davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-23
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. (VA)

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personal, 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 with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information which directly conflicts Congressional purposes and reasonable procedures. Prove that I received a delivery of goods ; come to my home and search for the goods they say I received possessions of goods of or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15 U.S. Code 1681 c-2 ( 1 ) ( C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received a delivery of good, services and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft these accounts must be removed and blocked
Consumer complaint received 2024-05-23
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-06-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-05-23
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. (MA)

RECENTLY I LOOKED A COPY OF MY CREDIT REPORT AND NOTICED SEVERAL INACCURACES ON MY ACCOUNT. THIS ACCOUNT IS HURTING MY ABILITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESE ITEMS FOR ME TO ENSURE ACCURACY. 
HERE IS THE ITEM I AM ASKING YOU TO VERIFY AS ACCURATE. 
NAME OF ACCOUNT : XXXX CARD NUMBER OF ACCOUNT : XXXX THANK YOU
Consumer complaint received 2024-05-23
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. (NC)

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 2024-05-23
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. (MO)

This account was charged off on the following date as of XXXX since then the account has repeatedly been updated as charged off every month. This is an update in the payment. A charge off account should not include an active payment history. The inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am filing to formally lodge a complaint against XXXX regarding an erroneous account on my credit report. This complaint is made due to violations of my rights under the Fair Credit Reporting Act ( FCRA ). I have discovered that the above-mentioned account is being reported inaccurately on my credit reports from the major credit reporting agencies. This incorrect reporting has negatively impacted my credit score and caused me significant distress.
Consumer complaint received 2023-10-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

As of XXXX XXXX XXXX, amounts owed have been satisfied. I am in receipt of Copy B from the IRS and this has yet to reflect on my credit file nor have I received any documentation from CAPITAL ONE. 
Spoke with Representative on XX/XX/XXXX, they advised they still since balance due. If account was charged off, should not be reporting currently on credit file as well. 
I have also been reached by the debt collector, XXXX XXXX XXXX on behalf of CAPITAL ONE, debt has been purchased already. Several instances of committing fraud! 

I have attached the Copy B receipt from the IRS which has been paid in full and no amount is owed.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX 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 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2024-05-23
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. (CA)

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

After sending multiple letters regarding these inaccuracies on my report, these credit reporting agencies never responded or provide any resolutions. They are reporting late payment but I was never late paying for any of my account. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the FDCPA. If you are unable to provide the requested information and validation, I insist on the immediate correction or removal of these unverifiable information on my report. This account XXXX XXXX with the account number XXXX was paid in full and was never late. I am always paying on time. This should be remove on my report immediately.
Consumer complaint received 2024-05-23
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)

I am writing to follow up my previous dispute about the information on my credit report that I believe is a result of identity theft. The fraudulent accounts listed do not belong to me, and I request your assistance in Investigating and resolving this matter.
Consumer complaint received 2023-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (CA)

I signed up for a US Bank XXXX XXXX XXXX XXXX card, which advertised {$500.00} in cash back after spending {$4500.00} in 6 months. I met the spend requirements in XX/XX/2023. 

However, I never received the cash back. I asked US Bank about this, and they said they needed 30 days to look into this. The 30 days passed, and still no cash back in my credit card account.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (MN)

Checkr background Check Services has incorrect information and missing information about my criminal history. For cases that have been closed and cleared and even dismissed are showing as charges and active warrants for my arrest! 
I tried to report to them to correct the info WHICH I NEVER CONSENTED FOR THEM TO LIST ABOUT ME ANYHOW, and they have not! It is severely affecting my ability to get employed or stable housing!!! 
They also have inaccurate information and missing information regarding my drivers license status and when I first got my drivers license and when it was revoked and that it has already been past expired of the fact that I can renew it and have completed the necessary requirements to be driving again!! It started in XXXX and its been paid off and everything should be cleared! 
I have the right to travel and they are blocking me from doing that as well!
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Dispute reason failure to block under 605 B. The company said it was a misrepresentation of facts. I disputed multiple accounts and they responded back to me in less than 10 days, which was definitely not enough time to do a proper investigation. Bottom line they said I was lying about my disputes and I want to know what investigation took process for them to come to this conclusion ( TransUnion )
Consumer complaint received 2023-08-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: NRA Group, LLC (FL)

NATIONAL RECOVERY AGEN Account # XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Consumer complaint received 2024-05-23
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. (IN)

I was a victim of identity theft and I am currently in distress and suffering from anxiety because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2023-08-02
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filled in and submitted an application to open a 7 month featured CD with Bank of America on the XXXX of XXXX, 2023 for {$30000.00}. I had also filled in details of my XXXX Savings account from which the money had to be taken. The money got taken out by Bank of America on the XXXX of XXXX itself, however my CD has not been opened yet. I do not see any new CD on my Bank of America dashboard, neither did I receive an email. I keep calling them up on their dedicated line : XXXX and they keep mentioning that my application is in progress and is undergoing research due to a technical failure. I am deeply concerned as my money has been taken away and there is no news on the account opening for 19 business days now.
Consumer complaint received 2023-08-02
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: M1 Holdings Inc. (WA)

I opened a brokerage account with M1 Finance and closed it. On their platform it showed my account as closed. I was sent an email on XX/XX/23 about this account that I had closed and it now shows a balance and is reopened. M1 Finance claims that while they " closed '' it on their end, it did not close on their dependencies so they reopened it and request that I connect A NEW bank account to move the money out and contact them again to close it. If I do not take action by XX/XX/23 they will liquidate my account and charge me {$50.00}. 

This is such a short time frame to take action and requires the person affects to realize and act quickly since closing an account requires on M1 's customer support to do so. They could easily stall and wait until it's automatically liquidated. I also have checking accounts with M1 and it's not an option to liquidate my funds for some reason. This is an extremely frustrating customer experience and very, very deceitful.
Consumer complaint received 2023-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hello, I was a victim of fraud on Thursday, XX/XX/2023 where an individual asked if I authorized a transaction for a XXXX where I said no, in turn they pulled up my account and stated they needed to connect me elsewhere, so XXXX connected who claimed they were with the US Marshalls called me from a number XXXX claiming someone has been using my name to open accounts, and do illegal activity such as money laundering and drug trafficking. At this point Im scared out of my mind and unfortunately does what he says such as going to XXXX withdrawing {$500.00} of my money and placing it on a money card and giving them the card number after saying it would be used for authorization purposes for when I get a new social security number. I will be filing a police report this week.
Consumer complaint received 2019-04-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Consumer complaint received 2024-08-01
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. (CT)

15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES XXXX act
Consumer complaint received 2023-08-02
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. (VA)

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 this has violated my rights and I need it removed as soon as possible . 
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 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.