davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-03
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)

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 2022-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please be advised this is has been my multiple attempt to fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT all information which can not be verified. 

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-15
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica (MO)

My acct with Direct Express was frozen on XX/XX/XXXX due to fraud, my address, phone # was changed, somebody ordered a new card, I didn't find out till I went to the ATM to make a XXXX  then I started calling to see why my card didn't work, I called everyday & all day, some nights all night, it took me 11 days & hours of waiting for an agent to tell me what happened, I spent 2more days on the phone with 8 or 9 different ppl, not one of these told me that I needed a case # before they would even look at it, I finally asked for a supv. name is XXXX, he is the one that gave me case XXXX XXXXXXXX so I followed XXXX & I was told that when my ID was approved they would send me an email within 6 hrs, waited all day & next, I never got an email telling me anything, also I was told they fees would be waved on my new card, I was charged next-day shipping twice @ {$17.00} it took 5 days to get to me, I called & they can't explain why the difference in my XXXXXXXX XXXX XXXX, i still don't have my money & I'm on fixed income, it's cost me overdrafts because of auto payments from my acct, I should not have to pay for my ID stolen
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. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-09-15
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. (NY)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2023-09-15
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: EQUIFAX, INC. (TX)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XX/XX/2022 XXXX CO XX/XX/2022 XXXX DC XX/XX/2022 XXXX  XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022
Consumer complaint received 2023-11-30
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. (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2021-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

Santander Consumer Usa date open XX/XX/2014 providing inaccurate information on my XXXX Credit report. The account does not belong to me. I have disputed several times. The company refuses to remove. This information has been deleted from other credit bureaus.
Consumer complaint received 2021-10-23
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Lendmark Financial Services (NC)

XXXX printed up a contract thats was sent up and approved by their higher ups with a lower interest rate I signed and finalized everything. They come back within minutes saying the contract was not valid this is not fair especially if a system created the contract
Consumer complaint received 2024-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Today, Bank of America ran an automatic payment to my BoA credit card from my checking account at XXXX XXXX  for {$19000.00}. This was an unauthorized auto debit that caused me to be overdrawn at my bank by {$13000.00}. And it resulted in a credit balance on my credit card at Bank of America of {$16000.00}, which should have immediately made Bank of America aware that no such auto debit was warranted. I called to advise them of their error, which they admitted was their own error, but they then refused to do anything to remedy the problem. They only offered to send me a check in 10 days, a direct deposit in three days, or allow me to apply for more credit so I could go make a deposit at XXXX XXXX a BoA service charge of {$670.00}. This is nothing short of stunning that they would ask me to apply for credit in order to receive repayment of the money effectively stolen from my bank account. I was transferred to over seven different offices at Bank of America and still received no remedy. The problems caused by taking {$19000.00} in an unauthorized manner from a consumers checking account are immeasurable. Please provide assistance. Thanking you in advance, XXXX. XXXX XXXX. XXXX
Consumer complaint received 2021-10-23
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. (NC)

I contacted Equifax in reference to some unauthorized inquiries on my report. I requested they be deleted. 
Equifax sent information back to me stating the information I disputed had been received, but failed to state they investigated and verified the results. They stated the inquiries are factual record. I would also like documentation as to how they determined these inquiries were factual record. They also stated they were results of a REINVESTIGATION, but this was the first time I had made this request.
Consumer complaint received 2024-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch (NC)

I have not gone into any contractual agreement with Helvey & Associates Inc. This is the 2nd aggressive manner in which this debt has been violating me. 1st CFPB complaint, # XXXX dated XX/XX/XXXXXXXX  for the same alleged debt. 
I am now demanding this all in writing within the next 5 business days. 

The following attached Cease and Desist needs to be adhered to immediately! 

CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX HELVEY & ASSOCIATES INC . 
XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX RE : FRAUD/AGGRAVATED IDENTITY THEFT ACCT # XXXX ( XXXX XXXX XXXX ) HELVEY & ASSOCIATES INC. is in violation of 18 U.S.C. 894 for using my consumer report with extortionate means to coerce and swindle me into making payment on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( HELVEY & ASSOCIATES INC. ) furnishing this information to my consumer report and or file. I did not give you permission or authorization to have my personal identifying information, which you ( HELVEY & ASSOCIATES INC. ) have obtained by aggravated identity theft in accordance with 18 U.S.C. 1028A. 

I am aware that my Social Security number belongs to the Social Security Administration, and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C. 8 and being that you ( HELVEY & ASSOCIATES INC. ) are attempting to collect a debt from I, the consumer. This makes you ( HELVEY & ASSOCIATES INC. ) guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C. 3729-3733. 

This is a notice to immediately CEASE AND DESIST of all illegal activities, including reporting with constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by you ( HELVEY & ASSOCIATES INC. ) into the Federal Trade Commission for aggravated identity fraud and theft. 

Failure to XXXX out the balance and remove account within 15 days from my consumer report as requested, will result in legal matters being taken and I will report HELVEY & ASSOCIATES INC. to the Federal Trade Commission for aggravated fraud and identity theft. 

If this matter is not resolved and adhered to by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you ( HELVEY & ASSOCIATES INC. ) and this letter will be tendered as evidence of failure to comply. 


Best Regards, XXXX XXXX XXXX XXXX XXXX Without Prejudice All Natural Rights Reserved Remove any and all collections and balance this alleged debt to XXXX.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act, XXXX, Transunion and XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I have asked XXXX, XXXX and Transunion to reinvestigate these accounts on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX for incorrect reporting on my credit. I have also requested for XXXX, XXXX and Transunion to remove these account : XXXX XXXX from my account due to inaccurate information. However, they have stated everything was completed and accurate. But how is this possible if these account still remain on my credit report. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that are not reporting accurate information. 

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

15U.S.C 1681 section 602A section 2 : States consumer reporting agency can not furnish an account without my written consent.

15U.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.

15U.S.C 1681c ( 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. 

Transunion, XXXX and XXXX have failed to send me an update on the dispute I submitted. I called Transunion, XXXX, and XXXX and they have declined to send me a letter providing me an update of my dispute. When I asked them what information did they request from the creditors I am disputing on my credit, Transunion response was we just go base on what the creditors send us and when I asked what the creditors sent them to confirm that account was opened by me they simply say they provide general account information, not pertaining to my dispute. When I called XXXX they provided general information on what they do on a dispute which was not helpful. XXXX have also refused to send me the letter of the status of my dispute.
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is XXXX XXXX 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 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Regional Management Corporation (SC)

This company has violated my right to privacy and has unlawfully reported inaccurate information to the credit reporting agencies. When a creditor forgives or writes off a debt of {$600.00} or more, they are required to report this amount to the IRS using Form 1099-C ( Cancellation of Debt ), and they must also provide a copy of this form to the debtor. The debtor is then required to include this amount as income when filing their tax return. 

26 U.S.C. 61 ( a ) : This section defines " gross income '' as " all income from whatever source derived, '' which includes income from the discharge of indebtedness ( i.e., when a debt is forgiven or canceled. Income can not be reported on a credit report.

o Section 602 ( a ) of the FCRA ( 15 U.S.C. 1681 ) prohibits furnishing inaccurate information to consumer reporting agencies o Section 604 ( a ) of the FCRA ( 15 U.S.C. 1681b ) states that a consumer reporting agency can not furnish information about an account without the consumers written instructions o According to 15 U.S.C. 1692c, a debt collector may not communicate with any person other than the consumer ( or their attorney ) regarding a debt without prior consent from the consumer or express permission from a court o Under 15 U.S.C. 1692g ( b ), if a consumer disputes a debt in writing within 30 days of the initial communication, the debt collector must cease all collection activities until they obtain verification of the debt and provide it to the consumer. 

This company refuses to validate any information requested. I recently reported this company they responded informing me that they sold my information to another company. Therefore I am demanding that Immediate Deletion of this account from all consumer reporting agencies and Cessation of Any Negative Reporting related to this account, including the removal of any adverse information that has been reported.
Consumer complaint received 2023-09-15
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. (MD)

This is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

This is my 19th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$860.00}
Consumer complaint received 2023-08-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (AL)

I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account ( XXXX ). I firmly believe that this decision was made in error, and I would like to appeal for a re-evaluation of my case. 

Firstly, I want to emphasize that I have always been diligent in adhering to PayPal 's policies and guidelines. To the best of my knowledge, I have not engaged in any activity that could be considered a violation of your terms of service. I have used my PayPal account for personal transactions and occasional online purchases only. 

I am kindly requesting that you thoroughly review my account activity and reconsider the limitation that has been imposed. I sincerely believe that this is an unfortunate misunderstanding, and I am confident that a second examination of the facts will reveal my compliance with PayPal 's policies. 

If there has been any issue or discrepancy related to my account, I am more than willing to provide any additional information or clarification required for the investigation process. My intention is not to cause any inconvenience, but rather to seek fair treatment and a resolution to this matter. 

In light of the above points, I kindly appeal to you to re-investigate my case promptly and, if deemed appropriate, lift the limitation on my account. I value the services provided by PayPal and wish to continue using the platform for secure and seamless transactions. 

Thank you for taking the time to consider my appeal. I trust that you will handle this matter with utmost care and professionalism. If there is any further information required from my end, please do not hesitate to reach out to me at the email address associated with my account.