davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is my several request that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you 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 information relating to any transaction by the consumer. The items are listed below : XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX, XXXX XXXX XXXX XXXX, ME XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ME XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$670.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$17000.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$500.00}, XXXX XXXX XXXX : {$190.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$1300.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00}
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (CO)

Card was deactivated after 1 day of opening an account. Could not use funds I had put on my account because my card was deactivated and PNC bank refused to tell me why my card was deactivated. Couldnt withdraw any money from an atm either and they wouldnt give me any information as to why I couldnt get access to my funds. They have my money and I cant use it.
Consumer complaint received 2024-06-09
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: SUNRISE CREDIT SERVICES, INC (FL)

I received 2 text messages from Sunrise Debt Collection with a phone number included. I googled the customer service phone number, which was a different phone number. I called the number to ask why I was being contacted by a debt collector. I cant think of any reason a debt collector would contact me. They wouldnt even tell me any details about the debt - who it was from or how much - unless I provided my social security number. I did not give it to them and asked them if I could put them on hold for a minute. They hung up immediately.
Consumer complaint received 2024-06-09
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: U.S. Auto Credit Corporation (GA)

Ive submitted a complaint already regarding the US Auto Credit account my report. It has surpassed 30 days and a resolution still hasnt reflected on my report. In fact the company is still updating the balance on the account even though I no longer possess the vehicle. This isnt even the original company used whe. I first completed the deal. I dont understand how they have the right to manipulate my credit report as if I the account is open when the vehicle has been repossessed. I believe many unlawful acts is being performed by this company and they should be investigated thoroughly and URGENTLY.
Consumer complaint received 2024-06-09
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation (SC)

Debt collection failed to provide debt validation with in 30 days. CRA failed to removed alleged debt. Requested debt verification with debt buyer on XX/XX/2024, they have not responded with stall letter and no proof this account belongs to me Amount requested is {$550.00}. Account shows inaccurate balance According to FCRA section 605B it is illegal to report information on my credit report without my permission. Please remove this from my credit report, thank you.
Consumer complaint received 2024-06-09
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (CT)

I recently reviewed my credit report and found several late payments from Santander Consumer USA with account # XXXX, the company violate the Fair Credit Reporting Act section 1637 ( b ) of this title, I am asking Santander to provide clear copies that have mailed to me or delivered not later than 21 days before the payment is due.
Consumer complaint received 2024-06-09
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Payfare International Inc. (TX)

Recently due to inflation and my need to track each and every dollar I make, there seems to be a discrepancy to my charges and balance. If a charge is pending it takes from current balance and again takes after it ends pending state. My account is deducted at time of purchase as well as later once the transaction exits pending state. My transfers pend as well. If I move a dollar amount to a goal amount or to one of my other cards it could pend. I requested twice for something's similar to an audit to my account as well as a refund. First I had the wrong department second I didnt get a response. As I continued on it literally changed to negative as soon as I used the card and my purchase was declined. Im like wait I know exactly what I made how much I spent and what very little I had left. I check the balance every time before I purchase to budget. It was little because every transaction had been deducted. This would need to be an entire review of my account because its been the entire time. It isnt till now I realized how the process took place and wasnt just poor luck. Its a fallacy on how it hasnt been processed and just use debit not charge. The option isnt always available and I shouldnt be penalized for charge versus debit when both do the same for me. This is false process because I watch it down to my last dollar and once it deposits or I transfer to another card and that doesnt happen on those accounts. Im afraid quite a bit has been stolen from me and getting a refund looks overwhelming in its feat. Hopefully this helps others who arent getting a solid trust with the XXXX card. It is required to get this card if XXXX wants to have funds available immediately as direct deposit after making it.
Consumer complaint received 2024-06-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Continental Services Group, Inc. d/b/a ConServe (NY)

On XX/XX/year>, I was notified by my bank that a negative change was reported to the three major credit agencies by Conserve ( Continental Service Group , Inc. d/b/a ConServe XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX I have never received a debt validation notice nor had any communication with this company prior to or thereafter, despite the FDCPA requirement that they must do so within 30 days of notification. Conserve continues to negatively report a balance of {$5400.00}. The FTC has held that absent actual personal notice, reporting to the credit agencies may act as notice. As such, Conserve was and is required to provide me with a debt validation within 30 days of such notice per federal law. They have not. They have continued to impact my credit without ever contacting me or providing any detail regarding the debt itself. Given the time frame that has elapsed, I wish to formally file a complaint with the CFPB against Conserve for their negative impact to my credit score, lack of notification, and the lack of validation provided that I even owe the debt. I do not know what the debt is for, where it originated, whether or not Conserve has the right or ability to collect the debt, or even how to access their platform to learn such information. Reporting information to credit agencies that Conserve does not know to be accurate and failing to report infor- mation correctly violates the FDCPA. Thank you for your time and consideration.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

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. This accounts were not verified correctly and oppened FRAUDELENT under my name. Please remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I do not know when this accounts were oppened or amounts owed or if its current. I purchased a XXXX bureau credit report and notice this fraud accounts. 

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 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 of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.SC 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 resonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXXXX/XX/XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXXXX/XX/XXXXXXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXXXX/XX/XXXXXXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXXXX/XX/XXXX 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 2023-05-04
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance {$190.00}.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I have submitted probably about 10 times now to Equifax regarding human trafficking disputes on my credit report. I mailed in the information 2 times and called them 6 times regarding this matter. They still denied me.
Consumer complaint received 2024-05-14
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. (CA)

I just recently looked at my credit report XX/XX/2024. I saw some hard inquiries that did not have permissible purpose. i also attached identity theft report XXXX XXXX XXXX XXXX XXXX This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 1681b 2. XXXX XXXX XXXX XX/XX/2024 This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 1681b
Consumer complaint received 2024-05-14
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. (CA)

I just recently looked at my credit report XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. i also attached idtheft report XXXX. XXXX XXXX XXXX XX/XX/year> This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b XXXX. XXXX XXXX XXXX  XX/XX/year> This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b
Consumer complaint received 2024-05-14
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)

I am writing to contest and to dispute the inaccurate reporting of account on my credit report. Upon contacting the company, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the accounts would be promptly updated. Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. XXXX and XXXX have already corrected the inaccuracy of the account from my report and so I request that you take immediate action to update this erroneous account. 

XXXX XXXX XXXX
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DC)

XXXX Credit Bureaus are reporting illegal unauthorized fraudulent transactions and charges from XXXX XXXX XXXX  as evidence of DC police report XXXX and other evidence investigations from, XXXX XXXX XXXX  and XXXX and XXXX XXXX investigations and XXXX reports Credit Bureaus ignoring all investigations and continue to report negative reporting on my credit reports from XXXX XXXX XXXX  illegally repeatedly to clouding with XXXX XXXX XXXX  in reporting negative on my credit reports.
Consumer complaint received 2024-05-14
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. (CA)

I just recently looked at my credit report XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. i also attached IDTheft report 1. XXXX XXXXXXXX XXXX  XX/XX/scrub>XXXX This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b 2. XXXX XXXX XXXX  XX/XX/year> This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b 3. XXXX XXXXXXXX XXXX XX/XX/year> XXXX. XXXX XX/XX/year>
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

hello, I contacted multiple times Transunion and reported fraudulent inquiries and credit open under my name. I even called the creditor and they told me this information does not match to my name and they dont know why its showing on the Trans Union XXXX I even filed the police report, which I already attached to this report. Are XXXX hard inquiries under my name which none of them had permission. 
The first account is XXXX XXXX XXXX XXXX which even I called them directly and they said the information does not match to my information and they said this is the mismatch but still showing on the Transunion information. The second account is XXXX XXXX XXXX  Which it doesnt belong to me either and it was opened fraudulently and I contact them also and they said none of the information or match to my information. And there are XXXX hard inquiries, which should be removed from my account. Please see attached police report which was filed on XX/XX/2024 on the city of XXXX XXXX, XXXX XXXX, California and the police report is XXXX XXXX : XXXX there were multiple accounts open under my name, but most of them after a couple months was removed by Transunion from my account, but unfortunately these XXXX accounts have not been removed yet.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

PLEASE BLOCKED AND REMOVED It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.
Consumer complaint received 2023-02-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-09
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. (NJ)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 10 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I think FCRA 605B requires us to delete any incorrect accounts from my credit report. Can you verify the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates being reported.