davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-23
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 Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. Acoount # 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 2022-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The unverified accounts indicated below, continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Upgrade, Inc. (NC)

I am getting Repeated voice mail messages from Upgrade a financial services company with message stating this is XXXX calling from Upgrade etc the calls come from either XXXX or XXXX XXXX and have been every day including on Sundays and sometimes two or three in one day. I wrote the company an email message stating I was having a financial hardship and I intend to pay I just dont know when. I added that these repeated calls are very stressful and asked them to stop calling. They did seem to stop calling for a short while during the recent XXXX holiday but have started back up and this amounts in my opinion to harassment. Please find screen shots attached for proof. Please note dates.
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

IVE DISPUTED THIS XXXX XXXX COLLECTION NUMRIOUS OF TIMES DATEING BACK FROM XX/XX/2023, XX/XX/2023, XX/XX/2023 ACCOUNT NUMBER IS XXXX AS IDENTITY THEFT, BECAUSE IVE NEVER HAD AN ACCOUNT WITH THEM. IVE ALSO ASK THE BUREAU TO VERIFY THIS AND ASK HOW DID THEY VERIIFY, HAVNT HEARD ANYTHING. PLEASE HELP, ITS HURTING MY CREDIT.
Consumer complaint received 2023-11-05
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: Experian Information Solutions Inc. (IA)

I have an unknown fraudulent account from XXXX XXXX XXXX  being reported on my XXXX, XXXX and Experian.. I have demanded proof of contract over 30 days ago and haven't received it!! 
This unknown, fraudulent, negative account and late payments being reported to my credit file is hurting my ability to obtain credit : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX account # XXXX opened XX/XX/2023 XXXX {$0.00}
Consumer complaint received 2023-07-11
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. (GA)

I have noticed that XXXX XXXX has reported a debt on my credit report that is older than the permissible time frame specified in FCRA Section 605 ( a ). According to my records, the debt in question exceeds the seven-year reporting limit for negative information. This outdated reporting is not in compliance with the FCRA requirements. 

XXXX XXXX is in violation of FCRA Section 602 Permissible Purposes Violation of FCRA Section 604 Written Instructions Violation of FCRA Section 605 ( a ) Reporting Outdated Debt Violation of FCRA Section 605 ( a ) Reporting Outdated Debt
Consumer complaint received 2023-05-23
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. (NY)

Dear Credit bureau and representative of consumer financial protection bureau, I am submitting this complaint because my consumer rights have been violating for 3 years, since the XXXX and TransUnion showing the information that completely doesn't belong to me. I tried to talk to XXXX, but this company doesn't even allow to dispute the information. Their agents just tell they don't know how to help and that I need to dispute this information directly with bureaus, but once I submit a dispute with bureaus they verify that this account is mine. BUT I NEVER OWN ANYTHING TO XXXX. I submitted the FTC report, but no results. I got a mortgage with high interest rate, because of this account and I still struggle because of the fraudulent account, I have no idea where it came from. I request a deletion of this account as soon as possible. Otherwise I will reach XXXX with attorneys and request financial compensation, since I am having a lot of losses on my business as well.
Consumer complaint received 2022-11-08
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)

I have been trying to get this issue fix I send in a letter stating that I want to OPT out from XXXX  reporting my information without my consent. under truth in lending Act 15usc6802 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless they clearly and conspicuously discloses to the consumer in which avant never did, I also send a certified letter including a affidavit that they never reply back too. 
this is my third chance at trying to fix this issue. All they keep saying is we are right reporting correctly how? when you dont have my consent and never gave me the chance to can opt out
Consumer complaint received 2022-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (NY)

I opened a Navy Federal Credit Union Account about XXXX XXXX  ago. I also used it to start an AUTO BILL PAY for my XXXX XXXX XXXX. So the XXXX auto debit was suppose to taken out on XX/XX/2022. XXXX text me on my cellphone on XX/XX/2022, that the {$210.00} was successfully debited from Navy Federal Credit Union checking account. Now I am being told today by XXXX that XXXX DIDN'T RECEIVE THE {$210.00} AND I STILL OWE THE {$210.00}. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I LIVE IN THE XXXX XXXX, XXXX. WHICH IS FULL OF XXXX XXXX  THEY ARE MESSING WITH ME AND MANY SENIOR CITIZENS HERE. EVERY XXXX WHEN GOVERNMENT BENEFITS COME OUT, THE SENIOR CITIZENS HERE IN THE XXXX, AND XXXX HAVE A Stung OF WAR WITH THE XXXX XXXX, WHETHER IT'S YOUR FAMILY, ASSOCIATES, OR STRANGERS. 
COULD YOU PLEASE ASK NAVY FEDERAL CREDIT UNION TO STOP ALLOWING SENIORS TO BE ROBBED? I AM NOT STAYING WITH NAVY FEDERAL CREDIT UNION.
Consumer complaint received 2022-11-08
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. (GA)

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, M ; XXXX, XXXX, M ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$13000.00} ; XXXX XXXX XXXX Balance : {$810.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXX AT T ) XXXX Balance : {$540.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$550.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$440.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX CO XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2022-11-08
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX .... Balance : - ; XXXXXXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX Balance : {$6700.00} ; XXXX XXXX XXXX XXXX : {$8300.00} ; XXXX XXXXXXXX XXXX .... Balance : {$950.00} ; XXXX XXXX XXXX .... Balance : {$11000.00} ; XXXX XXXX XXXXXXXX XXXX XXXX. Balance : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX XXXX XXXX ... . Balance : {$530.00} ; XXXX XXXX Balance : {$800.00} ; XXXX XXXXL XXXX .... Balance : {$3200.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2023-12-08
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. (GA)

On XX/XX/23 I wrote Equifax to start an investigation into credit inquiries appearing on my credit report I never authorized! I never heard back from them and they still are on my credit report.
Consumer complaint received 2022-11-08
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 

FOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy .

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-02-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: DISCOVER BANK (PR)

Hello, I tried to transfer XXXX XXXX dollars from my XXXX XXXX  account ( in XXXX XXXX XXXX to my online savings Discover account. This transfer happened on XX/XX/XXXX. Despite my transaction activity saying the transfer was successful, the transfer actually failed due to a error on Discover 's part. I was told this by Discover representatives. On XX/XX/XXXX, Discover attempts to reattempt the transfer and tries to transfer the XXXX again. Since there was already a transfer initiated XXXX XXXX, and the error was on XXXX 's part, XXXX XXXX  charges me with overdraft fees. On XX/XX/XXXX, a return ACH transfer is initiated by Discover, however a week later, neither bank has my XXXX. I've contacted both banks throughout the week and both redirect me to each other. I don't know how to proceed but would like help in order to get this solved as soon as possible. Thank you.
Consumer complaint received 2024-03-22
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. (CA)

This account was charged off as a collection on the following date XX/XX/XXXX of XXXX but on my report its stating XXXX of XXXX. It is also being reported on my report that the account is closed and in collection with EXPERIAN but the account status is also being reporting to being an Open account with XXXX and its not reporting much information with XXXX. Also all XXXX accounts are stating a balance of {$100.00} as if the account its open when the balance should be XXXX since its already being reported as a collection which is also inaccurate and a violation According to XXXX XXXX XXXX  XXXX, EXPERIAN, XXXX, & XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : EXPERIAN Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX Account Name : XXXX XXXX  Account Number : XXXX
Consumer complaint received 2023-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I mailed certified letters in XXXX and in XXXX of 2023 to all XXXX credit bureaus to update or remove inaccurate information off my credit report. The creditors just verified the accounts. Law requires that they report accurate information on my credit report. The information is not accurate at all. They are reporting different information on different credit bureaus, and not updating or deleting the inaccurate information. It is so frustrating how they can just say the account is verified and not fix the errors all on my credit report. I feel like the credit bureaus are teamed with the creditors on my account and just hoping that I will go away and forget about the errors. I was told that I can come to you ( CFPB ) to get the credit bureaus to do what is right in this situation.
Consumer complaint received 2022-11-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF HAWAII CORPORATION (MP)

I have a checking account with Bank of Hawaii  in XXXX. Currently the checking account is a $ XXXX/month " XXXX  XXXX XXXX XXXX '' account, their highest-level account. 

On XX/XX/XXXX, I sent Bank of Hawaii an online message asking to change the account to " Convenience Checking, '' their free checking account type. They answered and told me to send them a signed and dated hardcopy letter. I sent the letter on XX/XX/XXXX. 

On XX/XX/XXXX, I received a call from Bank of Hawaii, telling me that the only way to change the account type is to visit the branch in person. They said they can not change account types without an in-person visit to the branch. 

There is only one Bank of Hawaii branch in XXXX, the hours are very limited, and the waiting area is the outdoor parking lot. The last time I tried standing in that line, I gave up and went home after one hour standing in the hot sun. 

It seems unreasonable that I can't make a simple change to my account by phone, internet, or mailing a letter. Every other bank I've ever dealt with would make this a simple process. 

I just want my account changed to " Convenience Checking '' without needing to stand in an hours-long line.
Consumer complaint received 2023-11-05
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: Experian Information Solutions Inc. (TX)

On XX/XX/2023, XXXX XXXX XXXX wrote me a letter saying that they closed my account due to a correspondence they received stating that I was trying to offset my account by illegal tender. I was given bad information regarding my taxes and the correspondence was NEVER intended to set off or not pay my bill regarding my credit card. I made a payment of {$400.00} to my card ending in XXXX on XX/XX/2023 but could not use my credits on my card because XXXX XXXX XXXX closed my account. I REPEAT, there has been a misunderstanding because I have had these cards for over XXXX years and I have never had a 30 Day Delinquency. This morning I received a notification from my Experian report saying that XXXX XXXX XXXX put a 30 Day delinquency on my account for the card ending in XXXX. They are violating my rights under the Federal Equal Opportunity Act which prevents them from keeping me from using my own line of credit. Also according to 15 U.S. Code 1602 - Definitions and rules of construction ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. In other words they can not be extended use of MY credit and not allow me to use it myself. They are expecting me to pay on a line of credit that they have closed me from using and then damage my consumer report and cause me harm as an adverse recourse. They are NOT ALLOWED to do that. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) 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 instructions of the consumer to whom it relates Clearly, under the law a late payment is considered a Transaction and not have added to my consumer report. Under 15 USC 1681n, - Civil liability for willful noncompliance ( a ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; as a consumer I can charge {$1000.00} for damages if you don't remove this item because it is very injurious to me. PLEASE DONT SAY THE ITEM HAS BEEN VERIFIED. Either the law is applicable or not! Send an updated copy once the item disputed has been removed.