davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-08
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. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request : XXXX XXXX XXXX XXXX XXXX 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 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Equifax is using a completely wrong information to generate a credit score which is ilegal since I am acknowledging that is not my SSN. That should be taken down no matter what. I dont want to have them report any score not even my personal score. I just need it to be taken down is affecting my business.
Consumer complaint received 2024-01-08
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. (FL)

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TX)

I opened a Citibank checking account XX/XX/2024 over the phone. Sent over copies of my Driver License ( front and back ). Received debit card and set up XXXX onXX/XX/2024. Set up direct deposit on XX/XX/2024. Made two deposits thru XXXX to fund account on XX/XX/2024. On XX/XX/2024 I check my mobile app to find my account was changed to blocked. Contacted citi bank over 30 times trying to resolve the issue. They claim to have left voicemails with reference number. That would be the only way to verify my account. There calling an old number I had, they found on a credit bureau even though Im telling them I dont have that number anymore. Ive asked to just close the account and send me my Direct Deposit funds to no avail. Citi bank wont close the account they wont verify me and they are holding my pay check. Ever agent I speak to gives me a different reason whyIm not getting my funds. Today is XX/XX/2024 and things have still not been resolved.
Consumer complaint received 2024-01-08
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. (CA)

According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

I was making a purchase through XXXX from my Chase XXXX account in XXXX XXXXHowever, the price was different than I was charged. XXXX recognized they created the issue, and submitted me a letter stating that they XXXX used my account and charged me an unauthorized amount charge to my account. Which then overcharged my account. I covered the amount in my account and I faxed the information to Chase Bank. however they say it wasnt received. 4, days later the same unauthorized transaction reflects again in my account and my account again is overdrawn. Yet this time chase has created this monstrosity and I have to cover it. However they blame XXXX but my XXXX account does not reflect another order or any order regarding my newest chase debit card number.
Consumer complaint received 2024-01-08
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. (CO)

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-05-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (TN)

I don't recall having a contractual relationship with this collection company CAINE & WEINER COMPANY , INC.. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-01-08
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. (CO)

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX Original Creditor : XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-09-25
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. (OH)

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. 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 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. 
The following is the list : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-25
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P. (AL)

Recently on XX/XX/year> an individual claiming to be a representative of LVNV Funding LLC came to my place of residence and has been harassing me through phone calls. The individual came back again on XX/XX/year> both times at night and they were banging on my door ; additionally, they left me threatening voice message about knowing what car and vehicle I drive. I have never spoken directly to someone at LVNV Funding LLC nor have I signed a contract with anyone from this company ; moreover, this individual is harassing my family and they are afraid someone is going to keep coming to my home. This needs to be addressed immediately or I will have to file a complaint with my local police department about these horrific actions.
Consumer complaint received 2024-05-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (CA)

There are inaccuracies in my credit report, which is unjust for me. I ask that you investigate this matter and resolve it. I am really upset and annoyed with these issues. If there are no updates on my inquiries, I will proceed with legal action.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

DELETE HARD INQUIRIES. 

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer inges to privacy and confidentiality under 15 UC 1681 The accounts below have violated my rights 15 USC 1681 section 602A, States I have the night to privacy 15 USC Bar Section 004 A Section 2 : It also states a consumer reporting pency camot Sumish a account without my written instructions 15 USC 1681c. ( a ) ( 5 ) Section States no consumer reporting agency may maka any consumer report containing any of the following items of information Any other adverse em of information, other than records of of convictions of crimes which antedates the report by moe than seven years 15 USC 1681-2 ( A ) ( a ) A person shall not furnish any information relating to a consumber to any consumer reporting agency if the person knows or has reasonable cause to believe that Information is inaccurate. 

Delete the accounts bellow : XXXX XXXX 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 2024-01-08
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. (NY)

I DID NOT SIGN A CONTRACT WITH Transunion. Transunion VIOLATED 15 USC 1681b-PERMISSIBLE PURPOSE of consumer reports, THE LAW CLEARLY STATES that : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you, Transunion written instructions to furnish this on my credit report?

I never gave Transunion any written or verbal consent to report anything on my consumer report. THIS DISPUTE IS COMING DIRECTLY FROM MEEE!!!!

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as the transactions or experiences between the consumer and the person making the report ; I AM DEMANDNG TRANSUNION TO DELETE/REMOVE THE FOLLOWNG ACCOUNTS LISTED BELOW FROM MY CONSUMER REPORT.

. VIOLATED 15 USC 1681b-PERMISSIBLE PURPOSE-NO WRITTEN CONSENT XXXX XXXX Account Number XXXX XXXX As a consumer by law this account must be deleted immediately 2. VIOLATED 15 USC 1681b-PERMISSIBLE PURPOSE-NO WRITTEN CONSENT XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Consumer complaint received 2024-05-21
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Corp Solutions Inc. (IL)

I am writing to inform you of my intention to pursue legal action against Credit Corp Solutions for its flagrant violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically sections 15 USC 1692 805, 806, 807, 808, and 809. Despite numerous attempts to rectify the situation, Credit Corp Solutions has persistently engaged in deceptive, abusive, and unfair debt collection practices, thereby breaching federal consumer protection laws. 
On multiple occasions, I have been subjected to harassing and abusive communications from your company, both through phone calls and written correspondence. These actions not only violate my rights under the FDCPA but also demonstrate a blatant disregard for ethical debt collection practices. Furthermore, your attempts to mislead and intimidate me into paying an alleged debt without proper validation are in direct violation of the law. 
I have diligently documented each instance of misconduct by Credit Corp Solutions, including the dates and details of communication, as well as relevant complaint IDs filed with the Consumer Financial Protection Bureau and XXXX XXXX XXXX XXXX. It is abundantly clear that your company 's actions are not only unethical but also illegal. 
Therefore, I demand that Credit Corp Solutions immediately cease all communication and collection efforts related to the alleged debt in question. Additionally, I will be seeking compensation for the damages incurred as a result of your unlawful actions, including but not limited to court costs, attorney fees, and statutory damages as provided for under the FDCPA. 
If Credit Corp Solutions fails to comply with these demands within 30 days of receiving this letter, I will have no choice but to pursue legal recourse through the appropriate channels. I am fully prepared to take this matter to court and let a judge decide the appropriate course of action.

Total Potential Costs ( State of Illinois ) : 1. Court fees : Based on Illinois fee schedule for filing a civil lawsuit 2. Attorney fees : Based on typical attorney rates in Illinois for handling FDCPA cases 3. Statutory damages : As per FDCPA guidelines, up to {$1000.00} per violation. 
Please be advised that I am prepared to vigorously pursue this matter until justice is served. 
I relevant documentation supporting my claims and all your correspondence the file is too big. 
XXXX XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX Consumer Financial Protection Bureau Complaint ID - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX Filed a complaint with XXXX
Consumer complaint received 2023-06-20
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: HW Holding, Inc (FL)

I have called the companies thats on my credit report and they was given me the runaround and not given me actual information about my credit. I told them some of them I dont even have knowledge of at all.
Consumer complaint received 2024-01-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I am writing to express my extreme frustration and anger regarding the negative payment status on my credit report for an account that is being incorrectly reported as a late payment account with a balance due. I have reached out to INDIGO - CELTIC BANK regarding the validity of the debt, but they failed to provide any proof of the alleged late payment. Therefore, I demand that you provide proof that this account was 30 days late and update the balance to { {$0.00} } or delete the negative payment status on this account immediately. The account in question is : XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/2019 Balance : {$190.00}. Despite my repeated attempts to resolve this issue with both INDIGO - XXXX BANK and your bureau, I have faced nothing but obstacles and delays. It is unacceptable that this negative payment status is still on my report, and I demand that it be removed immediately. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( XXXX ).
Consumer complaint received 2024-05-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (TN)

I don't recall having a contractual relationship with this collection company CAINE & WEINER COMPANY , INC.. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-01-08
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)

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 2023-05-17
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: Experian Information Solutions Inc. (OH)

I would like to make a follow up on my complaint that you closed XX/XX/XXXX. Everything wasn't addressed well. I am asking you to have US DEPT ED which is a multiple account with the same account number of XXXX opened in XX/XX/XXXX, XXXX  with an account number XXXX opened in XX/XX/XXXX, multiple account of US DEPT OF EDXXXX with the same account number of XXXX opened in XX/XX/XXXX, XXXX XXXX with an account number of XXXX opened in XX/XX/XXXX, XXXX XXXX with an account number XXXX opened in XX/XX/XXXX, and an untitled account, it has no account name but its account number is XXXX opened in XX/XX/XXXX be deleted from my credit file.
Consumer complaint received 2024-05-21
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NJ)

This is the continuation ( NOT DUPLICATE ) of CFPB case XXXX. ( Company internal case XXXX ) The reason I re-submit the complaint is that the XXXX XXXX XXXX PROMISED to send me refund check of {$1500.00}, BUT they only actually sent me check of {$1000.00}. Please see attachment of the check stub for the detailed amount info.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC (MS)

In this case My Debt Was Sold to an Illegal Debt collector and they are creating false and negative reports on my credit which consumers law prohibits.Under USC CODE ( 5 ) 1692 Contract was broken after they sold my debt. So by law I am not obligated to pay a on a broken contract.If So, I would like the Original Creditor To send me the Documentation Validating they are in fact the Original Creditor or For National Credit Adjuster Prove the have A DEBT COLLECTOR LICENSE Below will show that the debts collector has documents that I DONT GIVE CONSENT TOO.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

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 2024-01-08
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. (FL)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-05-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (TN)

OnXX/XX/2024, I received an alert that a collections balanced increased from {$310.00} to {>= $1,000,000}! 
This account was reported as fraudulent with police reports and an FBI report. They decided to do more damage to my credit report than actually removing the fraudulent account. 
If this is not removed within 7-10 business days, I am going to file a lawsuit for defamation of character for damages and I have already consulted an attorney.