davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-30
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 


1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Delete this account. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Consumer complaint received 2024-06-06
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I contacted the Bank regarding a credit card that just closed on my credit file. I wanted to pay 5 months of the payments that I am behind on. I spoke with XXXX ( No ID was provided ) XXXX stated that there was a settlement available to me of 3 payments of {$1000.00} and that they would report the payments to my settlement to the credit bureau I told him that I would first need to consult with my financial advisor before I accepted this settlement and I would call back. XXXX then stated to me that I had no other choice other than to accept the settlement offer and that I can always cancel. 
He went over a few disclosures via telephone then we hung up. Immediately after speaking to XXXX I contacted my financial advisor and she immediately told me to callback and clarify that it is not my intention to settle the debt but to instead pay in full. This settlement would not on damage my credit reliability and relationship with Bank of America it will be damaging to my credit as well. I called back and spoke to several representatives they denied me to withdraw this verbal deceptive agreement. I was denied the option to do so I mentioned the conversation XXXX and I had and made it clear that he told me that I can cancel it it hasn't even been a hour since the call ended. 
I spoke to XXXX on XX/XX/XXXX which is a manager as well as XXXX which is a representative. They all told me that I could not withdraw the settlement I told them that I will not be settling I will not be forced into a settlement and I requested them to send me my payment coupons as normal and that I will be paying the card in full I HAVE NOT RECEIVED ANYTHING AS OF YET. They are denying me to pay in full.
Consumer complaint received 2023-11-16
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (PA)

This company has violated my consumer rights by placing a collection on my consumer report without validating the debt with me first as I did not endorse a contract with AMSHER. This has defamed my character by attempting to collect an alleged debt and reporting it to consumer reporting agencies. I did not give this company my information nor authorization to use my information. Additionally this is a notice to cease all communications as stated in the FDCPA which states a debt collector can not communicate with a consumer directly or indirectly on any medium. Of course that includes credit reporting since that is an indirect medium. The following is an additional federal law that they broke. XXXX. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER. Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. ( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. ( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. ( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am deeply troubled by the presence of this late payment on my account, given my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.
Consumer complaint received 2023-11-16
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. (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.

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 2018-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My wife and I had a mortgage foreclosure in XX/XX/2011. It still shows on our credit reports and should not. The sites do not have a link to ask that it be removed. I think this is deliberate, to discourage communication.
Consumer complaint received 2024-06-04
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. (TX)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following account appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX
Consumer complaint received 2024-06-04
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: EQUIFAX, INC. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

My student loan payment is due on the XXXX of each month. I paid my loan in full as I usually do ( {$120.00} ) on XX/XX/XXXX. I received notification that it was received from Mohela. A week later I got a notification that my payment was past due. I logged on and half of my payment had been reversed ( {$63.00} ), with NO NOTICE given to me, on the XX/XX/XXXX. 

I called and spoke to a rep, who was not able to figure out why that happened ( she was very nice ). I paid the {$63.00} assuming it was a one-time issue since the had just moved over to a new platform. I received notification from Mohela that my payment had gone through. 

This was on XX/XX/XXXX. 

I received another notice on XX/XX/XXXX that my account was overdue again. I logged in to pay my XXXX loan and to see what was up - and the payment from XX/XX/XXXX had been reversed AGAIN, on XX/XX/XXXX, with no notice. 

I called once again and nobody could figure out what was going on ( she was also very nice ). 

I finally removed my bank account information from Mohela ( it was linked directly ) and re-added it, and made the payment ( {$180.00} - {$120.00} for XXXX and the {$63.00} " overdue '' ). 

I have no idea if it will go through. But I physically can not make my student loan payments and Mohela can not fix the issue. 

I have had no issue until now. 

I am on PSLF and can not afford to miss payments.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a XXXX  document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-06-04
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. (MI)

I see that the same information on my credit report was incorrect. The 3 credit bureaus to validate this account. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$30000.00}
Consumer complaint received 2024-06-05
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)

I am exercising my report to have this disputed and investigated as these accounts are being reported wrongfully on my credit file. I should receive {$1000.00} for each incorrect report on my credit file based on the Fair Credit Report Act. I know that FCRA 605B requires us to report any incorrect accounts being reported on a consumer 's report.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX out of business for bad business practice. Unresponsive. No longer XXXX  accredited. Never late on payments XXXX. Paid as agreed. Proof attached.
Consumer complaint received 2024-07-09
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: ClearOne Advantage, LLC (WI)

An agreement was made between ClearOne Advantage and XXXX XXXX regarding a settlement that I agreed to. XXXX XXXX received XXXX payment, and I received a call today XX/XX/year>, inquiring where the payment is. Here is the conversation I had with XXXX : I received a call from XXXX XXXX saying they never received the payment for this month. Can you let me know where the payment was sent? 
Here is the agreement between your creditor and our negotiation team, so please ignore your creditor. They are trying to do that to try to get your payments back up. 
Authorizat ... XXXX What address did you send the check to? They are not asking for more money, they just want to know where you sent the check to. I'm curious as well. 
Please bear with me for a moment while I review your account. Your understanding is greatly appreciated. 
I do apologize, XXXX. As much as we would love to further assist you in that matter, we can not locate it here on our end. There is nothing for you to worry about. I will send an email message to our negotiator team to further assist you in this matter. 
Give me someone who can deal with this issue. The agreement with the creditor was payment a monthly payment that was agreed by me and your organization to avoid further legal legal action with XXXX XXXX. Get me someone who can find me this information Please bear with me XXXX moment while I look into that for you. 
Thank you so much for your patience, XXXX. 
To obtain the address of XXXX, kindly refer to the account statement as it contains the necessary information. 
Hello XXXX, are you still with me? 
Did you find me someone that can assist me in this matter? 
To facilitate your inquiry, please contact the following telephone number : XXXX. 

I called the number and it wants a text message sent and a reason for the call. 

The second part, was when I signed up with ClearOne Advantage, I was told I would receive savings on my debts. When the XXXX XXXX was settled, I am paying more than what the original balance is due to the fees associated with the settlement fees. How is that even possible? 

Finally, when I signed up for the program, I was informed that ClearOne would be reaching out to my creditors for a settlement. After the settlement with XXXX XXXX, they are taking all the funds from the bank account and not leaving monies in the account to make offers to the other creditors. The bi-weekly payments I agreed to were supposed to be sufficient to offer settlements to the creditors. Recently I was approached with a settlement offer but I was required to give more funs to ClearOne to make that settlement work.
Consumer complaint received 2024-07-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NY)

I filed a complained with CFPB on XXXX my TD bank about missing fund in the a mount of {$2100.00}. I got a result back that it never happen, but I want them to look back on XX/XX/year>. 
Complained id # XXXX.
Consumer complaint received 2024-06-04
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. (MI)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (MA)

XXXX XXXX XXXX XXXX XXXX, 2024 {$4200.00} XXXX XXXX XXXX XXXX, XXXX, NH, UNITED STATES XXXX Card Member : XXXX XXXX XXXX Setup in Progress Disputed Amount {$4200.00} Dispute ReceivedXXXX XXXX  2024 Ref. XXXX Dispute Reason None given Status Detail Set up in progress.

American Express is not fulfilling consumer rights and protections
Consumer complaint received 2024-06-04
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. (CT)

In the past 6-7 months, I have discovered fraudulent accounts and credit cards opened in my name, several other inquiries into my credit not made by me, and a debt collection balance not belonging to me. 

In XXXX 2023, I became aware of potential identity theft and fraud. I have reported most of these attempts as fraud to the specific companies, and I have seemingly shut down all accounts opened in my name. 

1. I noticed someone trying to sing in to my bank account several times. I reported this to my bank and have since changed the username and password. 
2. I received mail regarding a XXXX XXXX credit card in my name with over {$1300.00} spent. I reported this as fraud and the account was closed. 
3. I received a call from a XXXX ( XXXX ) regarding an overdue payment. I reported this as fraud and the account was closed 4. I received mail regarding a failed attempt to open a credit card at XXXX XXXX in my name. 
5. I received mail regarding a failed attempt to open a credit card at Target in my name Following these events, I filed at FTC Fraud report, specifically naming the XXXX credit card ( {$1300.00} balance ) and the Xfinity account created ( unknown balance ). I also generated a Credit Report using TransUnion. On my Credit Report, I discovered 2 phone numbers associated with my account that were not mine, I found what seem to several other attempts to create accounts or credit cards, and I found a balance with a debt collector. None of these inquiries or balances belong to me.

1. The following phone numbers were associated with my account despite neither belonging to me. I disputed both numbers and had TransUnion remove them. 
( XXXX ) XXXX ( XXXX ) XXXX XXXX. I still see inquiries made by XXXX  ( 1 time ), XXXX XXXX ( 3 times ), XXXX ( 1 time that is fraudulent ), XXXX  ( 1 time ), XXXX ( 1 time ), and XXXX XXXX  ( 1 time ). I am not able to dispute these inquiries. 
3. I also found a balance of {$10000.00} with XXXX XXXX XXXX, debt initially owed to XXXX XXXX XXXX. I disputed this line item, and TransUnion removed it. 

I have attached the FTC report and the two credit reports ( one with the false phone numbers and {$10000.00} debt balance, and one report after they were removed ).
Consumer complaint received 2023-04-13
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. (NC)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-10-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (CA)

XXXX has yet again sent me to another collection agency after me disputing it, the first dispute resulted in them removing the collection but have now put it back on my credit using a different company, I tried disputing it either new company called Diversified twice but they wont remove it, at first there was an amount of XXXX dollars now the amount doesnt show.