davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-01
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted XXXX and I urge you to rectify the situation promptly by updating my records accordingly.
Consumer complaint received 2024-04-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.
Consumer complaint received 2023-11-29
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. (NV)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am writing to bring to your attention several inaccuracies on my consumer credit report, as maintained by your agency. I have identified numerous discrepancies that violate the Fair Credit Reporting Act ( FCRA ) and related statutes. I believe it is essential to rectify these issues promptly to ensure the accuracy and fairness of my credit profile.

I have previously contacted your agency through multiple letters regarding the following concerns : 1. Late Payments : There are inaccuracies in the reporting of late payments on my credit report.

2. Credit Utilization : There are inaccuracies in the reporting of credit utilization on my credit report.

3. Personal Information : The reporting of personal information such as names, addresses, phone numbers, and employers is incorrect. I assert that the entities providing information to credit agencies ( Furnishers ) have no right or written consent from me to furnish my information.

4. Revocation of Consent : I hereby revoke any forms of consent, be it verbal, non-verbal, written, or implied, for the Furnishers to furnish my information. 

5. Non-Disclosure Option : I have not been properly informed by the Furnishers of my right to exercise a nondisclosure option, as required by 15 USC 6802 ( b ) ( c ).

6. Adverse Information : Inclusion of adverse information without proper authorization violates 15 USC 1681C ( a ) ( 5 ).

7. Knowingly Furnishing Inaccurate Information : Furnishing inaccurate consumer information knowingly is prohibited under 15 U.S. Code 1681s2 ( A ) ( 1 ).

8. Immediate Deletion of Negative Accounts : I request the immediate deletion of all negative or derogatory accounts on my credit profile with XXXX, Equifax, and XXXX. 

9. Removal of Credit Utilization : The credit utilization information should only show the amount of the credit line, not the utilization level. Immediate update across all three credit agencies is requested. 

XXXX. Correction of Personal Information : I request the correction of personal information to reflect only one name ( XXXX XXXX ), one address ( XXXX XXXX XXXX XXXX XXXX TX XXXX ), XXXX phone number ( XXXX ) and no employers. 

XXXX1. Deletion of Personal Statement on XXXX Report : I request the immediate deletion of the personal statement on the XXXX consumer report and the balance of credit scores. 

12. Notation of 15 USC 1681 ( c ) : Immediate notation of 15 USC 1681 ( c ) in XXXX, Equifax, and XXXX systems concerning my consumer report. 

XXXX. Compensation : I request {$1000.00} per violation in accordance with applicable laws. 

I appreciate your prompt attention to this matter. Please investigate and resolve these issues within the required time frame as per FCRA guidelines. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-23
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. (TX)

PLEASE BLOCKED AND REMOVED.

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC. (TX)

To Whom It May Concern, I am a victim of identity theft and have enclosed a copy of my identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within XXXX days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file :
Consumer complaint received 2024-04-21
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: EQUIFAX, INC. (CA)

on XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person
Consumer complaint received 2023-11-01
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (TX)

In XXXX, I made a purchase from XXXX XXXX and opened an account with XXXX XXXX, then called XXXX XXXX XXXX. In XXXX, I received the first bill for the account and attempted to make payment online. I received an error saying I had to contact customer service. XXXX XXXX customer service told me that my XXXX credit account has been moved to another bank called Comenity Bank, and I should wait to receive a letter from Comenity bank on how to access my " XXXX XXXX account ''. After some time, I received a letter from Comenity bank with directions on how to access the new account on their website, but stated that the website will not be available until XX/XX/XXXX. I was away on a business trip during this week and returned on XX/XX/XXXX, which was also the payment due date. I was finally able to create the online account and make the payment, but it said that the payment would be processed the next business day, and the payment is late. I immediately contacted their customer service to explain the issue, and they told me that there would not be any late fee or penalty due to the account conversion. I waited two weeks and checked the Comenity website again and it showed that I was assessed a late fee on XX/XX/XXXX. The website also showed that there is an XX/XX/2023 statement with payment due in XXXX, but I never received this statement/bill either in the mail or in email. I contacted Comenity again to inquire why I am not receiving any bill, and the customer service representative told me that they do not send out a statement, I have to log in to the website to find the statement and just remember to do that every month. I asked how I can receive an email or text message alert when a new statement is available or when a payment is due, but again was told they don't offer any such alerts. I informed them that it is highly unusual and irregular for a bank or other credit/lending organization to have a revolving credit account but without sending out a monthly statement or alert that a payment is due. I believe that the failure to properly convert the account from XXXX to Comenity, which incurred late fees through no fault of my own, and potentially impacted my credit score, and Comenity 's refusal or inability to send a monthly statement, are both illegal.
Consumer complaint received 2023-08-10
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. (CA)

Creditor Name XXXX XXXX XXXX XXXX Account No. 
XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Responsibility Individual Condition Derogatory Original Balance {$100.00} Balance {$120.00} Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX This a fraudulent account, someone stole my personal information to owe this debt. The above collection account does not belong to me.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

As per FCRA 605B, it's required to eliminate any incorrect accounts from my credit report. Would you mind reviewing the documents? Several listed accounts are inaccurately reported. Compensation of {$1000.00} is owed for each erroneous entry on my credit file.
Consumer complaint received 2023-11-01
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BMO Bank, N.A. (CA)

Received mail solicitation for credit card with a {$200.00} cash bonus if charged {$2000.00} in first 3 months. I accepted and received card on or about XXXX XXXX XXXX. The first bill dated on or about XX/XX/XXXX was for XXXX and the second bill dated on or about XX/XX/XXXX was for {$1500.00}. So the required {$2000.00} in charges were made within 3 months. But as of today XX/XX/XXXX I have not received the {$200.00} bonus I tried contacting bank by phone at their customer service number, but it is totally useless. Terrible service.
Consumer complaint received 2017-12-22
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: ALLY FINANCIAL INC. (CA)

XXXX XXXX XXXX in XXXX Ca, submitted my credit application to other lenders without disclosing to me that they would be seeking other lenders. I was pre-approved with XXXX XXXX XXXX for the loan and did not request them to seek other lenders. 

Due to their negligence and actions It has damaged my credit rating with additional hard inquiries placed by the other lenders on my XXXX credit report
Consumer complaint received 2023-09-05
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: HEARTLAND PAYMENT SYSTEMS INC (MD)

In my request for investigation, I provided proof that the ombudsman stated that I do not owe the debt as described by the XXXX XXXX XXXX XXXX. The letter that I received from the lender does not address that issue. They simple repeat the information provided by the school.
Consumer complaint received 2023-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (CA)

I open my business account with BMO bank, and I deposited a business check back to XX/XX/XXXX and they freeze my account from XX/XX/XXXX and that ruin my business I cant pay my suppliers. I cant access to my money
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (PA)

Discrepancies in reporting on one account being reported twice on all three credit bureaus : Original Balance : XXXX and XXXX Terms : 66 months and 68 months Paid Closed/Never late and Paid/ Closed on XXXX. Reported differently on XXXX then XXXX and XXXX XXXX. 

Requested validation as shown in documents attached. 


Wells Fargo Dealer Services has the same account reported twice. Inaccuracies with original amount of loan, payment history, terms are different. I had only one lease which being reported twice with the same account number but inaccuracies with the items mentioned above. Violation by the credit bureaus and Wells Fargo dealer services reporting inaccurate information that has substantially hurt my score.reported as paid and never late on XXXX and reported as late.
Consumer complaint received 2024-04-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am writing to dispute the validity of a collection account appearing on my credit reports. According to my TransUnion and XXXX credit reports, there is a collection account listed with the following details : Account Type : Charge Card Account Status : Indeterminate Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Payment Status : Charge-off Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX I am disputing this collection account for the following reasons : Inaccurate Reporting : The information regarding this collection account is inaccurate. I have never held a charge card account with XXXX, and I dispute the validity of this account. 
Lack of Documentation : I have not received any communication or documentation regarding this alleged debt. Therefore, I am requesting that you provide detailed documentation validating the existence of this debt, including the original creditor 's name, the amount owed, and any relevant account statements. 
Indeterminate Account Status : The account status is listed as " Indeterminate, '' which raises questions about the accuracy and validity of this entry on my credit reports. I request clarification regarding the status of this account. 
As per my rights under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. If you are unable to provide sufficient verification of this debt within 30 days, I request that this collection account be removed from my credit reports.
Consumer complaint received 2023-11-16
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or list of inquiries 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 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IN)

I filed a Bankruptcy XXXX XXXX in XX/XX/XXXX, at US Bankruptcy Court - XXXX XXXX XXXX, Case number XXXX ; on XX/XX/XXXX, I received an Order of Discharge Letter from the Court, and contacted XXXX XXXX XXXX, Bankruptcy Department explain what had happened and I wanted the bank to begin reporting the payments it was making on the mortgage loan number XXXX from XX/XX/XXXX, XXXX, since they had reinstated my loan and I had begun making my monthly payments since XXXX XXXXA specialist from XXXX XXXX XXXX  Bankruptcy Deparment named XXXX XXXX told me me not to worry, that the next day the system would update all the information because they already had the discharge order letter from the court. I waited one mores week and nothing happened, on XX/XX/XXXX, I called again, and spoke with a person named XXXX, and she told me that the XXXX XXXX XXXX had no obligation to report my loan payments to the different credit bureaus and that was the case as it happened.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2023-08-02
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. (SC)

XXXX ARE IN BREACH AND HAVE COMMITTED SEVERAL VIOLATIONS ; ALL 3 BUREAUS ARE IN VIOLATION OF : 1. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 2.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 3. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 4. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 5. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 6. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 8.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 9. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU ARE NOW TELLING ME AGAIN TO CALL IN AND DISPUTE INFORMATION THAT DOES NOT BELONG TO ME. THIS ANOTHER VIOLATION 10. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) YOU HAVE 5 DAYS TO REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT!
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (WI)

When applying for credit in XXXX of this year I was refused credit, the reason given was delinquent accounts, which I did not understand a few days later I received copies of my credit reports from the three major credit agencies and to my horror they contain numerous delinquent accounts that did not open, that is when I became aware that I'm a victim of identity fraud and identity theft After working with the XXXX, XXXX and XXXX all the fraudulent accounts have been deleted. But one I have attempted to contact the company but as today I have not gotten any response and they continue to report the account as my account. The company name is TD Bank XXXX XXXX XXXX XXXXXXXX, XXXX, MN. XXXX XXXX to rectify this issues. 

Thanks
Consumer complaint received 2024-04-23
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. (IL)

I wrote all three bureaus and call each company that's reporting inaccurate information, I asked that the items be investigated and updated.There are things still on my reports. I have Know Knowledge of the Closed accounts, Hard inquiries, and Collections that I don't recognize. Please REMOVE all derogatory remarks