davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-12
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)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.
Consumer complaint received 2023-06-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Americor Funding, LLC (CA)

In 2020 during Covid I was working with A debt consolidation company named " Americor '' to pay down my credit card debts however due to how the payments were set up a credit card was sent to collection. XXXX, the credit card company, was in talks with Americor and was sent to collections and there was an agreement made with the Collections company XXXX. However, there was confusion in the contract because the name of XXXX was later found to have changed to XXXX XXXX  In the contract, I was told that the collection would be removed once paid. However, once all the payments were finalized, I reached out to both of the companies and they both are saying they can not remove the collection. No action was taken on either part.
Consumer complaint received 2023-06-06
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. (GA)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX NJ XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, NJXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX ; XXXX XXXX XXXX XXXX , NJXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy DateFiled/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX
Consumer complaint received 2023-06-06
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. (LA)

I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter. 
These accounts are listed as being 30-60 days late. I have never been late on this account. PLEASE REMOVE LATE PAYMENT FROM MY CREDIT REPORT 15 U.S. Code 1666B states a creditor may not treat a payment on a credit card account under an open consumer credit plan as late FOR ANY PURPOSE. It also states unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2023-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF OMAHA (GA)

I have a First National Bank of Omaha Account. I was prompted to open a new type of account with a better APY through XXXX XXXX  on the FNBO account. Looking for a good interest rate and working with online banking in the past, I decided to link the FNBO account, my XXXX  account, my Chase account and XXXX XXXX XXXX Account. I made an initial deposit on XX/XX/ from XXXX of {$750.00}, XXXX ( XXXX ) XXXX XXXX {$10.00} on XX/XX/, and again on XXXX XXXX XXXX I added another {$1000.00} from XXXX XXXX. On XXXX XXXX XXXX they withdrew {$400.00} from my XXXX XXXX XXXXXXXX account and unbeknownst to me, I noticed that on my XXXX XXXX XXXX website and saw the XXXX was initiated. All of these deposits had cleared my accounts at the drafting institutions within a day of the deposit into XXXX. After XX/XX/, when I questioned why this {$400.00} was withdrawn, my account was restricted. Now I can not access any of my money. I can not write a check, withdraw, or use my ATM card to access my account. 

They do not provide any live customer service. You must communicate with them through their App on your cell phone via messaging. I keep hearing my account is under investigation to authenticate the origination accounts. It should not have taken XXXX weeks let alone all the money deposited in XXXX XXXXXXXX they will not allow me to have access to. I am XXXX, I am helping my mom who has fallen after COVID and is in need of medical care. Despite my pleas to explain why, I keep getting the same through their online chat and via XXXX. I can not get any response, any explanation as to what the hold up is. On Friday, XX/XX/, I sent over a copy of the front and back of my driver 's license and still have not heard what the critical issue is here. I explained I have no creditors, no tax liens, property liens, that I am a XXXX trusted traveler. I also expressed that I do not want them to withdraw any funds from any of these banks and they told me to cancel the withdrawals at my banks and that would incur me between $ XXXX $ XXXX. I advised them that they are forbidden to take any additional funds, both, XX/XX/XXXX, and XX/XX/XXXX, as well as today, XXXX XXXX XXXX I saw that this similar situation has happened to others in Reviews and my attempt to write FNBO last week was met with a response, they are their own bank, despite their use of FNBO 's routing number. I am not please. I feel scammed and I feel exhausted. I want this noted, I want this resolved and I want the rest of the public to know that this is the practices of this bank. Altogether they have {$2100.00} in savings, {$640.00} in a vacation account and {$1800.00} in my checking account. I just want my money back at this time.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

Please see attached letters for detailed breakdown down of complaint. Anytime a charge off is reported it is now becomes income. Therefore it should not be reported on my consumer report. 15 USC 1681e-b Compliance and procedure states that the reporting company must maximum accuracy when reporting.
Consumer complaint received 2023-07-14
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. (PA)

Over the last 2 years I have been dealing with the harassment of XXXX. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house hold purposes. The inaccurate reporting have damaged my livelihood. XXXX has violated my privacy. They are a third-party intervener and are in trespass of the private name, XXXX, XXXX ( creditor ) dba XXXX XXXX and her private information. XXXX qualifies as a volunteer, stranger, or intermeddler. XXXX, XXXX XXXX XXXX, XXXX XXXX at XXXX. Parties may be considered volunteers if, in making a payment, they have no interest of their own to protect, they act without any obligation, legal or moral, and they act without being requested to do so by the person liable on the alleged, original obligation. Henningsen v. United States Fidelity Guar. Co., 208 U.S. 404, 411 ( 1908 ) ; Smith v. State Sav. & Loan Ass'n, 175 Cal. App. 3d 1092, 1098, 223 Cal. Rptr. 298, 301 ( 1986 ) ; Norfolk & Dedham Fire Ins. Co. v. Aetna Casualty & Surety Co., 132 Vt. 341, 344, 318 A.2d 659, 661 ( 1974 ). XXXX purchased the account referenced above from US DEPARTMENT OF EDUCATION N.A or another third-party junk debt buyer. Therefore, they are, according to Chief Justice XXXX XXXX of the US Supreme Court, in direct violation of the COURT of COMMON PLEAS OF PHILADELPHIA COUNTY PENNSYLVANIA, COURT OF APPEALS FOR THE SEVENTH CIRCUIT ; HEINTZ v. JENKINS 514 U.S. 291, 2, and in jeopardy of fraud by mail for attempting to commit felony conversion and attempted theft of Respondents property for which restitution will be sought. At this time, they have set forth two ( 2 ) predicators of the three ( 3 ) needed to begin a Racketeering lawsuit against them and the other firms listed in the paragraph. Also SELLER : US DEPARTMENT OF EDUCATION N.A. They have placed the above-mentioned firm in the untenable position of aiding and abetting your fraud by mail attempt mentioned in the preceding paragraph. I have no contractual obligation with XXXX. Therefore, any action taken by XXXX is considered aiding and abetting fraudulent activity. I demand to see a certified, notarized copy, under penalty of perjury, of the purchase agreement between XXXX, and the above-mentioned creditor. Also! XXXX is not licensed to collect debts in the state of Pennsylvanian Pursuant to Pennsylvanian STATUES 7311. Unlawful collection agency practices.
Consumer complaint received 2023-10-12
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. (TN)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, thereare laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.
Consumer complaint received 2023-10-12
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. (TN)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.
Consumer complaint received 2023-10-12
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. (WI)

I have disputed this information several times, I have NO BUSINESS with these companies and have no understanding how Equifax allows fraudulent activity to occur and then tell me to figure it out! It's a shame that some company can run your report several times that I have no business with and didn't authorize them to do it. There are laws to protect me, and I am asking for your help with the removal of these fraudulent inquires.
Consumer complaint received 2021-01-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (CA)

This account is not mine, nor do I know whom it belongs to. 

SEQUIUM ASSET SOLUTION keeps placing collections on my credit, even when disputed thru XXXX on several occasions. 

This is the only information I have as shown in my XXXX  Credit Report : Original creditor : XXXX XXXX {$280.00} Collection opened : XX/XX/2020 Account number : XXXX Thanks for your help!
Consumer complaint received 2024-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, 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. (IL)

In accordance with federal credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 in addition to a violation of my privacy reporting without my written instructions violate my rights under 15 usc 1681 section 602, 15 usc 1681 section 604, 15 usc 1681 c a 5 and 1681s-2a1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete these accounts
Consumer complaint received 2023-10-13
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 second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX , CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$6700.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$93.00}.
Consumer complaint received 2023-10-13
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 second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX , CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$6700.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$93.00}.
Consumer complaint received 2023-07-02
Product: Credit reporting, credit repair services, 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. (TX)

I do not recognize any of the following hard inquires and I'm asking that they be removed : XXXX XXXX XXXXXXXX XXXXXXXX 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 2023-10-12
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. (GA)

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 2023-06-12
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: EQUIFAX, INC. (NY)

I received my credit report on XX/XX/2023 and notice there were hard inquiries that dont have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that dont have no purpose to be on my credit report.
Consumer complaint received 2023-10-12
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (OR)

XXXX Purchased a {$500.00} Visa Vanilla Card from Local XXXX Located in XXXX Oregon. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card never worked at multiple locations, group returned and i started the process to inquire why on XX/XX/XXXX, their response was that it was not activated at the store and to upload receipts and my matching identification. Emailed all requested documents XXXX and XXXX when I did not receive any update. Received email XXXX .saying card was reactivated but when checked the balance was XXXX Called back 3 times and told to wait 48hrs for a response, never happened. XXXX asked for supervisor was told case was escalated and wait another 48 hours. Called back XXXX and was told no change case was still escalated. Called XXXX told time had expired on the escalation and had to be reopened and told they would respond with a phone call, never happened. Called XXXX said there was no action asked for supervisor, call transferred and supervisor never picked up.
Consumer complaint received 2023-04-25
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: EQUIFAX, INC. (MS)

It has been drawn out that Credit Bureaus 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. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-12
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. (NJ)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2021-01-04
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. (WA)

XXXX and XXXX are reporting an account that went to collections as paid off in XX/XX/XXXX but was actually paid off in XXXX. 

This Collection recording has dropped my credit score again as of XXXX for an account that has been paid off since XXXX.