the past with help of family advocates and nonprofit organizations.
Consumer complaint received 2023-04-18
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 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 2024-05-14
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. (MI)

Transunion received a dispute in May of 2024 for an inquiry being reported on the credit report by XXXX XXXX. The credit reporting agency advised a copy of my social security card and other non-public information would need to be provided in order to continue the dispute process. I am aware the credit reporting agency Transunion is a non-governmental entity all of whom which I do not have to provide my non-public information to in order to dispute an inquiry. Especially being that my information was already verified on the recorded call. On another call in May of 2024 when checking the status of the dispute, the credit reporting agency informed me that fraudulent account inquiries are disputed and a copy of social security card are requested. Transunion was informed the inquiry was being disputed pursuant to, 15 U.S.C 1681 permissible purposes. Transunion has not yet updated the credit report and there has been no update to how Transunion is handling the dispute. I request the inquiry be removed and deleted from the consumer report.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

To Whom It May Concern, I am contacting you about the compromising of my social security number. I am a victim of a Data Breach/ Identity Theft. I contacted the Federal Trade Commission and filed an FTC Report which is attached. Please block and remove all information from my credit report and send me an updated copy of the credit report. Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. 

XXXX XXXX  XXXX - XXXX - Your agency is in violation! 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 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. Delete this at once! 

XXXX XXXX  - XXXX - Your agency is in violation! 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 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. Delete this at once! 

XXXX XXXX XXXX - XX/XX/2023 - I am disputing this inquiry on my credit report due to aggravated identity theft. These inquiries were opened or made without my consent using my personal information. As this is a case of identity theft, I request that these items be removed from my credit report immediately. Please provide me with any documentation you have on these accounts to assist with my investigation and report to the appropriate authorities.
Consumer complaint received 2024-05-14
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)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2024-08-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (GA)

Consumer Laws to Use to Remove Collections : Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on your consumer report.

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Collection agency is violating your consumer rights by using false misleading, misrepresentation and deceptive means.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error.
Consumer complaint received 2024-05-14
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'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I haven't missed any payments, and I urgently need your assistance in resolving this matter.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX 34 POTENTIALLY NEGATIVE MONTHS Balance details 100 % paid off Balance {$0.00} Balance updated XX/XX/XXXX Original balance {$26000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan Status Account charged off. {$25000.00} written off. 
Status updated XX/XX/XXXX Original balance {$26000.00} Monthly payment - Last payment date XX/XX/XXXX Company sold XXXX XXXX XXXX XXXX Original creditor - Comments Purchased by another XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THIS ACCOUNT DATE OPENED/DATE CLOSED/BALANCE/LAST PAYMENT IS IN ACCURATE THE ACCOUNT NUMBERS ARE INCOMPLETE THIS IS GROUNDS FOR REMOVAL. 15 U.S. CODE 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 alleged identity theft.not later than 4 business days after the receipt. 
ACCORDING TO THE " FAIR CARES ACT '' YOU ARE VIOLATING MY RIGHTS AS A PROTECTED FEDERAL CONSUMER
Consumer complaint received 2024-05-14
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. (PA)

My name is XXXX XXXX and this is not a third party filing this. The following credit reporting agencies are reporting several inaccurate late payments on my credit report. And several inquiries that I havent approved of. XXXX, XXXX and Transunion.
Consumer complaint received 2024-05-14
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. (MS)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-05-14
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)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-06-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (FL)

On XX/XX/2023 I received a letter from navy federal credit Union Stating that they denied my fruad claim for {$5100.00} Navy federal credit Union provided no explanation. Under the FCRA Upon request The creditor is supposed to provide verifiable documents regarding their decision. 

I have been notified from XXXX and the credit bureau XXXX That my personal information has been located on the dark Web. 

Navy federal credit Union is fully aware that I am a previous victim of identity theft and my account was Previously compromised Which is the reason why I have a code word to access my account via phone.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-14
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)

As per the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 ( a ), it is emphasized that consumer reporting agencies must carry out their significant responsibilities with fairness, impartiality, and a profound regard for consumers ' privacy rights. XXXX and XXXX function as consumer reporting agencies, and I, as the consumer, retain the prerogative to ensure that my private information remains safeguarded. This entitlement is reinforced by 15 USC 6801, which underscores Congress 's stance that each financial institution has an ongoing duty to honor the privacy of its clients and uphold the confidentiality and security of their nonpublic personal information. 

Entities furnishing information to credit agencies, categorized as financial institutions under this provision, are bound by 15 USC 1681 section 604 ( a ) ( 2 ), which stipulates that consumer reporting agencies can only furnish consumer reports under specific circumstances, primarily upon receiving written instructions from the concerned consumer. XXXX, XXXX, and the furnisher of information to credit agencies lack my explicit consent to provide this information, whether express or implied, hence rendering any consent previously granted null and void. 

Moreover, 15 USC 6802 ( b ) ( c ) mandates that financial institutions can not disclose nonpublic personal information to nonaffiliated third parties without informing the consumer about their right to opt out of such disclosure. However, the furnisher of information to credit agencies failed to apprise me of this nondisclosure option. Additionally, according to 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies are prohibited from including adverse information in consumer reports without authorization, contravening the law by reporting adverse items without my consent.

Furthermore, under 15 U.S. Code 1681s2 ( A ) ( 1 ) and 1681e, entities are barred from furnishing inaccurate information to consumer reporting agencies and are obliged to maintain reasonable procedures to prevent violations of FCRA sections 1681c and 1681b. XXXX and XXXX 's failure to uphold such procedures indicates non-compliance. 

Finally, as outlined in 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any time. Therefore, I hereby exercise my right to opt out of your reporting services.
Consumer complaint received 2024-08-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

There is currently a collection on my credit report for something i have no idea about. I have been trying to contact the company but got no response. Please remove this collection of {$31000.00} off my credit report before legal action is taken. I am not aware of this
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (NC)

Throughout the time frame of XX/XX/year> to the present day, your company has repeatedly contacted me, claiming that I owe a debt under Synchrony Bank account number XXXX. I do not believe that I owe this debt, and I have disputed it and allowed you appropriate time to show evidence of this debt to be valid, but you have disregarded these repeated requests to validate the debt. 

Such conduct from your company has caused me to suffer severe humiliation and embarrassment, emotional distress, and physical discomfort. You have violated 15 U.S.C. 1692 ( c ) of the Fair Debt Collections Practices Act by harassing me regarding this debt.

I demand that you cease and desist of this activity as soon as possible within fifteen ( 15 ) days from your receipt of this Notice. This includes eliminating our account from your records, discontinuing and retracting reports to any and all credit reporting bureaus, and ceasing any and all communications to us by mail and otherwise. If action is not taken by you to cease and desist within the given time frame, I will have no choice but to take appropriate legal action against your firm. I may still choose to prosecute for commercial copyright infringement for which your company is hereby liable. A copy of the invoice and other pertinent documents is attached for your records along with a Final Demand for Payment.
Consumer complaint received 2024-05-14
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)

As per the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 ( a ), it is emphasized that consumer reporting agencies must carry out their significant responsibilities with fairness, impartiality, and a profound regard for consumers ' privacy rights. XXXX and XXXX function as consumer reporting agencies, and I, as the consumer, retain the prerogative to ensure that my private information remains safeguarded. This entitlement is reinforced by 15 USC 6801, which underscores Congress 's stance that each financial institution has an ongoing duty to honor the privacy of its clients and uphold the confidentiality and security of their nonpublic personal information. 

Entities furnishing information to credit agencies, categorized as financial institutions under this provision, are bound by 15 USC 1681 section 604 ( a ) ( 2 ), which stipulates that consumer reporting agencies can only furnish consumer reports under specific circumstances, primarily upon receiving written instructions from the concerned consumer. XXXX, XXXX, and the furnisher of information to credit agencies lack my explicit consent to provide this information, whether express or implied, hence rendering any consent previously granted null and void. 

Moreover, 15 USC 6802 ( b ) ( c ) mandates that financial institutions can not disclose nonpublic personal information to nonaffiliated third parties without informing the consumer about their right to opt out of such disclosure. However, the furnisher of information to credit agencies failed to apprise me of this nondisclosure option. Additionally, according to 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies are prohibited from including adverse information in consumer reports without authorization, contravening the law by reporting adverse items without my consent. 

Furthermore, under 15 U.S. Code 1681s2 ( A ) ( 1 ) and 1681e, entities are barred from furnishing inaccurate information to consumer reporting agencies and are obliged to maintain reasonable procedures to prevent violations of FCRA sections 1681c and 1681b. XXXX and XXXX 's failure to uphold such procedures indicates non-compliance. 

Finally, as outlined in 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any time. Therefore, I hereby exercise my right to opt out of your reporting services.
Consumer complaint received 2024-05-14
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. (TN)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.