davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-19
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. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2023-12-05
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. (IL)

I've been disputing these fraudulent accounts on my consumer report for over a yea, I am unable to get employment and housing because of the fraudulent item that don't belong to me on my report. the XXXX are abusing their power and making it almost impossible for me to live and have the informed use of credit. I've submitted complaints sent in disputes to no avail. I am a victim of identity theft I have daughter and we are homeless in the winter time it is cold. THESE ITEMS DO NOT BELONG TO ME. REMOVE THEM
Consumer complaint received 2023-08-01
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NC)

First attempted to send debt validation letter to company. Letter was sent on XX/XX/2023 and company responded more than 30 days letter and only responded because I reached out to you all. Attempted to call the company on today XX/XX/2023, and when asked to speak to a supervisor, spoke with XXXX XXXX, who I believe may be the only supervisor, and who began to laugh when I explained the issue to him, and how I sent the letter via mail and began to raise his voice, and use profanity while on the call. When asked for his name again, he said youre close and mocked me and began to laugh again, stating whoever you want to report to its only one XXXX here so theyll know. I also asked if they was a manager over him and he stated no and disconnected the call.
Consumer complaint received 2023-04-26
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. (AZ)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance XXXX {$30000.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$600.00}
Consumer complaint received 2023-05-09
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 604 Section 604 A Section 2 : As a consumer XXXX/ reporting agency can not furnish an account without my written instructions. YOU DO NOT have my permission. 

Please DELETE ALL HARD INQUIRIES and accounts that are reported incorrectly.
Consumer complaint received 2023-11-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am not liable for this debt with XXXX XXXX XXXX I do not have contract with XXXX XXXX. the debt listed on my credit report does not belong to me! it is fraudulent. I looked at my credit report and noticed an unsual collection. It was completely unauthorized, done without my consent, I have in the past lost my personal credentials while searching for a job in which I had my social security card which I believe someone possibly stole my information. Please kindly I ask that remove this debt collection off my credit report!!!
Consumer complaint received 2023-07-07
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: Experian Information Solutions Inc. (CA)

I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. The bank already agreed to update the status of this account to Open/Never Late : XXXX XXXX XXXX Please repair and update.
Consumer complaint received 2018-09-07
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Bliksum, LLC (CA)

I received a letter dated XX/XX/2018 from XXXX , XXXX . In the letter they threaten to contact my employer and attach my wages. In the letter the only give me five days to  respond from the date of the letter which I received in the mail on the fifth day of the date of the letter. 

They repeatedly contact me on my company phone and called my employer numerous time asking for me and my whereabouts causing concern with my employer. 

On XX/XX/XXXX XXXX  had a process server come to my place of employment and serve my Human Resouces Department with a Plaintiff 's Claim and Order to Go to Small Claims Court. I received urgent messages from Human Resources with concerns of this  matter and action. 

On XX/XX/XXXX another envelop shows up at my place of employment, this time the letter is addressed to my employer with no reference to me on the envelope. So my employer opens the letter and was very concerned that I may be having financial problems. This has caused me undue hardship and embarrassment with my employer which is now have a negative impact on my employment. 

I have copies of the proof of these actions as I described them to you. 

I wrote a letter dated XX/XX/XXXX in response to the threatening letter XXXX sent me on XX/XX/XXXX. I sent it to XXXX as a certified letter with receipt from the USPS. In my letter I demand that XXXX stop the harrassing calls to my employer and me during work hours. I tell them that they are breaking several articles of the Fair Debt Collections Act,  and list each article they are breaking. I ask them to remove any and all negative debt reporting on my credit report. I warn them that I will file a complaint with the Federal Trade Commission in an effort to get XXXX to stop these damaging actions against me. 

I have written a letter to XXXX, XXXX in response to their filing of Claim with the Superior Court of California , County of XXXX XXXX. I address their action of contacting my employer when they knowingly have my home address. These actions are unlawful and I need help to get XXXX  to stop these unlawful acts. I would like to also ask for any fines to be paid to me for each unlawful act as set forth with the Fair Debt Collections Act. 

I have called prior to all this asking to settle the debt and offered payments, but they only wanted their interest payments in excess of 100 % interest. 

Thank you for your help in bringing this company to start following the Fair Collection Practices Act. 

Respectfully, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am initiating a formal complaint with the Consumer Financial Protection Bureau in response to an ongoing concern pertaining to my credit report. The crux of the issue lies in the presence of inaccurate information within my credit history, specifically, data that has no relevance or association with me. Despite my proactive efforts to address this discrepancy by reporting the incident to all three major credit bureaus, I have unfortunately encountered a lack of resolution. Consequently, I humbly request the diligent removal of this erroneous account from my credit report, as its continued presence negatively impacts my financial standing and reputation.
Consumer complaint received 2018-09-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Gatestone & Co. International Inc. (CA)

Received a call from Gate stone and asked to verify my information. Didn't give me any details why I needed to verify my info so I wouldn't. They threatened me repeatedly yet I still wouldn't verify without information. I'm afraid they have personal details on me that could negatively affect my life but they will not give me any detail.
Consumer complaint received 2023-11-19
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. 

XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : 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 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. 

These end accuracies are stopping me from the ability to buy new appliances for my home or make any major repairs needed. In addition, I was about to get hired for a new job but i was denied because of my credit issue.
Consumer complaint received 2018-09-07
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 (TN)

Wells Fargo XXXX date open XX/XX/XXXX date closed XX/XX/XXXX Failure to report any on time payments in this time frame. Incorrectly reporting past due payments. Failure to provide physical document verification to include contract, payment history, monthly balance, etc. as requested numerous times. 

These errors are negatively affecting my credit score, my ability to obtain credit, and my reputation. Wells Fargo Credit has had more than enough time to correct or delete this information. According to the FCRA they continue and knowingly are in violation and can be held accountable for actual and punitive damages.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXXXXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-09
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2018-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

I use Chase bill pay to pay my regular bills. On XX/XX/18 I paid my trash company the monthly invoiced amount of {$120.00}. On XX/XX/18 someone at Chase bank changed the vendor name and address without my knowledge or consent and mailed the check to this erroneous vendor. The vendor is not related to my vendor and I had to pay the amount again to the correct vendor.

When I contacted the bank they said they were contacted by the new vendor and changed the information based on " valid documentation '' and that they do this regularly. They said they can not provide me with that documentation because it is confidential. I received no notice or confirmation of the change by the bank of vendor information in my personal online profile. The change is NOT valid and the real vendor is not aware of why they would have made this change, and required me to pay the bill in full again.

Chase said they would investigate to see if the correct vendor was paid - when asked they said that means if the vendor name on the check is the vendor that cashed the check. That doesn't help me! The vendor name is wrong, I did not make that change they did, and now I am just out {$120.00}? I guess I can't trust Chase bill pay any longer?

I also contacted their online banking division who said they will get back to me, but it did not sound like I will ever get a satisfactory answer to this issue, nor any assurance that it will not happen again. Is that legal for them to change my vendor information without telling me???
Consumer complaint received 2018-09-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (TX)

I have a Navinet and loan. 

I am having trouble making the payments because of an inadequate employment They have been Robo calling my work phone which is my cell phone I am a XXXX  Are use my phone throughout the day to look up medications and other XXXX treatment plans.

I can get anywhere between 15 to 25 calls a day.

It disrupts my ability to conduct my job. I can not work affectively taking 15 to 25 phone calls per day shift I have asked them to stop on multiple occasions. I have received eight phone calls already this morning and its only XXXX XXXX  Please make them stop Robo calling my cell phone incessantly
Consumer complaint received 2023-08-30
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-11-18
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. (TX)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. I HAVE ATTACHED MY FTC REPORT PER THEIR WEBSITE! 

I have disputed these fraudulent inquiries multiple times with Transition and they kept ignoring my request. So i'm filing a complaint against their company as they are not taking my credit seriously and this is affecting my credit worthiness. Again I recently reviewed my credit report and noticed several unauthorized inquiries. Please remove these immediately as they do not belong on my report, and they are affecting my quality of life. I am being denied because of these excessive inquiries and they need to be removed immediately.
Consumer complaint received 2023-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

My husband died on XX/XX/XXXX. On XX/XX/XXXX, Citizens Bank withdrew his XX/XX/XXXX Social Security payment, which was his benefit for the month of XX/XX/XXXX. Apparently, this is common bank practice, but it is wrong. The banks should know that Social Security is always paid for the previous month, not the current month. I had to spend an hour on the phone with Social Security and needed to complete a form to get the money back. However, it will take 2-3 months for that to happen. 

I have a pension and can get by for a few months without this money. However, if a person relies totally on Social Security and this happens to them, after losing his/her spouse, it would create a terrible hardship for them.
Consumer complaint received 2018-09-07
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. (MA)

XXXX XXXX checked their database of XXXX XXXX publicly breached accounts and my email address ( XXXX ) showed up in 1 data breach. That means my online accounts and personal info may be compromised. XXXX XXXX XXXX ( also known as XXXX XXXX XXXX ), originally incorporated in the state of Wyoming, is no  longer in business. In XX/XX/2017 a massive trove of data from XXXX XXXX XXXX was found exposed online. The data was found to contain almost XXXX XXXX records including email and XXXX addresses, names and physical addresses all of which was used as part of an enormous spam operation. Once de-duplicated there were XXXX XXXX unique email addresses within the exposed data., also I am part of the data breach that occurred with XXXX XXXX XXXX Equifax and the IRS XXXX I am following the advice from the FEDERAL TRADE COMMISSION on filing a complaint. I have contacted the police department, all 3 credit bureaus and XXXX XXXX XXXX XXXX to make them aware of the Identity Theft and disputed. Nothing has changed and this is not right. I am disputing all of the following information due to be incomplete and innacurate : XXXX XXXX XXXX XXXX XXXX # XXXX )