davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 : XXXXXXXX XXXX  : Account Number : XXXX - {$21000.00} XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX - {$21000.00} - XXXX Account Name : XXXX XXXX XXXX - Account Number : {$21000.00} - XXXX Account Name : XXXX XXXX XXXX - Account Number : {$23000.00} - XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX - {$23000.00} -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 : 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-08
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. (TX)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-12-10
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: EQUIFAX, INC. (NC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$110.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX
Consumer complaint received 2022-12-10
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. (PA)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-14
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. (AZ)

I am writing to dispute the accuracy of certain information on my credit report, as provided for under the Fair Credit Reporting Act ( FCRA ). Specifically, I am invoking my rights under 15 USC 6802, 15 USC 1681b, and 18 USC 1028a. I am concerned that the information contained in my credit report may be inaccurate, incomplete and was obtained and reported without proper authorization. I have attached a copy of the " copyright notice '' recorded with the county in the State of Arizona as well.
Consumer complaint received 2022-12-04
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. (MA)

Equifax announced a breach that exposed my personal data - resulting in numerous occurrence of identity theft which cost me in excess of $ XXXX in fraudulent charges. On XX/XX/2022, I submitted a claim form for the Equifax Data Breach Settlement. As of XX/XX/2022, I have not received any correspondence or update regarding the settlement regarding its status.
Consumer complaint received 2022-12-10
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. (FL)

I am intrested in disputing all unauthorized information on my credit report with transunion. checking my file ive noticed alot of invalid data in my file. please update the information correctly.
Consumer complaint received 2022-12-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Peter Roberts & Associates, Inc. (MA)

Peter Roberts and Associates issued a XXXX $ claim against me the reported to XXXX. This debt was not only paid in full at an amount of double which I have bank statement proof but do to the lack of reporting I filed a claim and the claim was ruled in my favor after proof of evidence was submitted by me. 

They re-issued a claim and stated money is owed when this is not the case and they also told me that I owed double the payment and double was not reported to any agency. 

I paid a total of double {$350.00} and now they are trying to collect another {$350.00}.
Consumer complaint received 2022-10-20
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: EQUIFAX, INC. (FL)

I have filed identity thief claims and submitted all the document to show that someone has stolen my idenity with all XXXX credit bureaus but the the account have not been removed and In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 all 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.

I have attached the case number fand proof of the identity thief and a copy of my social and ID
Consumer complaint received 2022-12-10
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. (PA)

Early XXXX I contacted the company in regards to XXXX bankruptcy that on my credit report and asked about the method of verification also for proof of verification I was never sent this information on letters stating that they verified it but dont state how nor was any proof given I was told that it was verified through XXXX XXXX also that they purchased my info from them they also advised me that they received this through third party public information This alone is violations under FCRA 623 ( a ) ( 5 ) state if the if the credit bureau cant Validate the information with the original creditor they must remove the information from my credit report also be aware no court in America validates nor report to any agency or bureau YOU HAVE 15 days from receiving this to validate this or else remove it
Consumer complaint received 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (PA)

Early XXXX I contacted the company in regards to XXXX bankruptcy that on my credit report and asked about the method of verification also for proof of verification I was never sent this information on letters stating that they verified it but dont state how nor was any proof given I was told that it was verified through XXXX XXXX also that they purchased my info from them they also advised me that they received this through third party public information This alone is violations under FCRA 623 ( a ) ( 5 ) state if the if the credit bureau cant Validate the information with the original creditor they must remove the information from my credit report also be aware no court in America validates nor report to any agency or bureau YOU HAVE 15 days from receiving this to validate this or else remove it
Consumer complaint received 2022-12-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mandarich Law Group, LLP (GA)

In XXXX I opened a credit card with XXXX XXXX company which gave me a limit of {$1500.00} dollars around XXXX in the account statement there were XXXX transactions made that did not belong to me when I realized I contacted XXXX XXXX customer service notifying them the transaction that I did not recognize as mine they told me that they were made at XXXX XXXX in XXXX FL at that time I lived in XXXX FL transactions were clarified at present I am being sued by a collection agency Mandarich Law group , LLP which charges me a lot {$2000.00} the XXXX XXXX account was closed over 4 years ago I have explained to the collection agency what happened in the past they ask me for a police report of identity theft I currently live in XXXX GA when I went to the station police notified me that they could not make a report of something that happened in FL in XXXX, all this was explained to the collection agency but they still continue to charge. in which all this had been resolved but apparently it was not so I was a victim of fraudulent transactions.
Consumer complaint received 2022-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX
Consumer complaint received 2022-12-09
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (CO)

On XX/XX/2022 I got emails to my work email account congratulating me on my new credit card that I did not apply for with XXXX, XXXX and Comenity Capitol. I contacted each lender, some have been more helpful than others. All have cancelled the accounts and applications, removed hard inquiries on my credit report and reported fraud but one, Comentiy. Put a freeze and fraud alters with all three credit reporting agencies, called my existing credit card companies, banks, and local police department. I plan on contacting the IRS, DMV and social security offices to help protect myself from future fraud. Not sure what else I can do to protect my identity.
Consumer complaint received 2023-05-09
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. (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 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 2022-11-25
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-12-09
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)

consumer have informed TRANSUNION of errors on consumer 's credit report. TRANSUNION intentionally continues to furnish this information on the report defaming consumers character.
Consumer complaint received 2022-12-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (OK)

I have mailed and submitted my identify report several times and the items are still on my credit report. I need them removed per the attached report.
Consumer complaint received 2022-12-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (NE)

I transfer funds ( $ XXXX ) to XXXX XXXX on XXXX, as I have done several times in the past. I again transferred funds ( $ XXXX ) on XXXX and Ally ( XXXX ) Locked my Account. I submitted their ( XXXXXXXX XXXX XXXX required information including XXXX XXXX profile as proof of ownership to XXXX at Ally. He said he needed a XXXX copy of current XXXX XXXX XXXX. I refused as the Statement includes all my XXXX Accounts which is private information. He then Locked my Account. I called Ally on three different numbers and each time was put on hold ( 30 minutes ) until XXXX answered. He would not let me talk to anyone at Ally and refused to email me anything about our conversation. I have no access to the account and consider this to be XXXX. I have asked XXXX to close the account, but he refuses and said the account will be Locked for 30 to 60 days. I have had bank accounts for over 50 years, and this is the Worst Banking experience. 

Ally ( XXXX ) has cost me hours and anxiety as well as loss of income from the Locking of my account by XXXX.
Consumer complaint received 2022-12-09
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. (OH)

This letter is concerning Information contained in my consumer reports. Under 15 U.S.C. 1681c no consumer reporting agency may make any consumer report containing accounts placed for collection or charged to profit and loss 15 U.S.C. 1681a sec 2 sect a section i states, any report containing information solely as to transactions or experiences between the consumer and the person making the report ; should not be on credit report. 

Transunion is still reporting my transactions and experiences without my permission.
Consumer complaint received 2022-12-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: HUNTINGTON NATIONAL BANK, THE (KY)

On XX/XX/XXXX I was scammed by someone impersonating a Huntington bank employee for a grand total of {$3000.00}. This individual text me that someone was attempting to make a XXXX transaction of {$1500.00}, the individual spoofed Huntington 's main customer service number and explained to me on the steps I needed to take on Huntington 's mobile banking app to reverse this XXXX transaction. The next day XX/XX/XXXX the same individual called me from Huntington 's number again and instructed me on how to redeposit the funds that were taken out of my account the previous day.

I had immediately contacted Huntington when I did not see the {$3000.00} in my account anymore. Since XX/XX/XXXX Huntington has had this information and has yet to give me an answer on this investigation. I was initially told that the likely hood of me receiving my money was slim since I had to authorize the transaction through XXXX. I was coerced into sending this transaction.
Consumer complaint received 2021-01-07
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (AZ)

Has called my cell phone several times XX/XX/20, XX/XX/20, XX/XX/20. Left several messages stating they were contacting me from the processing dept and they received an order and will actively pursue my place of residence or employment to serve me papers. 

They also called my ex husband on his cell phone on Monday XX/XX/XXXX and left the same message. 

On XX/XX/20 suspecting scam/fraud I called the number left on the voice mail at XXXX ( XXXX XXXX XXXX XXXX, XXXX ) and spoke with a female who provided the name of " XXXX. '' She providing me with all of my PII ( all correct unfortunately ) stating I have an unpaid debt from Ace Cash Express in the amount of over {$900.00}. She suggested I pay the " discounted '' rate of over {$500.00} to avoid the following- Says a Process Server or Courier is coming with papers to sign Threatened to go to my place of employment Insists I have been notified via several mailed letters to my current address Refuses to give a company name or verifiable Contact source Refuses to send proof of debt via US mail Repose of my car ( stated accurate and current vehicle info ) Can have my accounts/ funds frozen I have never opened up an account/loan to Ace Cash. I obtained my credit report and there is not any recent incorrect activity and nothing listed for Ace Cash. 
I tried calling back several times to speak with someone in regards to incorrect info and was hung up on each time.
Consumer complaint received 2023-01-24
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: SYNCHRONY FINANCIAL (TX)

on XXXX syncblowes XXXX got a copy of my XXXX report without my conset i did not try to appy for anything with you guys please remove from my report also im requesting evidence of how this inqury was mine
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

No theft protection service provided ; Im a victim of YOUR breach. I began remedying, but hackers prevented me from proceeding back in XXXX! I ran my emails and it came up that I was a victim of your breach. In fact, I caught on to these hackers n XXXX, however according to running my emails to see who has my private info, it goes back to XXXX, and they are STILL HACKING ME, wrecked my credit, broke into my home, wrecked everything I own, run my electronics remotely ( per police ), yet nobody is helping me! My vehicle was repoed illegally as my account was current! Here were 2 other social security numbers on my credit per XXXX ( Im a victim of their breach, so I just found out ). I had them removed. One ended in the year I was born! When you see additional social security numbers on an account, other than the one belonging to the person, doesnt that raise a RED FLAG?! Ive contacted you repeatedly to put security on my file. Then, got a letter in the mail stating it was lifted per MY REQUEST! I never asked you to remove it! But, it was on ALL bureaus! XXXX Ive had calls from someone in XXXX  saying all my private information was all over the state of TX! Ive have fraudulent mail saying I owe taxes in a state I never lived or worked in! Hounded me for 3 years! Addresses wrong ; notifications of utilities verifying I requested services in towns Ive never heard of ; getting codes on my phone for my cards and which I never requested ; phone calls, mail, emails for people using my info to get jobs, etc. My phones tapped, per XXXX XXXX, my calls and messages intercepted, emails hacked, stolen, contacts stolen and disappeared off of sites, and tons more. I need help here!! My credit was XXXX 2 yrs ago! My credit scores do not match payments Ive made, paying off XXXX  XXXX, etc. I demand justification, remediation immediately!