davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Synovus Bank (GA)

I recently reviewed my credit reportXXXX and noticed an account that was not reporting accurately. I had one late payment on two separate accounts XXXX & XXXX that was certainly paid on time. 

The consumer reporting agencies need to report all information with complete accuracy. 

These accounts have not been late. Ive attached a copy of my report to the complaint of the following date XX/XX/year> I am requesting you to investigate this account and update these payments to paid on time immediately. 

Thank you for your understanding.
Consumer complaint received 2023-04-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-06-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Crown Asset Management, LLC, Duluth, GA Branch (OH)

Having my wages garnished from my place of work XXXX XXXX XXXX XXXX XXXX By a " Crown Assets LLC ''. All I was given was a phone # XXXX # lead nowhere. Had to do own research. Contacted Crown LLC, they asked for FULL SSN. I asked if they could look up by the last XXXX digits, was told no. 

Contacted Court from where it would of been filed. Court found NO cases tied to a " Crown assets LLC '' Pay Cycles and Garnishment amount XX/XX/year> - XX/XX/XXXX for {$190.00} XX/XX/XXXX - XX/XX/XXXX for {$180.00} XX/XX/XXXX - XX/XX/XXXX for {$190.00} XX/XX/XXXX - XX/XX/XXXX for {$190.00} total {$760.00}
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BMW Financial Services NA, LLC (FL)

This is my complaint to BMW FINANCIAL SERVICES for taking no action on correcting and removing the fraudulent accounts including the unauthorized inquiries that are still reflected on my credit report and continue to damage my reputation. I sent out several dispute letters but until this time no further action has been taken. I have attached my FTC reports with report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Consumer complaint received 2024-05-28
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. (CA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX : {$1300.00}
Consumer complaint received 2024-05-28
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. (CA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX : {$1300.00}
Consumer complaint received 2024-08-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (MN)

My wife signed up for a free subscription and it wasnt what she thought it was so she cancelled the subscription right away before I could be charged but somehow they still had our banking information and charged us for something we literally canceled while on the free trial period on XX/XX/2024 in the amount of XXXXXXXX XXXX
Consumer complaint received 2024-07-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CA)

My Marcus account got locked after I tried to transfer money to a new savings account I made with XXXX. They told me to call back, which I did, in which they said they could not verify my identity and needs 3-7 business days for them to call me back. I have credit card and mortgage payments associated with this account and can not wait that long for them to do so.
Consumer complaint received 2024-07-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TD BANK US HOLDING COMPANY (TX)

I am writing to express my dissatisfaction with the handling of my recent payoff transaction. On XX/XX/year>, I sent a payoff check via USPS First Class Mail to the designated address for payoff checks. The USPS First Class Mail Service Standards indicate that the payment should arrive within XXXX calendar days ( XX/XX/year> ) when mailed from the XXXX Zip Code. XXXX However, the payment was not posted until XX/XX/year>, which resulted in additional interest accrual. 
Certain regulations require financial institutions to credit payments on the day of receipt. Specifically, the Consumer Financial Protection Act ( 1026.10 ( a ) ) mandates that payments received by mail should be effective on the date of receipt. 
Additionally, the CFPA prohibits Unfair, Deceptive, or Abusive Acts or Practices. A reasonable consumer would expect creditors to maintain practices sufficient to receive consumer payments and document the date of initial receipt from the USPS. 
As such, I kindly request that you provide evidence confirming the actual date of payment receipt. 
Due to the delay in processing, I incurred additional interest charges from XX/XX/year>, until the payoff date. This delay has caused financial harm, and I expect TD Auto Finance to rectify this situation promptly.
Consumer complaint received 2024-05-28
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)

Under the FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy its been over 30 days with the dispute they have Violated my rights and I would like these deleted. I advised you that I did not give the company authorization to pull my credit report, but they have verified it. 
My rights have already been violated please help me remove these inquiries. 

XXXX XXXX : Account number : XXXX, How did you verify this account. I see this account is still not remove. Please delete. 
XXXX | XX/XX/2023 : Account number : N/A, How did you verify this account. I see this account is still not remove. Please delete. 
XXXX : Account number : XXXX, How did you verify this account. I see this account is still not remove. Please delete. 
XXXX XXXX : Account number : XXXX, How did you verify this account. I see this account is still not remove. Please delete.
Consumer complaint received 2024-05-28
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)

I am writing again to express my confusion regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. 

As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding these fraudulent accounts. Following this submission, XXXX and XXXX have removed these accounts from their records. 

I have also directly contacted the company associated with these accounts, and they have confirmed its removal. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. 

It is crucial to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm. 

I request that you promptly eliminate these accounts from my credit report, in line with the actions taken by other credit bureaus. Failure to do so will leave me with no choice but to pursue legal action. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX.
Consumer complaint received 2024-05-25
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. (NY)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX Balance : {$7100.00} XXXXXXXX XXXX XXXX Balance : {$7900.00} XXXX XXXXXXXX Balance : {$4700.00} XXXX XX/XX/year>
Consumer complaint received 2021-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RSI Enterprises, Inc. (AZ)

I have an old account with RSI enterprise that was opened on XX/XX/2019 in which I never received a bill. No one tried to contact me or let me know that I owed on this account. I called them when I noticed that my credit score had dropped. They then told me that I owed on an old account. I asked them which address they were sending the bills to and it was not an address in which I had resided at. I agreed to pay the debt if they deleted the collection record which they did not. I am now trying to purchase a home and this derogatory mark on my credit is have a negative impact on my credit score.
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: EQUIFAX, INC. (NY)

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 XXXXXX/XX/XXXX
Consumer complaint received 2024-05-28
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)

I recently reviewed my TransUnion credit report on XX/XX/2024, and identified several items that violate my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The accounts listed below have been reported inaccurately and/or without proper authorization. Therefore, I am requesting the immediate removal of these accounts from my credit report : XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXXXXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX , Account # XXXX XXXX, Account XXXX XXXX XXXX, Account # XXXX XXXX XXXX Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX Account # XXXX XXXX XXXX, Account # XXXX According to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 ( e ) ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. Additionally, under 15 USC 1681 ( i ) ( 5 ), when information is found to be inaccurate or incomplete or can not be verified during a reinvestigation, the consumer reporting agency must promptly delete or modify that item and notify the furnisher of the information.

Moreover, according to 15 USC 1681s-2, furnishers of information are prohibited from providing information to consumer reporting agencies if they know or have reasonable cause to believe that the information is inaccurate.

Given these provisions, I am requesting that TransUnion promptly delete the above-listed items from my credit report. Failure to comply with this request may result in further actions to ensure my rights are protected.

Please confirm in writing that these items have been removed or corrected as appropriate.
Consumer complaint received 2024-05-28
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. (NY)

I recently acquired a copy of my credit report from your bureau and am disputing the accuracy and completeness of the following information. This incorrect information is damaging my credit report, and I request an immediate correction. The details in question is as follow : XXXX XXXX XXXXXXXX. 

I assume 30 days is a reasonable time frame for your investigation. After completing your investigation, please provide me with an updated credit report and the names, addresses, and telephone numbers of the individuals contacted.
Consumer complaint received 2024-05-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.
Consumer complaint received 2024-05-31
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. (MA)

Ive recently received a copy of my credit report and noticed several inaccurates and unauthorized accounts/Information reporting to my credit report. These remarks have been detrimental to my life and my credit health.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. XXXX the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-28
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)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

I have been monitoring my account for the past two years and then unfroze the sub credit bureaus after all investigating on my part was done to correct anomalies and incorrect information. I found out I am locked out of my online Experian account. The verification process always ended unsuccessfully and there is never an actual person you can speak to on the phone like there used to be where you can capture a live picture of the front and back of your drivers license and proceed from there. Finally, I was able to obtain a mailed copy of my Experian Report # XXXX for XX/XX/year> and # XXXX for XX/XX/year>. I saw the last four digits of my phone number had been changed somehow, yet my correct phone number is also listed and not allowed via Experian 's text # XXXX feature which is a major verification issue. No push notifications are coming through to my correct phone number. ALSO, last summer, Experian held my credit score hostage with a " upgrade to refresh your score '' upgrade membership notification. I did not get an updated credit score for months after I unfroze the sub bureaus.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

Name of Account : Account Number : Provide Physical Proof of Verification : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account * NOTE : Please also remove all non-account holding inquiries over 30 days old.
Consumer complaint received 2024-05-28
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 have tried over eight times to resolve this matter with all three credit reporting agencies none of which I have been successful with. For all the accounts list below, I have asked for validation of debt along with the original agreement and original ID and his original signature to validate that that was mine because these accounts are not mine, nothing has been provided for me at all, this is my request. This is wrong and this is fraud. This has impacted my daily living, along with my work and being able to be mobile Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX RE : Accounts XXXX XXXX  XXXX # XXXX XXXX Closed ) XXXX XXXX XXXXXXXX XXXX # XXXX ( Closed ) XXXX XXXX XXXX # XXXX ( Closed ) XXXX XXXXXXXX XXXX # XXXX ( Closed XXXX XXXXXXXX XXXXI # XXXX ( Closed ) XXXX XXXXXXXX XXXX # XXXX ( Closed ) SXXXX XXXX XXXX XXXX XXXXXXXX ( Closed ) XXXX XXXX # XXXX ( Closed ) XXXX XXXX # XXXX ( Closed ) XXXX XXXX XXXX XXXX # XXXX ( Collection ) XXXX XXXX XXXX # XXXX ( Debt Buyer ) XXXX XXXX XXXX XXXX XXXXXXXX ( Debt Buyer XXXX XXXX & XXXX # XXXX ( Collection ) I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ). 
I am NOT requesting a verification but I am requesting for validation. I request that your office provide me with evidence that I am obligated to pay you. 
Please provide me with the following information : State what the money you say I owe is for How did you come to determine that amount Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe Show me the proof that you are licensed to collect in my state ; provide your license number Provide me with proof that the statute of limitations have not expired A valid, legible copy of the agreement stating the debt and interest charges If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report. Also, all future attempts to collect this debt must stop. 
Thank you,