davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-03
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. (LA)

I am a victim of identity theft and I have noticed some unauthorized inquires unverified and unauthorized items must be removed. I have listed the items I would like to dispute below.The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. 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 THIS IS DEFAMATION OF MY CHARACTER AND I WOULD LIKE ALL UNAUTHORIZED ADDRESSES AND INQUIRES REMOVED FROM CREDIT FILE. ACCORDING TO 14 U.S.C. 1681 g ( a ) ( 5 ) A CONSUMER REPORTING AGENCY SHALL NOT FURNISH TO ANY PERSON A RECORD OF INQUIRIES IN CONNECTION WITH A CREDIT OR INSURANCE TRANSACTION THAT IS NOT INITIATED BY A CONSUMER. Under section 604 of the Fair Credit Reporting Act ( FCRA ) explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request. The Bureau notes that disclaimers will not cure a failure to have a reason to believe that a user has a permissible purpose for a consumer report provided pursuant to FCRA section 604 ( a ) ( 3 ). This advisory opinion also reminds consumer report users that FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose.
Consumer complaint received 2023-12-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I received an email and letter on XX/XX/XXXXXXXX  requesting that I activate my new card and to manage reoccurring subscriptions on the same card. Subscriptions that should have ended with the card around XXXX.
Consumer complaint received 2024-08-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

Commencing on or around XX/XX/year>, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my Coinbase account to a fraudulent investment firm.
Consumer complaint received 2023-07-24
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. (CA)

To Whom It May Concern, This is a report about multiple violations of law by consumer reporting agencies such as Experian, XXXX and XXXX such as 1. 15 U.S Code 1681a ( 2 ) ( A ) ( i ) : reported information can not be only transactions and experiences between the consumer and the company. 

2. 15 U.S Code 1681a ( 2 ) ( A ) ( iii ) : the consumer must be given a chance to direct whether they want the information about a transaction to be reported or not. This is referenced in the Gramm-Leach Bliley Act.

3. 15 U.S Code 1681a ( 2 ) ( B ) : if a transaction was authorized by a social security card, the real credit card first defined understand the Truth In Landing Act, this transaction must be excluded from a consumer credit report.

4. 15 U.S Code 1681b ( a ) ( 2 ) : consumer reporting agencies need written instruction to make a consumer report by the consumer. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report.

5. 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) : Unauthorized inquiries. 

The above violations were made in relation to the following accounts and must be corrected : 1 ) XXXX XXXX XXXX opened XX/XX/XXXX 2 ) DEPT OF EDXXXX opened XX/XX/XXXX 3 ) DEPT OF EDXXXX opened XX/XX/XXXX 4 ) DEPT OF EDXXXX opened XX/XX/XXXX 5 ) XXXX XXXX opened XX/XX/XXXX illegally closed XX/XX/XXXX 6 ) XXXX XXXX opened XX/XX/XXXX illegally closed XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NE)

Visa Best Buy Credit Card. 
Purchased items in XXXX and XX/XX/XXXX. I entered automatic check payments with my credit card number in the account box, so that account number was printed on the auto payment check. I made monthly payments each and every month since XX/XX/XXXX. Citi, for some unknown reason, deposited 2 of the checks into someone elses account. It resulted in late charges and escalating my balance by over XXXX for fees, etc. I sent in the proof that I had faithfully sent in my payments, but nothing came of it, they just ignore me and keep adding fees to my bill. I've called customer service many times and still nothing gets done. I am sending in my last set of documents and if that doesn't rectify this account, I can only get legal council next. It is getting out of hand as the zero interest promotional purchase will end in XX/XX/XXXX and will then accrue back interest. They have paid the fee 's first and then apply the left over to the dishwasher promotion, so the dishwasher is a little behind in being paid off. I'm XXXX and have a limited income, but this would have been completed if they had not made so many mistakes with this account. They even charged a late fee AFTER I made a payment. Its terrible bookkeeping.
Consumer complaint received 2024-06-03
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)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name :, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2023-12-03
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)

After carefully analyzing my credit report, I noticed several inaccuracies as it relates to negative accounts, employment history, and addresses where I have never lived. I am requesting that the following inaccurate information be removed from my credit report as this is affecting my score and ability to obtain new credit with different creditors. In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and U.S. Code 168i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies shown in my report? As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of verification-Description of reinvestigation procedure. I have included documentation to verify my correct information. I thank you in advance for your prompt cooperation. Thank you.
Consumer complaint received 2024-06-04
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. (FL)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

i sent all 3 CRA 's demand letters requesting the inaccurate and incomplete items be deleted from my credit report.15 usc 1681eb states that all information has to be 100 % accurate and complete before posting. 
I am requesting the following accounts be deleted from my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-12
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. (FL)

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. 

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 has violated my rights. 

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 m
ore 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 2023-03-11
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. (PA)

15 USC 1681 there were many inaccurate accounts on my consumer report, which these inaccurate accounts are affecting my credit report I never got any validation for any of these close accounts nor for the inquiries that stated on my consumer report I was never contact by the credit agency XXXX XXXX for a reinvestigation nor the companies havent seen a written consent proof that states that these accounts belong to me a file, the FTC report as well. I stated that these accounts had to be removed. I sent letters stating the accounts that were inaccurate which they were not resolved. I also stated when I spoke to XXXX XXXX about the data breach that happened within the company that was not addressed as well. I am trying my best to be able to work with this company, knowing that I can not in trust any personal information with the company do to them, allowing my information to be leak not only I gave them a chance to be able to do the right thing and to be able to resolve the issue but they did not clear the accounts that were affected my credit report I would like proof of consent and original contract with these companies. And also I would like to know why is my credit score a different score with XXXX XXXX  and also a different score with Experian and also on the website of XXXX XXXX I would like for my credit score to be accurate and updated as well I received phone calls different companies that I never gave my information to stating that I open the business account. And also I want to add that is Experian resolve the issue with the inquiries that was found inaccurate on my consumer report data also be removed off of all other credit agencies
Consumer complaint received 2023-03-11
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. (PA)

15 USC 1681 there were many inaccurate accounts on my consumer report, which these inaccurate accounts are affecting my credit report I never got any validation for any of these close accounts nor for the inquiries that stated on my consumer report I was never contact by the credit agency XXXX XXXX for a reinvestigation nor the companies havent seen a written consent proof that states that these accounts belong to me a file, the FTC report as well. I stated that these accounts had to be removed. I sent letters stating the accounts that were inaccurate which they were not resolved. I also stated when I spoke to XXXX XXXX about the data breach that happened within the company that was not addressed as well. I am trying my best to be able to work with this company, knowing that I can not in trust any personal information with the company do to them, allowing my information to be leak not only I gave them a chance to be able to do the right thing and to be able to resolve the issue but they did not clear the accounts that were affected my credit report I would like proof of consent and original contract with these companies. And also I would like to know why is my credit score a different score with XXXX XXXX and also a different score with XXXX and also on the website of XXXX XXXX I would like for my credit score to be accurate and updated as well I received phone calls different companies that I never gave my information to stating that I open the business account. And also I want to add that is XXXX resolve the issue with the inquiries that was found inaccurate on my consumer report data also be removed off of all other credit agencies
Consumer complaint received 2024-06-01
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. (CA)

Recently I looked at a copy of my credit report and noticed several inaccuracies 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 : XXXX XXXX XXXXXXXX Acct # XXXX XXXX XXXX Acct # XXXX
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have multiple credit inquires on my credit report for starting from XX/XX/2022 to XX/XX/2022. At that time that these inquiries occurred I have a fraud alert on each of my credit reports. None of the agencies reached out to me to confirm a fraud alert was active on my account and if I authorized any of the inquiries. According to the fair credit reporting Act, you must abide by the permissible purpose provisions. I ask that each inquiry be removed or proof that each inquiry complies with the Federal Law. 

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 XXXXXX/XX/2022
Consumer complaint received 2024-06-01
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. (AL)

I want these wrong accounts on my credit file checked and fixed. According to the Fair Credit Report Act, I should get {$1000.00} for each error. FCRA 605B says to report wrong accounts on credit files.
Consumer complaint received 2023-03-11
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P. (FL)

I would like to speak with you today about an issue that has been causing me great concern. As you are aware, there is a collection account that has been reported on my credit report, and it has been causing significant damage to my credit score. However, I want to bring to your attention that this collection is not mine in the first place. 

I have been informed that this collection is related to a debt that was incurred by someone else, and it was mistakenly reported under my name. I have been working diligently to have this issue resolved, but unfortunately, it seems that my efforts have been unsuccessful so far. 

I am requesting that this collection agency remove this account from my credit report immediately. It is unfair and unjust for me to suffer the consequences of someone else 's mistake. I have been diligent in managing my finances and maintaining a good credit score, and this collection account is tarnishing my reputation unfairly. 

I understand that the collection agency 's role is to collect debts, but it is also their responsibility to ensure that they are doing so accurately and ethically. I am requesting that they take immediate action to remove this account from my credit report, and I am willing to work with them to provide any necessary documentation or evidence to support my claim. 

I appreciate your attention to this matter and hope that we can work together to resolve this issue as soon as possible To provide further context, I have been dealing with this collection agency for some time now regarding a debt that was originally reported on my credit report. After disputing the debt and providing evidence that it was not mine, the collection agency agreed to remove it from my credit report. 

However, I was shocked to discover that the same debt was re-added to my credit report shortly after the collection agency had removed it. Despite my repeated attempts to contact the collection agency and resolve the issue, they have continued to ignore my requests and add the debt back to my credit report. 

Moreover, the collection agency has been harassing me with incorrect amounts, and they have threatened to take legal action against me if I don't pay up. I have asked them to provide me with all necessary paperwork and proof of the debt, but they have failed to do so. 

In addition, the collection agency has been calling my family members, causing distress and discomfort to them as well. This behavior is unacceptable, and it is clear that the collection agency is not following the guidelines set forth in the Fair Debt Collection Practices Act. 

Therefore, I request that the collection agency takes immediate action to remove this debt from my credit report, provide me with all necessary paperwork and evidence related to the debt, and cease all harassing and threatening behavior. I hope that this issue can be resolved quickly and amicably. Thank you.
Consumer complaint received 2023-03-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rausch Sturm LLP (MA)

I keep on receiving Debt Collection Requests from Rausch Sturm LLP even after I've informed them that I never applied for any Credit Card From XXXX XXXX XXXX  nor any other credit Card. I don't even own a creit card for that matter. I have asked for additional information as well but never received them.
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to request the deletion of XXXX XXXX XXXX XXXXXXXX ( NEGATIVE account # XXXX ) from my credit report due to several discrepancies. I have disputed these errors since XXXX, and under the Fair Credit Reporting Act ( FCRA ), if they are not corrected within 30-45 days, they must be removed. Since we are well past this timeframe, I am requesting a deletion due to these errors. 

||**Credit Limit : Reported as {$7000.00} by TransUnion and XXXX XXXX but {$0.00} by XXXX. 

||**Date Opened : Inconsistent dates with XX/XX/XXXX reported by TransUnion and XX/XX/XXXX XXXX by XXXX and XXXX. I am requesting the exact month, day, and year of the date opened. I will NOT accept only the month and year. If you can not provide this information, please DELETE. 

||**Date of Last Payment : Reported as XX/XX/XXXX by TransUnion and XXXX XXXX and XX/XX/XXXX by XXXX. I am requesting the exact month, day, and year of the last payment received. I will NOT accept only the month and year. If you can not provide this information, please DELETE. 

The persistent inaccuracies and failure to correct them within the legally required timeframe constitute a violation of the FCRA. The continued presence of this incorrect information is unfairly damaging my credit score and financial standing. 

Given these points and the unresolved discrepancies, I request that the credit bureau delete the entire account from my credit report immediately. 

Thank you for your prompt attention to this matter.