davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-08
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. (MI)

On XX/XX/2024 I received a notification asking if I want to sign up for their XXXX XXXX account. Said it was no credit check and that it would post to my account within 4 days and that most people see a average XXXX score increase. Well Two days after two accounts appeared on my report backed dated from XXXX years ago. One was a collection account that I have never heard of. I filed a complaint with the XXXX and the Agency listed for that one. I dont not have a contract with XXXX XXXX XXXX  nor do I owe them anything. I asked that this account be removed from my report. These accounts are not listed with any other bureau, and it only happened after I signed up for their XXXX XXXX XXXX account. I tried submitting a dispute with TransUnion directly. Below is attached documents of their response stateing that the completion date of my disputes are XXXX and that they were submitted on invalid dates. What is an invalid date? A FTC report has been filed as well.
Consumer complaint received 2024-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (NY)

On XX/XX/year> I've contacted US Bank customer service over the phone requesting to update billing address on the business checking account associated with company A XXXX XXXX XXXXXXXX, XXXX. We've recently changed our registered agent ( which reflects the change on the SOS with XXXX XXXX XXXX ) and in order for the account to stay up to date the phone call to US Bank has to be made considering the fact the US Bank doesn't give consumers the opportunity to update billing information online on their own in 2024. After being transferred to customer service representative who wasn't able to assist ( due to having a business debit card associated with the account and therefore not having a PIN - we didn't request one in a first place ) the customer service specialist wasn't able to provide assistance. When requested a supervisor to step on the line, was placed on a 'death loop ' waiting line holding for almost 20 minutes.
Consumer complaint received 2024-05-21
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (NC)

loan was taken out in XXXX and it was super expensive XX/XX/year> XXXX # XXXX Dear XXXX XXXX, Thank you for your communication. As requested and agreed, on XX/XX/year> you authorized us to process a one-time payment from your debit card ending in XXXX for {$690.00} for the remaining balance on your loan. Once this payment posts and clears, your account with Big Picture Loans will be marked as paid in full. * Please allow XXXX business days for your account status to be fully updated. Its been a pleasure having you as a customer. If you need us in the future, please contact us. 

Thank you, Customer Support Big Picture Loans XXXX
Consumer complaint received 2024-01-08
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-08
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)

This is my numerous Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block the accounts 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. 
XXXX XXXX XXXX Balance : - XXXX XXXX Balance : - XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance {$590.00}
Consumer complaint received 2024-05-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (PA)

I mailed Genesis Credit Management a Debt Validation letter on XXXX I checked the tracking on XX/XX/ and the post office is returning the mail due to their XXXX XXXX being vacant. Now when I check checked my XXXX report to write them a dispute XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX is listed on my credit report as their address. Please see attachment. So I wasted my my hard earned money on mailing a letter to this company that claims I owe them money. I never received the paper in the mail that statesI can dispute the alleged debt. Please see all attachments
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAINE & WEINER COMPANY, INC. (IL)

I was contacted by Caine & Weiner by phone on or around XX/XX/2024. I explained that I noticed they were reporting to the XXXX a dent in the amount of {$370.00}. I requested the purchase agreement between them and XXXX and their debt XXXX license. They assured me that they would in fact be removing this account from my credit report as a XXXX time courtesy. As of XX/XX/2024 this account is still reporting.
Consumer complaint received 2024-02-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (OR)

Asking for validation of debt and verification of debt be provide as i dont recall this debt. I have email them with request for more documentation but I have received no communication. Need all documentation in order to be able to verify if this is debt is valid and lawful.
Consumer complaint received 2024-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (MS)

I ask my bank cash App to block A merchant and they told me that they were block and afterward I noticed that there were charges from the merchants and that there wasnt supposed to be any and that I wanted my money back and that it is the fault so they needed to handle it and they refuse to do so and also refused to clarify or discuss it any further and cute off about it altogether which is not acceptable even when they were in the wrong and allowed the transactions after they blocked them upon my request weeks prior to the matter at hand and they have causing me hardship and hendering me from getting myself food to eat and water to drink
Consumer complaint received 2024-01-08
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, along with the Privacy Act of 1974, the accounts and inquiries listed below have violated my federally protected consumer rights to privacy, confidentiality, and accuracy of reported information under 15 U.S.C. 1681 and 15 U.S.C. 1681b. 

Accounts ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX I never expressed a written or verbal consensus authorizing TransUnion Credit Reporting Bureau to publicly report my personal information per 15 U.S.C. 1681b and 15 U.S.C. 1681 nor did I receive a request to confirm that the data shown on my credit report is accurate per 15 U.S.C. 1681. This is an infringement upon my identity, privacy, protection, and rights. 

The Privacy Act of 1974 provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information.
Consumer complaint received 2024-01-08
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. (PA)

My name is XXXX XXXX XXXX XXXX this personal statement is being generated by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681S-2 states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have resumed having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumer 's right to privacy along with accuracy. I demand the removal of these accounts.
Consumer complaint received 2024-01-08
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 formally lodge a complaint against the XXXX XXXX credit card company, also known as XXXX. Last year, I utilized their automated payment system to settle my bill. Despite having sufficient funds in my checking account, the payment was not accepted. Consequently, this situation led to a 30-day late payment notation on my credit report, significantly impacting my credit score. I am now seeking to address this issue by filing a grievance with the company. My objective is to request the removal of the negative entry or, alternatively, pursue legal action with the assistance of an attorney. 

In a recent occurrence in XXXX, I faced a similar situation when I made a payment through the automated system. Despite providing accurate information and ensuring an ample balance in my account, the payment was returned. I am inclined to believe that there are flaws in their system that require rectification. The automated payment system appears to have numerous errors, resulting in customers experiencing adverse effects on their credit standing. 

Recognizing the paramount importance of maintaining a positive credit history, I am committed to taking the necessary steps to rectify this situation. My primary aim in filing this grievance is to have the negative information expunged from my credit report. Additionally, I urge the company to conduct a thorough review and update their automated payment system to prevent similar issues from affecting other customers in the future.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (AR)

I am writing because I requested a copy of my consumer report from Lexis Nexis. I called and spoke with someone from Lexis Nexis on XX/XX/2024 and was told that I would receive my report within a few weeks. This is the second time I called requesting my report to no avail.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

The following accounts are not mines and/or nor did I agree or given any written permission to have any creditor to report to any third persons or business any such accounts on my behalf via my credit consumer report. Therefore, I'm demanding the immediate removal of the following accounts, XXXX. XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX # XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.
Consumer complaint received 2024-04-25
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. (CA)

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 2024-01-08
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)

Me and my husband went to a mortgage broker to see if we qualified for a mortgage and we where told we had negative items on our credit reports. After investigation, we found out that we had fraudulent items on our credit reports.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

I was informed about Equifax data breach XXXX XXXX Americans, my XXXX XXXX XXXX all in data breach as I was told use last XXXX numbers of XXXX, it came back and said I was in the breach. 4 years later Equifax contacted me I don't know how as I have not use email in 4 years thanks to this idiotic computers, lost they contacted me gave me a date to provide info? for what? already did 4 years ago I post bad reviews behind this so it's retaliation. they put u in a class action lawsuit and you end up with a couple dollars well my phi, address phone all was breached I have XXXX letters and limited monitoring which hasn't done XXXX bc my info in others hands. now why and how did me, XXXX XXXX XXXX caught up in a breach. these ppl sent me email 2 day XX/XX/year> saying I wasn't im breach, I was so these ppl need to compensate all XXXX XXXX Americans who were breach may not be able to buy house car bc of Equifax and ill say USA is sloppy you got these uneducated folk ruining consumers I never had credit card, had a XXXX score and now it's poor bc Equifax lying saying I wasn't in the breach and I was I believe I have complaint number maybe. that was XXXX XXXX years ago I just don't remember the email, this why they waited but I contacted them couple times and then post a bad review now after finding my email, they saying I'm not in breach yes I was and so was my XXXX class action gets u XXXX XXXX maybe? XXXX of dollars lawyers get and all the consumers still at risk.mortified. there is no justification for credit bureaus, to find my email, lied and said I was not a part of breach yes I was and even this year I will screenshot it said the same as back in XXXX what a pos of people in USA everyone trying to get over on one another looks like I see it all and will call you out don't matter who, I want credit fixed and reimbursed for Equifax XXXX XXXX XXXX XXXX breached XXXXXXXX XXXX XXXX this happened she was XXXX or XXXX when first was out in XXXX omg
Consumer complaint received 2024-04-25
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. (CA)

I am sending this complaint to dispute the reporting of a late payment on my credit report for the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX. 

I have contacted the bank regarding theselate payments, and they have approved updating the accounts to " open/never late. '' The bank has acknowledged the inaccuracy of reporting a late payment and have agreed to make the necessary changes. 

According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. Therefore, I kindly request that you update these accounts to reflect that it has never been late. I also request a copy of my updated credit report once this correction has been made.
Consumer complaint received 2024-01-07
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. (FL)

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. Among others. This is grounds for removal. 

They also violated my rights under : 15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A sec. 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : that no consumer reporting agency may make any consumer report containing any of the following items of information.

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. 

XXXX, TransUnion, and XXXX are governed by USC 1681. They have violated my rights numerous times. I demand the inquiries/accounts below be removed immediately per my instructions enclosed :
Consumer complaint received 2024-04-25
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions
Consumer complaint received 2023-09-24
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (CT)

i had numerous phone calls asking my name and to verify my personal information with out them identifying who they are. they dont identify themselves as a person or from which company. all they say when i pick up is may i speak to me and it is regarding a buisness matter and when i ask who is this they dont confirm who they are i keep getting several of these calls in a day and throughout the week i believe that it could be from midland credit managment they are the only known ones that have been contacting me with mail about payment plans
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

As a victim of identity theft, I am formally requesting the immediate removal of the following accounts from my credit report : XXXX XXXX XXXX ( debt Collector for XXXX XXXX ), account number XXXX, with a balance of {$87.00}. 
XXXX XXXX, account number XXXX, with a balance of {$14000.00}. 
Attached to this request is a copy of my FTC Identity Theft Report, which documents the fraudulent nature of these accounts. It is evident that these accounts are not associated with me and have resulted from identity theft. 

Under the law, it is illegal to report information resulting from identity theft. Therefore, I urge you to take prompt action to remove these fraudulent accounts from my credit report to prevent further damage to my credit standing. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2023-10-04
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: EQUIFAX, INC. (FL)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX