davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-30
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)

FCRA 605B, I think, necessitates the removal of any erroneous accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies in reporting, including incorrect amounts and dates.
Consumer complaint received 2019-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION (NY)

there where Fraudulent Transactions from XXXX XXXX XXXX on my Bank Account i Currently Dont Have XXXX XXXX XXXX and there where charges {$430.00} and i never did any Business with XXXX XXXX XXXX and never Purchased anything i fill a Dispute with M & T Bank for the Fraudulent Charge {$430.00} M & T Bank Still Has No Completed The Investigation and its Been Over a Month And The Dispute Was Open In XX/XX/2019 M & T Bank is Taking a very long time To Complete and The Agent From M & T Bank Doesnt Have Any Futher Information i call them the on XX/XX/2019 and said to me they dont have any information about this Dispute and it could take 90 Days.
Consumer complaint received 2023-04-14
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)

I am writing to bring to your attention an issue I have encountered with a financial institution. Specifically, I believe that the institution has engaged in unfair and deceptive practices that have harmed me as a consumer. I would like to request your assistance in investigating and resolving this matter. 

The details of my complaint are as follows. Despite my attempts to resolve the issue with the institution, I have not received a satisfactory resolution. I believe that the institution has violated federal consumer protection laws and regulations, and I am seeking your help in holding them accountable. 

Thank you for your attention to this matter. I look forward to your response.
Consumer complaint received 2024-04-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TN)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2023-12-19
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: Experian Information Solutions Inc. (TX)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and I've been receiving letters stating I'm using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I reviewed my Consumer Reports and noticed that I had a bankruptcy on an account. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account US BANKRUPTCY XXXX Please investigate and provide Proof OF BANKRUPTCY. If proof can't be provided I demand this bankruptcy be removed.
Consumer complaint received 2023-03-17
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: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX US SM BUS ADMIN XXXX XX/XX/2021
Consumer complaint received 2024-04-30
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 writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-12-19
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. (GA)

To Whom It Mav Concern.

I have recently reviewed my credit report and noticed vou have assigned the above referenced account to a third party debt collector. Since you are an organization covered under the HIPAA Privacy Rule ( and I do not recall giving you permission to release my medical information to any third party, provide me the following : A certified copy of an original contract, showing my signature, specifically authorizing the release of my medical information to a third party.

As you know, the Health Insurance Portability Act of 1996 ( HIPAA ) protects my privacy and medical information from unauthorized disclosure. Any violations of the Privacy Rule are investigated by the Office for Civil Rights ( OCR ) of the U.S. Department of Health and Human Services. If you released my medical information in eiror, and this matter Is cOITected within 30 days, there will be no reasonable cause for me to file a complaint with the OCR.

In addition, I request you contact the third party debt collector assigned this account for notification purposes. Their name and address is : ( XXXX XXXXXXXX XXXX Address XXXX XXXX XXXX XXXX Ga XXXX ). 
If you can not substantiate I authorized the release of my medical information within 30 days, and collection activity continues including derogatory reporting to the credit bureaus ), I will have no other choice but to file a complaint with the OCR against you and the third party debt collector. Thank you in advance for your cooperation.
Consumer complaint received 2023-12-19
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: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-30
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$4300.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2024-04-30
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. (NY)

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 showing on 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
Consumer complaint received 2024-01-24
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: GOLDMAN SACHS BANK USA (TX)

Seems all banks practicing the Same practice of XXXX XXXX XXXX Credit card customers who were promised rewards points and cash bonuses and failed to provide the promised rewards. Goldman Sachs the servicer of Apple Credit Card is no exception, 1st Apple Credit Card sent me an invitation to a joint card holder and they will give {$100.00} we completed the requirement and we were eligible to get the {$100.00} bonus, it took many calls and trouble tickets to get the reward. again by end of may, I got another invitation to add up to 5 participants ( Authorized users ) and each will get {$50.00}, after spending at least {$50.00} on the new card. I added 4 users, and I been calling and chatting on their app with their agents, I contacted them at least 8 times and they giving me the run around assuming I will give up, After all the fights they gave me the credit for 3 out of 4 and I still did not get the credit for the 4th person which his name XXXX XXXX its not the {$50.00}, its the pattern of misleading customer, its systematic and I am sure its widespread and I was inspired by CFPB Director XXXX XXXX. These practices are illegal and undermine customer trust. And he wants to an end to this practices across the banking system
Consumer complaint received 2023-12-01
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (MI)

XX/XX/XXXX - XX/XX/XXXX : Signed Lease with XXXX XXXX ( property owner Dart Properties ). XXXX required 30 day notice if moving out. No fee to end lease prior to XX/XX/XXXX. Lived at this property since XXXX. After XXXX year was never a fee to break lease. 

XXXX XXXX : XXXX XXXX 's management was taken over by XXXX. I believe XXXX XXXX continued to own the property though. 

XX/XX/XXXX : Received early bird renewal offer letter from XXXX. Required a commitment that will be signing new lease, had to respond by XXXX XXXX to get the " early bird '' base rent ( my lease was not ending until XXXX ). The changes vs prior lease : XXXX. Base rent increase XXXX. Stacking of new charges previously paid by XXXX XXXX XXXX. 60 day notice period when moving out. The letter specifically states " all the other terms and conditions of your prior lease contract will continue unchanged '' XX/XX/XXXX : Accepted renewal from XXXX / XXXX XXXX XX/XX/XXXX : XXXX XXXX signed and began with XXXX XXXX XXXX XXXX XX/XX/XXXX : Gave 60 day notice that I was moving out XX/XX/XXXX : Moved out of XXXX XXXX. XXXX said I owed a fee for breaking lease. 
XX/XX/XXXX : I responded to XXXX that I was disputing the fee XX/XX/XXXX : Received initial notice from debt collector for the fee. 
XX/XX/XXXX : Disputing debt and filing complaint with CFPB
Consumer complaint received 2024-04-30
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. (OR)

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 : account : XXXX XXXX account # XXXX
Consumer complaint received 2023-12-19
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. (LA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

This is a new and separate complaint about XXXX and XXXX, a fraudulent debt collection firm located in XXXX, Rhode Island. I am also making a complaint to the State of Rhode Island 's Disciplinary Board for false conduct of attorneys. 

This law firm wrongly and falsely wrote to the CFPB that a debt from Bank of America ( BofA ) and/or FIA Card Services was litigated at Washington Superior Court , Case # XXXX. The online court docket clearly shows this was a default judgment ( attached ), not a litigated judgment to decision. 

Also attached is a false affidavit from that case made by FIA that references an account ending in # XXXX, but attached to that affidavit is a BofA WorldPoints statement ending in # XXXX. XXXX and XXXX 's demand letter references the same debt ( account ending in # XXXX or # XXXX ), however, XXXX XXXX of BofA ( XXXX ) XXXX, has called me twice and admitted BofA had NO records for the WorldPoints statement and account ending in # XXXX ( and later changed to # XXXX by FIA ). No credit application with my signature, no proof of charges I made. 

While the alleged originator of debt, BofA, has admitted they have no proof, XXXX and XXXX falsely claim this office, in consultation with Bank of America, N.A., have thoroughly reviewed your account and have concluded that all charges were properly assessed to your account. 

XXXX and XXXX did not stop there. They made additional and intentionally false claims against me by attaching XXXX unrelated statements from BofA cards in years XXXX and XXXX, ending in # XXXX and # XXXX. They also falsely point to airline travel at that time and charge-offs in XXXX. What was charged off was fraudulent activity!! Nothing I personally charged. 

I am a well-documented victim of identity theft, see police reports attached. XXXX and XXXX are fraudulent debt collectors who bought an alleged debt that even the originator ( BofA ) can not prove. They continue to pursue an innocent person by MANUFACTURING alleged proof. Their letter ( attached ) is false as NO proof exists that I ever signed up for the subject BofA WorldPoints card ending in # XXXX, which account was allegedly changed to FIA Card Services # XXXX. This debt collection firm needs to have its law license revoked.
Consumer complaint received 2024-04-30
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. (NJ)

I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! TRANSUNION, XXXX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM XXXX XXXXXXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of the current address, Social Security Card, passport, Driver 's License, and Insurance Card. 

This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the TRANSUNION, XXXX, and XXXX credit report isn't accurate AND ITS XXXX  XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE TRANSUNION, XXXX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, TRANSUNION, XXXX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WIPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS, DISPUTES, COMMENTS, OR REMARKS LEFT ON THE CREDIT REPORT. 



IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES, ALL SOFT PULLS, AND DISPUTES NEED TO BE TAKEN OFF ASAP. 

15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO THE CREDIT REPORT! DELETE IT IMMEDIATELY!

POTENTIAL LAWSUITS LIST COMING 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 : Also, States A Consumer Reporting Agency Can not Furnish An Account Without Written Instructions!! 



XXXX  XXXX XXXX ACCT. # XXXX AND ALL INFO FROM XXXX, XXXX, and Transunion XXXX XXXX  XXXX XXXX XXXX AND ALL INFO FROM XXXX, XXXX, and Transunion XXXX XXXX Account XXXX XXXX AND ALL INFO FROM XXXX, XXXX, and Transunion XXXX Mutual Account # XXXX AND ALL INFO FROM XXXX, XXXX, and Transunion XXXX XXXX Account # XXXX AND ALL INFO FROM XXXX, XXXX, and Transunion XXXX XXXX Account # XXXX AND ALL INFO FROM XXXX, XXXX, and Transunion
Consumer complaint received 2024-11-19
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. (NY)

This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a a complaint because our old mortgage loan was still showing up and being reported even though it's been paid off for a while. Although, they did stop reporting and now show a XXXX  balance, the " late '' payments are still showing and negatively affecting my score. Please delete the entire account.
Consumer complaint received 2021-05-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ResidentCollect, Inc. (TX)

I received a collections notice in the mail on XXXX XXXX. The date on the letter was XXXX XXXX. The letter stated that unless I asked for validation of the debt, they would assume the debt was valid. I sent a letter on XXXX XXXX asking for validation of the debt. On XXXX XXXX I called the collection agency and explained that the 30 days to get back to me was up and the collection needed to be removed. I spoke to XXXX with XXXX XXXX. He verified with me that he received my request for validation of the debt yet refused to remove the collection even though the legal time frame for validation had expired. I called again on XXXX XXXX to follow up about removing the collection and he refused to speak to me due to him being on speaker phone which he had no way of of knowing. He then disconnected the phone call. I called back and again he refused to speak to me stating that he was on speaker but what he really heard was children in the background. I asked to speak to a supervisor due to the unprofessional like conduct from all calls, he did not transfer me to a supervisor, he sent me to a voicemail. Not only did I want to complain about his behavior, I wanted to follow up on the removal of the collection. Since I was sent to voicemail, I never got an update. I would like this collection removed due to the debt never being validated with me. The time allotted by the Federal Fair Debt Collection Practices Act has now passed. According to that act, after XXXX days with no validation, the collection agency must cease collection efforts and remove negative items.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Capital Accounts, LLC (VA)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 section 602 states that I have the right to privacy 15 usc 1681 section 604 a section 2 states it also states that a consumer reporting agency can not furnish an account without my written instructions under 15 uscs 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-04-30
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. (OH)

The department of education do not have consent to report on my credit file I would like them to remove or delete immediately. All the accounts have this as identification number on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It's been past 7 years it has been close to 15 years since I have this on my report I would like it removed. Show me a promissory note maturity date principal interest and the insurer 's signature if not deleted off my credit report. still remove.