davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lendmark Financial Services (NC)

I am continuously and repeatedly receiving collection calls for a debt that is not legally mine. The collector/caller/creditor, XXXX, with Lendmark Financial has suddenly took it upon himself to call my place of employment on XX/XX/2018 at XXXX. The call is recorded along with the voicemail. I have spoken with XXXX before and advised him to not call me regarding a debt that is not legally mine. He has alternatively called me from private numbers, and from other non- business numbers. This is harassment. This is not my debt. This debt legally belongs to my living relatives.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX XXXX  has been getting payments have bank statements to bank up what saying. On XX/XX/XXXX XXXX XXXX  took out XXXX. This acount is not late applied bank took out XXXX from my bank account on XX/XX/year> 2024
Consumer complaint received 2023-09-23
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. (LA)

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2024-04-21
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. (OH)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section two. It also states a consumer reporting agency can not furnish an account account without my written instructions under 15 USC s 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. Lastly, in accordance with US Code 1681c-2 a consumer reporting agency shall block reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged idenity theft, no later than 4 business days after the date of receipt. These accounts should not be furnished on my consumer report as they are a violation. Under US Code 1681b - permissible purpose of consumer report have been violated I did not give written consent to report. No consent is also violation and identity theft. As a consumer I demand the deletion of the listed accounts below immediately : Portfolio Recovery Portfolio Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiries XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-21
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. (TN)

I just reviewed my credit report and noticed an account that was not reporting accurately. Noticed also they reporting late payments on an account that i was in fact paid on time .The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates ( XXXX  XXXX and XXXX. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2023-09-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I tried to cash a 3rd party check which is my son 's check he is XXXX yrs old but not available to go with me in the branch. my son signed the back of the check and wrote pay to the order of my name he endorsed it to me to deposit it in my account and cash it. 
I have his California ID card and my ID. spoke with customer service with BOA one of their manager by the name of XXXX told me yes, we can deposit and cash 3rd party checks as long as it is signed by your son and pay to you. you can go to one of our branches they should deposit or cash it for you. but, when I went there XXXX XXXX financial center manager and assistant vice president of BOA on XXXX XXXX XXXX XXXX, XXXX CA, XXXX ( XXXX ) XXXX XXXX told me No we don't deposit or cash 3rd party checks at all BOA don't cash or deposit 3rd party checks even if it i signed or have His ID. 
I told him XXXX customer service manager from XXXX said you can XXXX said NO we don't and he was very rude the way he was talking I was sitting with my other son and he was standing in the office talking to me he just wanted us to leave and I asked I would like to wait here and call the customer service to confirm which one is correct. Then XXXX came in the office standing both in front of us talking no we cant. 
instead of trying to find out who we talked to if they can get hold of them or check online both said we already know. which is unfair practice not sure who was telling me the right info. was waste of my money went by taxi came back by taxi and got headache and XXXX 
XXXX said we don't know who XXXX is from the customer service and there is no way for us to check who you talked to. so this is our policy. we left when I came home called their customer service again XXXX talked to XXXX from Florida and she also reviewed said they were supposed to help you in the branch because it says on the guideline but when she called the branch talked to someone in XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX said no we cant accept 3rd party checks. XXXX also changed her words after talked to branch on XXXX XXXX. I told XXXX your guidelines has other info and you said they should of help you but now you changed your word after you talk to branch. someone has to review this complaint because I went thru headache and they should be responsible for the money I paid for taxi and my time and headaches. 
she created the case # XXXX Please get back to me regarding this matter. 
I called other banks they have no problem to deposit or cash. 
I will go to another bank but, I took pictures of the checks to clear this with BOA they should pay for my time, taxi fees and the headaches and XXXX and the way XXXX talked to me standing talking fast and rude. 
he was suppose to set and talk answer our questions that is why he asked us to go to one of their offices which was unprofessional. 

Thank you, XXXX XXXX
Consumer complaint received 2024-04-21
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (PA)

On XX/XX/XXXX I contacted Synchrony Bank because I was trying to access my account online as I do every month to keep track. We opened a credit line for {$5500.00} to buy a piece of equipment for the house. The account was opened XX/XX/XXXX. 

I was not able to access all the information online and it said I had to call the company I called and asked the representative who assisted me why I couldn't check my account online. 

She stated the account had been closed. I asked what happened because we have been making automatic payments on time every month and there is no reason for the account to be closed. 

The representative stated that based on information they received from XXXX, they decided to close the account. This makes no sense to me because 1- i am not applying for new credit with them 2- I am not late on my payments in this account XXXX They are not authorized to check my credit if I am not applying for new credit with them As of today, This account is showing in the credit bureau as closed with a balance.
Consumer complaint received 2023-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Albert Corporation (CA)

I, XXXX XXXX, have been a victim of fraud and theft which lead to unauthorized charges on my Albert bank card ending in XXXX. On Friday, XX/XX/XXXX. I reported the crime to XXXX PD, the unauthorized/ fraudulent Albert card transactions were investigated and deemed as felony theft and fraud crimes. 

On Friday, XX/XX/XXXX, I provided the XXXX Police Departments case # XXXX, to Albert for supportive evidence of the fraudulent charges. 

I repeatedly request for Albert to act on the fraudulent charges and have not received adequate consumer support. 

I have repeatedly requested for their response via email 6 times without any response. 

Via text, Albert continues to only text communicate with me, avoiding addressing the fraudulent charges solution. 

I have approximately {$500.00} in fraudulent unauthorized charges on my Albert card that I am requesting for Albert to address immediately. 

Per XXXX PD, no one from Albert had yet reached out to confirm this case and fraud / theft crime. 

I stated that I am requesting immediate attention to this matter due to immediate financial obligations as this fraud occurred on my pay day I also informed Albert that I will also be pursuing legal action for Albert to address this fraud that has left me robbed with damages for approximately {$500.00} as they continue to neglect clear communication with their process in which they intend to carry out
Consumer complaint received 2024-06-18
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. (CA)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My legal name is not recorded on my personal credit profile. The names listed on those reporting agency profiles are not me/mine. I have submitted disputes with TransUnion & XXXX reporting agencies to no avail. Both still show some or all of the inaccuracies as AKA or other names.
Consumer complaint received 2023-09-08
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. (IL)

I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

I was advised by a XXXX and Equifax representative to fill out this report because of unauthorized inquiries on my report. Please remove all of these fraudulent unauthorized inquiries on my report. 

Please remove all of the fraudulent unauthorized inquiries from my report. Thank you for your help. This is hurting my credit and reporting false information for future creditors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Someone opened up a XXXX XXXX car loan and credit card in my name. This is Identity Theft. The Car Loan account was opened on XX/XX/XXXX, Account number beginning with XXXX. The Credit Card account was opened on XX/XX/XXXX, account number beginning with XXXX. I tried to dispute these fraudulent accounts over 8 months ago but the accounts are still illegally reporting to my account.
Consumer complaint received 2023-09-23
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

the dispute was filed so long ago i dont recall each transaction or amount of each transaction but the disputed amount is for {$3100.00} and was filed all the way back in 2021 and my claim is still yet to be resolved. i've submitted all documentaion thats been requested from me and have called countless times as to the status of my claim and each time all they say is we can file a complaint on the timeframe of the claim but that obviously isnt dong any good because wer 're going on 3 years with no resolution to the claim
Consumer complaint received 2023-12-24
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. (MD)

XXXX, XXXX, and Transunion, as reporting agencies, did not receive consent from me, as the individual to whom the record pertains, to disclose any record of my information. Per the privacy act of 1974 No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. An inquiry comes up on a credit report when there is a request to see your credit report from a company or person. This means that in order for a reporting agency to follow the privacy act of 1974 before disclosing my information to a person or company they should contact me and get authorization to do such actions. This was not done, but there are hard inquiries showing on my credit report none of which are linked to open accounts. Not only are they a violation of the privacy act of 1974 because my information was given to these companies without prior consent, but Unless you, as the reporting agency, can provide me with documentation proving these inquiries are linked to an open account on my credit report they need to be removed per 15 USC 1681b.
Consumer complaint received 2023-08-23
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 — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc. (NJ)

Starting on date XX/XX/2023 I started a dispute with this company by mail, another one on XX/XX/2023 by certified mail to get a closed account removed off of my credit report that was paid off and closed! This company has since been closed/shut down all of their locations and is no longer in business! Since this account is closed and outdated while also being no longer collectible, while also not in business any more it should be deemed as not mines and removed immediately. All responses have been non compliant, I demand the deletion of this account immediately.
Consumer complaint received 2023-09-23
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (LA)

I received a credit report alert that my credit had changed. A debt of XXXX was added to collections on my credit. The originator was XXXX XXXX and the collector was sequium. So, I call sequium immediately. I was told that the collections was for services rendered from XX/XX/XXXX. I asked what services and what charges. She told me she didnt know. I asked her repeatedly the same question and how am I supposed to pay a debt I dont know what its for. Oddly enough XX/XX/XXXX is when I started services with XXXX. I still have that same line and services and have made XXXX changes to my account. I looked at every bill from XX/XX/XXXX to XXXX and found nothing. I was actually calling them from the account erroneously sent to collections and explained this to her. She claimed all I can do is dispute it but still owed the debt. 

I called XXXX and spoke to three different departments. Not a single representative can find any charges to my account that would be sent to collections and my account was current and there is nothing on my account for {$990.00}. I even spoke with XXXX internal collections and there is nothing on my account. 

XXXX said they cant do anything and I can file a dispute with the credit company. 

So, in short, my credit has taken a major hit for a bill I never owed and not even XXXX can find.
Consumer complaint received 2024-04-21
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. (WI)

XXXX reported company .has received inaccurate information from XXXX XXXX XXXX XXXX corporation with in correct name which l have on going disputes l Have sent in copies of the bill with Names on the XXXX ( doesn't match ). XXXX XXXX XXXX XXXX has sold my name to collection companies names ( XXXX XXXX  XXXX. Accounts. Whom XXXX XXXX.whom requested same amount money as these XXXX with is Fraud ) months has effect my credit. Score rate for months after l sent in copyies of payments. I have also disputed a company called ( XXXX XXXX XXXX ) which not hasn't changed. I paid this account off in full also provided copies on time payment. In XXXX Credit report shows none payment instead .and consistently affect my credit rating.. My credit advisor attorney. Stated. after this complaint if non response or Change there goin to filed complaint against XXXX. Credit report company. Due to on going denial on application inaccurate information not being research
Consumer complaint received 2024-04-21
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft, identity report number # XXXX ACCOUNT Informations : XXXX XXXX {$2400.00} XXXX XXXX {$790.00} XXXX {$1400.00} XXXX XXXX {$17000.00} XXXX XXXX XXXX
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX knows I made payments in XXXX and XXXX for XXXX the argument was no credit impact. I tried to dispute this. I gave the confirmation payment number. I spoke to XXXX with aspire at XXXX at there cumster service number at XXXX. There still reporting it late and over. I can provide bank statements. If needed.
Consumer complaint received 2024-04-21
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)

I am submitting this formal grievance letter to you along with a request that you take immediate action. 
My credit is being harmed by your non-compliant, inaccurate reporting to the three major credit reporting agencies. The Fair Credit Reporting Act, sometimes known as the FCRA, is being broken by you. Fines and damages could be imposed for the infractions. I am offering you this one final chance to resolve your purported credit situation. I had already warned you in writing that you were reporting in an improper manner. Furthermore, I did include in that request the prerequisite ( s ) you needed to make sure that only compliant data is kept on file. As a result of your clearly ongoing misreporting, unethically non-compliantly reported in that it implies that my sent notice was shockingly neglected.
Consumer complaint received 2024-04-21
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. (NJ)

I am writing this in good faith. The items listed are HARD INQUIRIES on my credit profile/report. None are connected to an open account, and are having a negative effect on my ability to secure credit. I would like them removed from all three of my credit profiles with the following credit reporting agencies : XXXX, TransUnion and XXXX. Thank you. 

XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX TX, XXXXXXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX NJ, XXXX XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX NJ, XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ, XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX MI, XXXX XXXX XXXX XXXX  XXXX  Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX