davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-30
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. (TX)

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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-29
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. (MO)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, 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.
Consumer complaint received 2024-05-22
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 Account Number:XXXX Account Name : XXXX XXXX Account Number: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 2022-11-22
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. (GA)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-22
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. (FL)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2024-05-22
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. (SC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2022-11-21
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. (IL)

I sent a letter on XX/XX/22 to 3 credit bureaus to remove erroneous accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (FL)

I am XXXX of a XXXX XXXX that has a checking account with Truist. This is 100 % nonprofit and there are no paid employees and no one receives compensation. We are the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL. XXXX XXXX  we noticed XXXX charges on our checking account. The organization does not have an XXXX account nor has made any XXXX charges. I called an cancelled the debit card. XX/XX/ we see not only were the charges not reversed but they had continued totalling around {$800.00}. We have called several times and in XX/XX/ did receive a notice by mail ( attached ) detailing the disputed charges. The charges still have not been reversed and everytime I call we get no answers. I then went to our branch manager who said she would look into it and get back to me. She did not and I have been calling every few days for 3 weeks now and every time they say she is " with a customer. '' Calling the XXXX over and over and staring with a new person is time consuming and extremely frustrating. It is completely unacceptable that Truist does not properly handle fraud cases. THE FRAUDEULENT XXXX CHARGES ON OUR ACCOUNT NEED TO BE REVERSED.
Consumer complaint received 2024-05-22
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquiries and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXXXXXX XXXX XXXX data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX  XXXX XXXX Balance : {$8700.00}
Consumer complaint received 2023-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (NV)

XX/XX/XXXX XX/XX/2023 cash advances against credit cards 3 devices 2 credit card and 1 cash reserve to bank account for a total of XXXX dollars. Contacted bank card fraud on XX/XX/2023 that I did not make these advances and they rejected my claim on XX/XX/2023. The credit card advances were XXXX and XXXX and the reserve trans action were charge of XXXX and XXXX plus additional fees and interest I closed the accounts and opened new accounts.
Consumer complaint received 2024-05-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ACIMA CREDIT, LLC (KY)

There was a ACH Debit transaction from a leasing company ACIMA XXXX XXXX WEB ID : XXXX on XX/XX/XXXX for the amount of {$920.00}. This is completely unauthorized transaction and I never opened any transaction through Acima. I called my back XXXX  and reversed that transactions on XX/XX/XXXX. 

I received a email from Acima last week that next month payment is scheduled and the auto payment is currently blocked so asking me to make the payment. When I called them i came to know that somone has made some purchase giving my account number and routing number of my XXXX Checking account. In order for them to block/cancel that account they need the policy compliant number.
Consumer complaint received 2021-01-10
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. (CA)

I called to dispute fraudulent inquiries on my credit report. Equifax refuses to remove them and they are telling me to contact 24 companies myself. When I asked where does that say so in the fair credit reporting act, the representative hung up in my face. This is not the first time that equifax has done this and gotten away with such negligence. They are trying to avoid their duties of upholding the laws that were put in place to protect consumers against fraudulent activities.
Consumer complaint received 2024-05-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Elevate Recoveries, LLC (TX)

I received a phone call from a debt collector asking for payment or I would have to go to court if payment not received. I then checked my credit report and found on XXXX {$600.00} nonpayment on my file. After speaking to an XXXX agent I decided to dispute the charge and placed Fraud alert on my account.
Consumer complaint received 2024-05-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Allen & Withrow (OK)

Allen & Withrow Attorneys at Law located at XXXX XXXX  XXXX XXXXXXXX XXXX XXXX AR filed a suit against me for a time-barred debt on XXXX. I contacted the attorneys office by mail stating they were in violation of the FDCPA regulations and to stop any further proceedings in court. They have failed to do so and are continuing the suit.
Consumer complaint received 2019-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AZ)

A charged-off privately-held ( non-government insured ) education loan charged-off trade line is showing an inaccurate Date of First Delinquency on Equifax credit report. The item was already previously disputed directly/via Equifax and furnisher returned 'verified as accurate ' which led to escalating this matter to the Consumer Financial Protection Bureau XXXX This complaint is in regard to the following account : XXXX ( Original lender : XXXX XXXX XXXX XXXX hereafter referred to as XXXX XXXX  XXXX XXXX Box XXXX XXXX XXXX XXXX PA XXXX Acct # XXXX Date of First Delinquency showing on Equifax credit report : XX/XX/XXXX Actual Date of First Delinquency ( date upon which payments were at least XXXX days past due ) : XX/XX/XXXX A complaint was previously filed with Consumer Financial Protection Bureau against XXXX for this account. XXXX responded XX/XX/XXXX admitting that the account became due XX/XX/XXXX and entered repayment. No payments were made, hence XXXX  days from this date would confirm the date of first delinquency actually being XX/XX/XXXX. 

XXXX went on to confirm that they illegally re-aged the debt by changing the Date of First delinquency to the time frame in which my bankruptcy was discharged in XXXX ( see attached evidence, language highlighted XXXX. The Date of First Delinquency lawfully can not be changed when an account is never brought current, hence why it is termed Date of *First* Delinquency. Furthermore, as student loans of any kind can not be included in bankruptcy, the bankruptcy would be irrelevant to this trade line.
Consumer complaint received 2024-05-02
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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TN)

I have requested on several occasions that this company pr the credit bureaus provide me with the original lease with my signature so that I may see who has authorized or allowed someone to have such contract in my name. I requested this via credit bureau disputes on XXXX, XXXX and XXXX. XXXX and XXXX have yet to provide me with proof of anything and either ignore my request or say that this large debt can't be found under my social when it it clearly there in collections. I have never entered into any contract, nor did I apply to, visit or ever contact this apt complex. No one has provided the manor in which this acct was verified. I was contacted by the debt collector genesis /columbia ( they are using different names ) asking that I provide them with my personal bills, current lease or Deed unmongst other personal documents to prove to THEM that I live elsewhere. This is outrageous and I can no way live in multiple places and collect apt debt when I have never even seen these Apts. This company is also not licensed in my state to collect debt.
Consumer complaint received 2023-06-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

ON XXXX XXXX XXXX LOAN MART GAVE ME A LOAN OF {$2600.00} AT THE AGREED YEARLY INTEREST RATE OF ONE HUNDRED TWENTY EIGHT POINT NINETY TWO PERCENT ( 128.92 % ) AGAINST MY CAR XXXX XXXX AS A GUARANTY SO FAR I HAVE PAID {$20000.00} NOW STILL I HAVE AN OUTSTANDING BALANCE OF {$3000.00} I INDEED APPRECIATE LOAN MART 'S ASSISTANCE, WHEN I NEEDED THE MONEY, BUT AT THIS POINT, WHEN I AM PASSING THROUGH A VERY TOUGH FINANCIAL SITUATION, I RESPECTFULLY REQUEST MY DEBT TO BE SETTLED WITH A FINAL PAYMENT OF {$1.00} WAVING THE REST FROM THE PRINCIPAL. 
OVER THE PAST SIX YEARS, THE INITIAL FINANCED AMOUNT HAS ALREADY BEEN PAID MORE THAN SEVEN AND A HALF ( 7 1/2 ) TIMES. 
IF I WAS IN A BETTER FINANCIAL SITUATION, I WOULD NOT MIND CONTINUING PAYING MONTHLY PAYMENTS. BUT AT THE PRESENT TIME I CAN NOT, DUE TO VERY POOR BUSINESS RESULTS DURING THE PAST SEVERAL YEARS, THAT DRAINED ALL MY LIFE SAVINGS.
Consumer complaint received 2024-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2022-11-22
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (NV)

It was some small unauthorized deposits made into my account that I had any control of or anything to do with. I never did business with these people and I have no idea why this happened. In result Navy federal closed down my XXXX  account permanently. I feel this was very unfair for me to get punished for something I had no control over. I feel the bank is supposed to protect my money not punish me for my account being hacked. I very upset with this matter. I can't believe what has happened. I want to matter looked into, and I want to make sure I report to matter because now I feel is my money is not safe with institution.
Consumer complaint received 2022-11-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NV)

In XX/XX/2021 I made purchases on my Comenity Bank card at XXXX XXXX XXXX XXXX. In XXXX I realized that I never received a statement. Not paper nor email. I called them and paid the full amount of XXXX $ on XX/XX/XXXX. End of XXXX I called them to cancel the card since I was upset they fail to send me statements.Over the phone they advised me that I have another XXXX $ in late fees for which again I was NOT notified. I paid the full amount. Confirmation number for the card cancellation was XXXX. The card was yet never cancelled by them. The same week my credit score dropped from XXXX to XXXX. Comenity had reported me as over XXXX delinquent. Although I paid the pull amount in XXXX they have charged me XXXX $ late fee AFTER I had paid the pull amount. Those XXXX $ had accumulated to XXXX $ and they reported me delinquent. In XXXX I called them trying to dispute. Although they admit it was wrong and they reimbursed me the XXXX $ ( confirmation XXXX ) they say that once reported they can not unreport the late payment. 
I have tried reporting with all three bureaus but nobody can amend Comenitys initial fraudulent charge. I have not changed my email or address in the last XXXX years. And although I complained in XXXX that I no longer receive statements, they failed to notify me of any late charges. I believe Comenity bank knowing charges their customers fraudulent charges and fails to notify them in order to collect fees.
Consumer complaint received 2024-05-02
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE (GA)

XXXX total. 
two refunds at XXXX and XXXXXXXX XXXX XXXX XXXXXXXX # XXXX case # XXXX case # XXXX XXXX XXXX XXXX was address XXXXXXXX XXXX XXXX XXXX XXXX ga XXXX now my address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ga XXXX emails - XXXX XXXX XXXX XXXX I want my refund that they messed up and sent to someone I don't know
Consumer complaint received 2023-05-26
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: Experian Information Solutions Inc. (NY)

XXXXXXXX XXXX XXXX  XXXX Experian XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan Auto Loan Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$710.00} {$710.00} {$710.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$28000.00} {$28000.00} {$28000.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$34000.00} {$34000.00} {$34000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$280.00} {$280.00} {$280.00} Payment Status : Late 30 Days Late 30 Days Late 30 Days Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Auto Fixed rate Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE
Consumer complaint received 2022-11-29
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: EQUIFAX, INC. (MO)

In accordance with the Fair Credit Reporting Act the companies listed numerically below are violating my rights. 

XXXX. ) XXXX Account # XXXX XXXX. ) XXXX XXXX Account # XXXX XXXX. ) XXXX XXXXXXXX Account # XXXX XXXX. ) XXXX Account # XXXX XXXX. ) XXXX XXXX XXXX Account # XXXX XXXX. ) XXXX XXXX Account # XXXX XXXX. ) XXXX Account # XXXX XXXX. ) XXXX XXXX  Account # XXXX XXXX. ) XXXX Account # XXXX XXXX. ) XXXX XXXX XXXX Account # XXXX XXXX. ) XXXX Account # XXXX XXXX. ) XXXX XXXX Account # XXXX XXXX. ) XXXX XXXX Account # XXXX XXXX. ) XXXX XXXX Account # XXXX XXXX. ) XXXX XXXX XXXX  Account # XXXX 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 : Also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-07-27
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. (OH)

XXXX XXXX shows late 30 days for XXXX months attached I have a letter stating that I have NEVER BEEN LATE