davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-18
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. (AR)

Pursuant TO 15 USC 1692J XXXX XXXX  IS IN VIOLATION OF MY RIGHTS DUE TO UNLAWFULLY DESIGING AND COMPELING FALSE INFORMATION TO FURNISH ON MY COSUMER REPORT. KNOWING SAID FURNISHING WOULD CREATE A FALSE BELIEF. 
YOU ARE IN VIOLATION OF 15 USC 1692e AS WELL DUE TO THE AMOUNT OF THE ALLEGED DEBT THAT IS FURNISHING ON MY CONSUMER REPORT. 
XXXX XXXX  IS A THIRD-PARTY DEBT COLLECTIOR AND IS IN VIOLATION OF 15 USC 6802 DUE TO HAVING MY INFORMATION WHEN IN FACT XXXX XXXX WAS THE COMAPANY I DID BUSINESS WITH. 
XXXX XXXX  IS ALSON IN VIOLATION OF 15 USC 1692G DUE TO THE FACT THAT I DID NOT GIVE YOU WRITTEN CONSENT TO FURNISH ANYTHING ON MY CONSUMER REPORT. 
NOT ONLY ARE YOU IN VIOLATION BUT YOU ARE ALSO IN RETALIATION DUE TOTHE FACT THAT THERES AN OPEN CASE ON THIS XXXX XXXX  AND YOU TURNED AROUND AND REPORTED THIS FALSE ALLEGED DEBT ON MY CONSUMER REPORT I ALSO HAVE PROOF OF THE CASE AGAISNT XXXX XXXX FOR REPOSSESSION AND ALSO BREACH OF CONTRACT AND XXXX XXXX  TURN AROUND AND FURNISH FALSE INFORMATION TO MY REPORT
Consumer complaint received 2023-08-10
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: Experian Information Solutions Inc. (VA)

If you feel there is a possibility these addresses belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the addresses is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-10
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 am not liable for this debt with XXXX XXXX XXXX, I do not have a contract with XXXX XXXX XXXX XXXX, they did not provide me with the original contract as I requested and did not provide proper validation. This is a medical collection that is being reported illegally. No PHI release form has been provided. this is violating my privacy and HIPPA Law. My latest request was completely ignored. The tracking number is XXXX and XXXX XXXX received it on XX/XX/2023. 

Experian tracking # is XXXX sent on XX/XX/2023 XXXX tracking # is XXXX sent on XX/XX/2023 XXXX tracking # is XXXX sent on XX/XX/2023 It seems to me like this is a violation under section 812 ( a ) of the FDCPA. It says " It is unlawful to design, compile, and furnish ANY form knowing that such form would be used to create the false belief in a consumer that a person other than a creditor of such consumer allegedly owes such creditor, when in fact such person is not so participating. ''
Consumer complaint received 2024-03-10
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. (CA)

On XX/XX/2024, I sent notarized letters to XXXX, XXXX and Experian stating that they had violated my federally protected consumer rights on multiple occasions by publicly disclosing my personal information regarding multiple accounts to my credit report without my written instruction ( attached is a exhibit of the letter, titled " Letter to Experian Page 1,2,3 '' ). Both 5 U.S.C. 552a ( b ) and 15 USC 1681b ( a ) ( 2 ) clearly state a credit reporting agency may only furnish and report my personal information with my written consent, which I never gave to any of these agencies. Additionally, I have the federally protected right to opt out of the reporting of my personal information, which was requested in the letter and they have not honored. On XX/XX/2024 I received notification from XXXX that these inaccurate accounts have been removed from my report ( attached is the exhibit showing proof of this, titled " XXXX XXXX. '' ) yet on XX/XX/2024 Experian responded back ( attached is the exhibit showing proof of their response titled " Experian Response. '' ) and they did NOT comply with my requests to remove the mentioned accounts and are in direct violation of my federally protected consumer rights. How is it possible that XXXX can remove these accounts but Experian can not? Experian is choosing to directly violate the laws created to protect consumers privacy. Additionally, Experian is now in direct violation of 15 USC 1681 ( e ) ( b ) where they are not taking any reasonable procedures to ensure maximum accuracy of my personal information on my credit report, as it does not match with the reports from XXXX or XXXX ( attached is the exhibit of my credit report displaying this, titled " credit report 1 and 2. '' ). It is Experian 's duty to abide by the laws that allow for consumers rights and privacy to be protected, however they are NOT. The public disclosure of my personal information is damaging my reputation and causing me unnecessary emotional and mental stress.
Consumer complaint received 2023-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

SINCE IT IS AGAINST THE FCRA 604 PERMISSIBLE PURPOSE OF CONSUMER REPORTS ( 15 USC 1681B ) FOR AN ENTITY TO VIEW A CONSUMER REPORT WITHOUT PERMISSIBLE PURPOSE, I AM DEMANDING FOR TRANSUNION, XXXX, AND XXXX TO REMOVE THESE LISTED INQUIRES BECAUSE I DID NOT APPLY FOR CREDIT. THESE FRAUDULENT INQUIRIES WERE OBTAINED UNDER FALSE PRETENSES WHICH VIOLATE 15 USC 1681N ( A ) ( 1 ) ( B ). INQUIRIES : XXXX XXXX XXXX ( FINANCE ) XX/XX/ XXXX XXXXXXXX ( XXXX ) XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( BANK ) XX/XX/ XXXX XXXX XXXXXXXX ( FINANCE ) XX/XX/XXXX XXXX XXXX
Consumer complaint received 2023-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Upgrade, Inc. (TN)

I have called three times to close my account. Upgrade representatives continue to tell me I can't close my account until the balance {$0.00}. So I opted to do a balance transfer to reduce the balance, and it has taken them three weeks to acknowledge my bank sent them a check. Now they are saying it will take another 2 weeks to credit my account, and close it out. Also charging me interest immediately with no grace period.
Consumer complaint received 2022-12-05
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. (MS)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2022-10-19
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. (FL)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

Please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}.
Consumer complaint received 2022-10-18
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 XXXX  Recovery In Account # XXXX, has violated my rights. 

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 2022-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (AZ)

Credit Card has failed to issue reward points for 3 Billing Cycle. 

Initial called sometime in XXXX, and was told there was a system issue that would soon be corrected. 

Called Credit company again on XX/XX/2022, and told a system issue since XXXX has prevented rewards to be posted. 

I requested the points be posted to my Ultra reward account, as a accommodation pending the system fix. Was told they couldn't do it. 

I was Requested to submit client complaint, Credit Card company failed to take complaint and only provided a phone number to call which was not a complaint division for the Credit Card. The number was not for the credit company, but rather the Corporate Headquarters number foXXXX Ulta XXXX XXXXXXXX XXXX XXXX XXXX Payment XX/XX/2022 {$250.00} XX/XX/2022 {$310.00} XX/XX/2022 {$180.00} Card logo says XXXXUlta XXXX XXXXXXXX XXXX  XXXX XXXX number XXXX
Consumer complaint received 2023-11-10
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: Amsher Collection Services, Inc. (IL)

The below email was sent on XX/XX/XXXX to XXXX President of XXXX, AND submitted via XXXX Complaint # XXXX " I considered getting service with XXXX back in XXXX of this year and changed my mind the following day. ( Thank GOD I did ). I called back the next morning and canceled the service. You tried to send the phones to my home anyway, of course I denied the XXXX  shipment. You all would not refund my money, so I had to file a dispute with my bank to be refunded. 

On Saturday XX/XX/XXXX I received a letter from XXXX threatening to place a collection on my credit for {$500.00} for service THAT I'VE NEVER HAD!! 

I've spoken with, NOT 1, NOT 2, NOT 3, NOT 4, NOT, 5, BUT 6 SUPERVISORS SINCE XXXX!! who have either lied about following up, getting this taken care of, or not being able to access the account, Only the 5th Supervisor XXXX XXXX went through my account and read the previous notes in the account. He assured me he would take ownership of this issue and call me back on yesterday XX/XX/XXXX ... and of course HE DIDN'T CALL BACK. 

Just spoke with the 6th supervisor today and she says she can't get into the account because it's canceled. 

I'm hoping that someone at this email can get this cleared up. '' I received a follow up email from XXXX below on XX/XX/XXXXXXXX  : XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX, I am XXXX XXXX XXXX Executive Response Team. I am reaching out to you regarding your recent inquiry concerning the corresponding you sent in, regarding the XXXX  account. Your concerns are very important to me, and it is my pleasure to be your direct point of contact. Please contact me at your convenience at XXXX. I am available XXXX  through XXXX  between XXXX XXXX XXXX XXXX XXXX CST. Can I please have a good contact number for you? 

XXXX XXXX XXXX, Team CEO Direct XXXX XXXX XXXX XXXX assured me this would be taken care of via and via her response on the XXXX website under the complaint # listed above. 

Today XX/XX/XXXX a {$160.00} was added to my XXXX credit report by a collection agency named Amsher XXXXollection Service XXXX XXXX XXXX XXXX, XXXX  XXXX. 

I've NEVER had service with XXXX. Their XXXX response and records reflect this! I was told this was taken care of in XXXX. Now in XXXX they send it to a collection agency?!?!? This is ridiculous. 

I also sent an email to the same 2 XXXX folks today regarding the {$160.00} on my credit. All emails are attached in the link below. I'm unable to get access to the XXXX complaints because the codes I have are expired, but I emailed CC'ed them on the last email. But, I do have the emails showing the complaints and those are attached as well. 

I'm really hoping you all can help me. Thank you. 
XXXX XXXX
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My XXXX credit card account, which has been reported as a charge-off on my credit profile. I have not received a 1099-C form from the creditor, despite my understanding that they received a tax write-off related to this debt. I kindly request documentation demonstrating their right to report this as a debt or, if unable to provide such evidence, the immediate removal of this account from my credit profile.
Consumer complaint received 2023-06-10
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Consuegra & Duffy, P.L.L.C. (FL)

My account was garnished for XXXX dollars. This account is my bills payment account with XXXX bank. I was not informed that my account was frozen by the bank until I tried to use my bank card. When I went to the bank they informed me to contact an attorney. They did not inform me that my account was frozen. The bank did not communicate with me. I was told by XXXX bank in XXXX XXXX, FL that they can not do anything for me. They said that I should hire an attorney. This garnishment by Consuegra & Duffy Law for XXXX XXXX XXXX XXXX case number XXXX XXXXXXXX due to a loan that I did not procure. Now I have no access to my bills bank account. I am out of XXXX dollars that was in my XXXX account. I have not gotten a letter until XXXX I feel abused this is now an abusive debt collection practice that has contributed to a number of fears about my ability to meet my financial responsibilities, to marital instability, and to invasion of my individual privacy.
Consumer complaint received 2018-12-06
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: EQUIFAX, INC. (CA)

I HAVE BEEN A VICTIM OF IDENTITY THEFT IN A PAST AND THESE UNKNOWN SUSPECT ( S ) USED MY PERSONAL INFORMATION AND FRAUDULENT ADDRESS TO OPEN SEVERAL CREDIT ACCOUNTS UNDER MY NAME WITHOUT MY KNOWLEDGE. I DID NOT RECEIVED ANY BILLS OR LETTERS UNDER MY CURRENT ADDRESS WHERE I HAVE BEEN SINCE XX/XX/XXXX. IN XX/XX/XXXX I WAS TRYING TO LEASE A VEHICLE AND A DEALER INFORMED ME THAT THERE ARE THREE NEGATIVE ACCOUNTS IN MY REPORT. I HAVE CONTACTED CREDIT BUREAUS AND PLACED A FRAUD ALERT. ALSO CONTACTED A POLICE STATION ( REPORT # XXXX ) AND FEDERAL TRADE COMMISSION. ALL THE PAPERWORK WITH MY IDENTIFICATION I HAVE FORWARDED TO CREDIT BUREAUS. I GOT A LETTER FROM XXXX AND XXXX XXXX CREDIT BUREAUS THAT THEY HAVE INVESTIGATED THIS MATTER AND DELETED THESE FRAUDULENT ACCOUNTS FROM MY REPORT. EQUIFAX INFORMED ME THAT IT COULD TAKE UP TO THREE MONTHS THEY TO REMOVE THIS INFORMATION. LAST MONTH I WAS TRYING TO GET A STUDENT LOAN AND I HAVE NOTICED THAT EQUIFAX DID NOT REMOVE THOSE 3 NEGATIVE ACCOUNTS FROM MY REPORT SO I HAVE BEEN DENIED TO GET MY STUDENT LOAN. I HAVE CONTACTED EQUIFAX BUREAU AND THEY VERY RUDELY INFORMED ME THAT WILL NOT INVESTIGATE THIS MATTER SO THIS INFORMATION NEEDS TO STAY IN MY REPORT FOR ANOTHER TWO YEARS. 
I HAVE ALL THE PROOF FROM THE INVESTIGATOR THAT I HAVE NO CONNECTION WITH THESE ACCOUNTS. NOW I HAVE CHOICE BUT TAKE THEM TO COURT FOR THEIR NEGLIGENCE BUSINESS.
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MD)

On XX/XX/2022 I mailed a letter to XXXX, XXXX, Experian stating the below actions that needs to be taken and i did not receive a reply. 

To someone who can assist me. I am deeply disturbed about the erroneous things that i see on my credit report. These accounts are unverifiable, invalidated, inaccurate and questionable. These items must be removed if the information being reported is not 100 % accurate. Please find out why these inaccurate information is being reported on my credit report and find out who the inaccurate information belongs to. Can you correct this wrong doing immediately. It is my understanding that you will do an investigation immediately. I am requesting a new credit report that reflects the updated changes. You must complete this investigation within 30 days of receipt of this letter. According to law, unverifiable inaccurate accounts must be removed and if unable to provide me a copy of verifiable proof within 15 days after investigation, you must remove the accounts and or the information listed below. 

1. Under The Fair Credit Reporting Act This Disputed Item May Not Appear On My Credit Report If It Can not Be Supported By Any Documents/Evidence. 

XXXX Case Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-10-18
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)

On XX/XX/2022 I mailed a letter to XXXX, Transunion, XXXX stating the below actions that needs to be taken and i did not receive a reply. 

To someone who can assist me. I am deeply disturbed about the erroneous things that i see on my credit report. These accounts are unverifiable, invalidated, inaccurate and questionable. These items must be removed if the information being reported is not 100 % accurate. Please find out why these inaccurate information is being reported on my credit report and find out who the inaccurate information belongs to. Can you correct this wrong doing immediately. It is my understanding that you will do an investigation immediately. I am requesting a new credit report that reflects the updated changes. You must complete this investigation within 30 days of receipt of this letter. According to law, unverifiable inaccurate accounts must be removed and if unable to provide me a copy of verifiable proof within 15 days after investigation, you must remove the accounts and or the information listed below. 

1. Under The Fair Credit Reporting Act This Disputed Item May Not Appear On My Credit Report If It Can not Be Supported By Any Documents/Evidence. 

XXXX Case Number : XXXX Please remove it from my credit report.
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: EQUIFAX, INC. (NY)

XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card - Bureau Code : Individual Individual Individual Account Status : Paid Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$520.00} {$520.00} {$300.00} Credit Limit : {$300.00} {$300.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Canceled by credit grantor Account has been closed due to inactivity. 
XXXX XXXX XXXX XXXX balance Accounts closed by credit grantor 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 CREDIT DISPUTE NOTES 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 2024-03-10
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. (CA)

Dear XXXX In accordance to the Fair Credit Reporting XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX violated my rights 15 U.S.C. 1681 section 602 A states I have a right to privacy.15 U.S.C. 1681 section 604 Section 2 also states a consumer reporting agency can not furnish a account without my instructions. I told Experian, XXXX, and XXXX to reinvestigate the above listed accounts : However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. According to 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. 

Sincerely XXXX XXXX XXXX