davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-12
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. (AZ)

They are allowing illegal reporting of debt that is more than XXXX XXXX XXXX, and allowing dates to be changed to not be removed from report. Also allowing identity theft accounts be reported on credit report. They are allowing and excepting illegal activities to credit reports
Consumer complaint received 2024-01-06
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I received notice from a debt collection agency of payment due in the amount of {$700.00} for an application for apartment # XXXX at The XXXX in XXXX, Texas. I know that this apartment was applied for in XXXX of 2023 under my name and another individual 's name as both of us were notified. That person is, in fact, the person who stole my identity, using my information in hopes of qualifying for the apartment. I was informed of the situation in XXXX of 2023. I have never been to said property. I never filled out an application nor authorized that an application be filled out in my name. The same individual in question has applied for at least two other apartments in my name without my knowledge and without my permission.
Consumer complaint received 2024-04-11
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 several endeavors 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 extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$6300.00} XXXX XX/XX/XXXX
Consumer complaint received 2024-04-11
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 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 2023-05-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MN)

I had setup Venmo as a payment form on XXXX. I placed some orders, don't remember if using Venmo or not, and then a month later my Venmo account is frozen. After a lot of back and forth I got the transaction details from Venmo, spoke to XXXX customer service and XXXX could not find the transactions. I sent that document from XXXX to Venmo 2 times and was informed it was not good enough evidence. So I called the Venmo phone number, got the purchase support team and was informed by XXXX that the disputed team is email only, can not be transferred, given a phone number or even a supervisor. The disputed team is the only way to dispute something and all parts of the process. They work from home so no transfers, or lists of department numbers or personnel.
Consumer complaint received 2023-05-07
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: CAPITAL ONE FINANCIAL CORPORATION (CT)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT NAME : CAPITAL ONE XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 100 % Balance {$1200.00} Balance updated XXXX XXXX, XXXX Credit limit {$1000.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type Revolving ON THE 3 CREDIT BUREAS THE DATE OPENED /DATE CLOSED /LAST PAYMENTS DATE /AMOUNT OWED ( BALANCE ) AND ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUND FOR REMOVAL THIS ACCOUNT IS FRAUD N ACCORDING TO THE 'FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD SHALL BE REMOVED FROM THAT CONSUMERS CREDIT REPORTS WITH IN 4 BUSINESS DAYS OF THE RECEIPT OF FRAUD!!!!
Consumer complaint received 2023-05-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (OR)

My parents had a trust account with Wells Fargo, and after they passed away my sister and I were trustees on the account. All documentation was given to Wells Fargo and we were able to deposit and withdraw money with no problem. The account was eventually closed, and Wells Fargo sent me an interest check for XXXX dollars. I tried to cash the check at Wells Fargo and they denied it. The check was written in the trusts name. Wells Fargo stated that the check needed to be written in my name. I called the company and had the check re-issued but they still put it in the trust name. I have contacted numerous different officials and also have a customer service rep that will not return my calls. Therefore they have my money and they will not give it to me.
Consumer complaint received 2024-04-11
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. (WA)

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 2023-05-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX account # XXXX has violating my rights under the 15 U.S. Code $ 1681c-2 A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2018-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I used my Capital One card to secure a car rental. I rented the car for a few weeks. At the end of every week I was charged a rental fee for extending the contract. However when the rental car was returned the rental car company XXXX charged me for the full amount of the month rental although I was making weekly payments. I provided Captial One with the signed agreements they returned the fees and then recharged me thus my card that has a {$1000.00} limit currently has a balance of {$2100.00}. This has ruined my credit score. I have never been over the limit and or not paid my bill. Capital One refuses to adjust my account. I am not clear why the XXXX they would even allow a charge that is more sufficient than the limit to be authorized. I want this matter clear and my account adjusted properly.
Consumer complaint received 2023-05-09
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. (IL)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

I received a notification today from XXXX that my XXXX XXXX account ending in XXXX is delinquent, previously charge off even though monthly payments were made. This information is inaccurate as proof will indicate. 
As 15 U.S. Code 1681, Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I had got behind on my payments. When I able to make payments, I logged into the website and it states that I am in collections with XXXX and to call them at XXXX and have to make payments through the collection agency ; {$920.00} for 6 months and they are adding monthly interest of {$76.00} back to my balance. I see the payment of {$920.00} was updated to my account but my credit report shows that I have not made any payment for over 3 months. That's incorrect. 

The website states that my next payment is due on XX/XX/year> for {$120.00} which is not what was said previously. 

When I look up the debt on my credit report, it's for their previous company name, XXXXXXXX XXXX XXXX. This doesn't even match who they are now. It shows I'm in collection but it is not coming up as a collection on my credit report. They are making even more money on me by adding back interest like they are a collection company. They are supposed to be helping small businesses like myself but are inactuality making money off of us.
Consumer complaint received 2024-04-11
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. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not authorized these inquiries, I am not currently looking for credit.
Consumer complaint received 2023-06-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (WI)

I was told by XXXX XXXX that I had to purchase a 5G cell phone from their company, although I had just gotten a brand new phone. They told me my current new phone wouldnt be compatible with their 5G network. Against my will & judgement, I was compelled to purchase a phone in order to be compatible with XXXX  5G network. Over the next 6-8 months, the 5G phone they demanded I purchase in order to have service, consistently dropped calls, did not send/receive texts nor did I receive my emergency pages on my phone ( due to lack of service coverage ). I worked with XXXX XXXX IT, who told me there were no 5G towers in my home/hospital geographical location, and there wouldnt be for the next 2 years, hence the reason for lack/no service. I was forced to switch carriers in order to have cell service. I work as a first responder in a hospital setting. My phone is my pager & it is imperative that I receive all calls, pages & texts. Due to a misleading sales representative falsifying the coverage area surrounding my home & place of employment. patients lives were put at risk. At this time, I was compelled to switch carriers & purchase another new phone with the next carrier. I did not want a new phone from XXXX, nor did I feel it was necessary having just purchased a new phone. Misleading & untruthful sales representatives caused this situation and should be held accountable for their erroneous & misleading practices. I have incurrred repeated harassing calls from debt collectors due to this & feel my consumer rights have been abrogated. I am respectfully requesting that this bad collection debt be removed from my credit report as it was through no fault of my own. My credit history is superior & I do not shirk my financial obligations & responsibilities. This expense should be the responsibility of XXXX XXXX.
Consumer complaint received 2024-04-11
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. (WA)

I sent NOTICE to Transunion on XX/XX/XXXX Tracking XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXXXXXX, Transunion received NOTICE for tracking # ending in XXXX on XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX, PA, and NOTICE for tracking # ending in XXXX on XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX, PA ( View details on XXXX ). The LEGAL NOTICE advised from recent amendments as to the ( FACT Act ) XXXX that Credit reports for US BANKRUPTCY, judgments, fines and liens may no longer be permitted. This means that reports for collection purposes are only allowed when collecting on an obligation arising from a credit transaction. Transunion response did not remove the information as required by the FACT Act and sent a reply stating that Transunion verified the account to be valid. I at no time gave Transunion any permission to report this transaction and have sent several documents supporting the removal. I have also included a copy of ****Important Notice**** sent to another credit reporting agency which was posted on the XXXX from the FTC notifying of same requirements of Federal Law. See attached documents
Consumer complaint received 2023-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account Number XXXX 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 A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2023-12-27
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NV)

This debt is being reported on XXXX and is not my debt. The number to the debt collectors does not work and no proof of debt has been supplied by XXXX or the debt collectors. This is not my debt and I have request 2 times to remove this from my credit history and have not been successful. This debt is fraudulent and I have not had or signed any contract with charter communications.

Please remove this debt from my credit report. Thanks.
Consumer complaint received 2024-04-11
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. (WA)

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, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-06-19
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: Experian Information Solutions Inc. (NC)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX Balance : {$380.00} ; XXXX XXXX XXXX  XXXX Balance : {$270.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$610.00} ; XXXX XXXX  XXXX Balance : {$530.00} ; XXXX XXXX XXXX XXXX : {$4500.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$220.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (OH)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-04-07
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: EQUIFAX, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX, an order on the XXXX website was made by mistake, the order was received on XX/XX/XXXX which was canceled the next day in the XXXX store located in XXXX XXXX. The refund takes about a week because this product belongs to third parties. This purchase was made with a XXXX XXXX credit card which reported an overcoming with this purchase, this purchase was really a mistake and the cancellation was made the next day that the order was received. This transaction no longer exists on the credit card but this was reported to the credit bureau which made XXXX points down my credit score. I would somehow like to solve this situation and receive these XXXX points again and that this transaction does not affect my credit history.
Consumer complaint received 2024-04-11
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: EQUIFAX, INC. (NJ)

I am writing to formally dispute unauthorized inquiries on my Equifax credit report, which have recently come to my attention. These inquiries were conducted without my consent or authorization, and as such, I request their immediate removal from my Equifax credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically sections 609 ( a ) ( 2 ) and 611 ( a ) ( 1 ) ( A ). 


XXXX. XXXX - XX/XX/year> - I dispute this unauthorized inquiry listed on my credit report. I did not authorize or initiate this inquiry. I demand an immediate investigation into the legitimacy of this unauthorized inquiry. I insist on its prompt removal from my credit report. 

XXXX. XXXX XXXX  - XX/XX/year> - I dispute this unauthorized inquiry listed on my credit report. I did not authorize or initiate this inquiry. I demand an immediate investigation into the legitimacy of this unauthorized inquiry. I insist on its prompt removal from my credit report. 

XXXX. XXXX - XX/XX/year> - I dispute this unauthorized inquiry listed on my credit report. I did not authorize or initiate this inquiry. I demand an immediate investigation into the legitimacy of this unauthorized inquiry. I insist on its prompt removal from my credit report. 

Under Section 609 ( a ) ( 2 ) of the FCRA, consumers have the right to request the disclosure of their credit report, including the sources of inquiries made within the past two years. Upon reviewing my credit report, I discovered unauthorized inquiries that were not initiated or authorized by me. These inquiries have negatively impacted my credit score and financial standing.

Furthermore, under Section 611 ( a ) ( 1 ) ( A ) of the FCRA, consumers have the right to dispute inaccurate information on their credit reports and request its correction or removal. The unauthorized inquiries on my credit report are inaccurate and misleading, as they do not reflect any legitimate credit transactions or applications initiated by me.
Consumer complaint received 2023-06-19
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: Experian Information Solutions Inc. (FL)

I sent a letter on ( XXXX ) to remove the inacurate items that is UNKNOWN to me to bureaus. I came across the law today and according to the Per FCRA you are required to update any accounts or information not later than 4 business days after the ( XX/XX/XXXX ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX