davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-16
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. (MO)

XXXX XXXX Attn : Customer Service XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Request for Removal and Deletion of Personal Information XXXX XXXX # XXXX, # XXXX Dear Sir/Madam, I am writing to request the removal and deletion of my personal information from XXXX XXXX 's records and databases. It has come to my attention that there is inaccurate information associated with my name, and I wish to have my profile entirely expunged from your system. 

I want to emphasize that I have never engaged in any business dealings with XXXX  XXXX, nor have I ever held any accounts, made payments, or otherwise interacted with your company. Yet, there appears to be erroneous data attributed to me within your records. 

In light of the aforementioned, I kindly request that you promptly undertake the necessary actions to remove and delete all information related to me, XXXX XXXX, from your system. This includes but is not limited to any accounts, personal data, and associated records. 

I understand the importance of data accuracy and compliance with data privacy regulations. I trust that XXXX XXXX will take the necessary steps to ensure that my information is completely removed and that any traces of my presence within your databases are permanently deleted. 

I kindly request written confirmation that my information has been successfully removed from XXXX XXXX 's records. This confirmation should outline the specific actions taken to address this matter. 

I appreciate your immediate attention to this request and look forward to a swift resolution. If you require any additional information or have any questions, please do not hesitate to contact me at [ Your Phone Number ] or via email at [ Your Email Address ]. 

Thank you for your assistance in resolving this matter. 

Sincerely,
Consumer complaint received 2023-10-16
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. (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 2023-10-16
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. (NY)

VERIFY THE INFORMATION OF THESE ACCOUNTS THAT ARE INCORRECT AND REMOVE THEM FROM MY REPORT. 

XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-10-28
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. (MI)

I have two fraudulent accounts on my transunion report. One for XXXX XXXX and another for XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX I have sent in police reports and nothing has happened, if they do not fix it I will sue the credit agency
Consumer complaint received 2023-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

On XX/XX/2023. I opened a checking with Citizens Bank. They had a promo Where you can earn up to {$400.00}. {$300.00} for having a direct deposit of at least {$500.00} in 90 days. And another {$100.00} if you activate and use the debit card for at least 60 days. Its been way longer than that and I still havent received my bonus money yet. Tried calling support about and they werent of much help.
Consumer complaint received 2023-08-05
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. (IL)

I've been trying to resolved this for month. Transunion is illegally reporting information. They are breaking at least 3 credit laws. I NOW have notarized my complaint. Please remove from my credit report.
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Pursuant to 15 USC 1666b A creditor may not treat a payment on an account under and open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this titled is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is my NUMEROUS 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Multiple unauthorized inquiries were made on my credit report within a single day. I have duly notified TransUnion of this discrepancy ; however, a resolution has yet to be reached. In light of this, I attach the report filed with the Federal Trade Commission for identity theft and respectfully request that all unauthorized inquiries be removed from my credit report with utmost haste. I express my deep appreciation for your prompt attention to this matter.
Consumer complaint received 2023-10-16
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. (TX)

Please remove the following hard inquiries from my credit report since these items were not authorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-16
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. (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. 

Account Name : XXXX XXXX Account Number:XXXX Account Name XXXX XXXX Account NumberXXXX has violated my rights. Or a 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 2023-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Zions Debt Holdings (TX)

Zion is a debt collector. They purchased a " debt '' from XXXX. 

XXXX : I signed a XXXX contract with XXXX. Payment of {$33.00} made. Almost immediately, I was not happy with their service. I asked to cancel and I was told that there is a 30 day notification required for cancellation. I confirmed that I would like to cancel. I was told by XXXX customer support that a cancellation packet would be emailed to me. 
XXXX : Payment of {$33.00} made. Called requesting cancellation packet. It will be emailed to me. 
XXXX : Payment of {$33.00} made. Called requesting cancellation packet. It will be emailed to me. 
XXXX : Payment of {$33.00} made. Called requesting cancellation packet. It will be emailed to me. 
XXXX : Payment notification email received. I replied in writing that I would like a cancellation packet. 
XXXX : Cancellation contract signed. 

As you can see, I attempted multiple times to cancel this service before successfully doing so. I do not know why I have a reported debt of {$220.00} when XXXX actually reports my account in good standing with a {$0.00} balance on XXXX. 

I guess XXXX recently sold this " debt '' to Zion and now they've filed fraudulent reports with XXXX and XXXX. XXXX does NOT show any negative reports.
Consumer complaint received 2023-07-01
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: MARINER FINANCE, LLC (TX)

This company, Mariner Finance is reporting a delinquent loan in the amount of {$5500.00} on my credit report inaccurately/fraudulently! I have spoken with this company numerous times regarding this and they advised that there was also insurance purchased with this loan that pays the monthly payments on this loan if a person loses their job or any other reasons it cant be paid. That also did not happen and was a lie! I then spoke with a lady at this company and she very rudely stated to me that since I dont have anything else to do throughout the day, that I can call them and send them certain documents that I did not have! This company has been very inappropriate and disrespectful to me! They are inaccurately reporting this to my credit report.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that those charges be removed. 

I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file.

I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.
Consumer complaint received 2023-07-01
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

XXXX XXXX Two gift card purchases were made from XXXX fir a XXXX  gift card needed in order to pre pay for XXXX  account they told me I need to prepay because XXXX  has teamed with them for this promotion. The XXXX  scammers had there lines customer service exactly like XXXX, I would literally call and get XXXX  customer service that was set up so well. I applied for dispute and was denied. Im so upset that I was manipulated and my bank did nothing to help me. I have kids and single working mom. I really cant afford to loose this amount. Please help me resolve this issue.
Consumer complaint received 2023-10-16
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

Portfolio Recovery stated in a response to prior complaint that they never received information or documentation from XXXX XXXX requesting proof that XXXX XXXX AKA Portfolio Recovery LLC never received nor heard from XXXX XXXX disputing said Account. Also in Response from Portfolio Recovery on said account that first missed date or default date was XX/XX/XXXX when first said missed date or default date was XX/XX/XXXX provided by Portfolio Recovery LLC themselves. When in fact XXXX XXXX sent certified letters as well as emails disputing said Account in which in fact I had a response from a representative from Portfolio Recovery on this matter from there dispute department that Portfolio Recovery stated they never received any correspondence from XXXX XXXX disputing the said account.
Consumer complaint received 2023-10-16
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. (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. 

Account Name 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 a 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 2023-08-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc. (LA)

Unifin keeps calling and messaging me about a debt I do not owe. I just recently turned XXXX ; I don't even have a credit card and have never taken out a loan, not even student loans. They have absolutely no reason to be contacting me. Many other customers have lodged complaints about them and frankly this is ridiculous.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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. 

Account Name 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 a 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 2023-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PNC Bank N.A. (GA)

I traveled to XXXX XXXX in XXXXXXXX XXXX  on XXXX ( XXXX ) separate occasions ( dates listed below ). I paid for the reservation with a completely different bank card, but I utilized my PNC XXXX XXXX card for the {$50.00} resort incidental charge for all XXXX ( XXXX ) separate occasions. Upon checking out each of the XXXX ( XXXX ) separate occasions, XXXX XXXX in XXXX, XXXX  released the {$50.00} incidental immediately, however the funds HAVE NEVER been returned by PNC XXXX XXXX and in fact, have recently found out that PNC XXXX XXXX added an additional 15 % charge to each of the {$50.00} incidental charges totaling each separate XXXX ( XXXX ) occasions to {$57.00}. Upon calling PNC XXXX XXXX customer service several times, I have been repeatedly told that the charges are not visible. I then call back to customer service and told that the charges are miraculously visible but in a pending state, and has that additional 15-20 % surcharge in addition to the incidental that PNC XXXX XXXX blames on the resort and or hotels. PNC XXXX XXXX has given me an expectation of XXXX hours ( XXXX  days ) for funds to be released, however its been well over the XXXX days and funds have not been returned. Ive called and called to rightfully have my money returned from PNC XXXX XXXX as they are stealing, scamming and fraudulent charging and holding customers funds. Please see XXXX XXXX dates below. 

Between XXXX XXXX XXXX Between XXXX XXXX XXXX  Between XXXX XXXX XXXX Between XXXX XXXXXXXX XXXX Between XXXX XXXX XXXX Between XXXX XXXX XXXX - - - - - - - - - - - - - - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - The same incident occurred between XXXX XXXX XXXX  XXXX XXXX XXXX, as I paid a {$50.00} incidental but PNC XXXX XXXX charging me an additional 15-20 % more than the incidental and then claiming the charges arent visible, then retracting that statement and stating that funds will be reversed in XXXX hours but never happening. 

I also have a pending transaction between XXXX XXXX XXXX with a completely separate XXXX XXXX where my total was {$130.00} for the room and with the {$50.00} incidental is {$180.00} out the door. However PNC XXXX XXXX billed me {$210.00} which is an additional {$25.00}. I am including the pending transaction as well to ensure I receive that incidental and the extra percentage PNC XXXX XXXX charges back immediately as well. 

This is corporate theft, fraud and scamming from PNC XXXX XXXX and all my money needs to be returned immediately and Im certain Im not the only person they do this to, but I refuse to be bullied, stolen from, scammed and defrauded and I will continue to file complaints and on the verge of a class action suit.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. 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.