davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 
XXXX, Transunion, and XXXX is reporting inaccurate info. My Name is XXXX XXXX. DOB : XX/XX/ My correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My employer is XXXX XXXX
Consumer complaint received 2023-09-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (NC)

We have been going back and forth over this for over a year. Once again, Amex refuses to provide me with the most basic information : What interest have I been charged on the 2x unauthorized charges? 
Has the interest been refunded on the 1 charge you have refunded? 
Since the 2 charges are both part of the same fraud and forged signature how can you refund one of the charges and not the other identical amount which is clearly related? 

I have finally found the company who handles arbitration for such matters and have them ready to proceed. I will also be pursuing for costs and inconvenience in addition to the refund if this is not sorted before that point. I have a very strong trail of communication over the last year of Amex withholding info and giving factually incorrect information. Please let 's not add this to the request too
Consumer complaint received 2023-07-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: EQUIFAX, INC. (PA)

I was thinking about buying a house, after looking at my credit report I realized there was several fraudulent accounts on my report. Right now i'm going to start off with the fraudulent car loans because I am confused on how someone can get a car in someone else 's name ; however I guess they can because I there are two accounts in the name of XXXX XXXX XXXX one which was open during XXXX with the balance of XXXX, the second was opened XXXX with the balance of XXXX. There are also several hard inquires which are fraudulent which include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC (MO)

Recorded message from phone number XXXX saying that this is last time they are going to try and contact me and legal action will be taken against me. in the recorded message it tells me where to go to make a payment with the debt validation or information regarding original creditor. Calls at least once a day while I am at work and they are unable to prove anything.
Consumer complaint received 2024-04-04
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: AMERICAN EXPRESS COMPANY (CA)

Bought a {$300.00} AMEX gift card as a XXXX present ( 2023 ) and it does not work at all. All transactions are declined. Need my money back
Consumer complaint received 2023-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

There are incorrect addresses that's on my account and fraudulent addresses on my Experian credit profile that I do not recognize. These addresses I have never lived at and want the deleted and removed from my Experian credit profile. 

XXXX XXXX XXXX XXXX XXXX, NC XXXX Resident type - XXXX XXXX XXXX XXXX, NC XXXX Resident type Apartment complex
Consumer complaint received 2023-08-11
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)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-15
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 states I have 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 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-23
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. (GA)

In accordance with the Fair Credit Reporting act 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 2023-06-08
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. (PA)

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (GA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-06-10
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 in disagreement with this account listed here which still appears on my credit report, even after your investigation. i would like this account immediately re investigated. The inaccuracies are highly injurious to my credit score. 

XXXX credit account number XXXX In accordance with the fair reporting act, public law 91-506, titleIV, section 611 please provide the names and business addresses of each individual with whom you verifed above so i can follow up. Please send a updted copy of my credit report after your reinvestigation.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; Collections : XXXX XXXX  XXXX - XXXX {$370.00} XXXX XXXX XXXX BANK XXXX XXXX {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX - XXXX {$2100.00} XXXX XXXX XXXXXXXX {$3400.00} Accounts : XXXX XXXX XXXXXXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX {$540.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-11-10
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. (RI)

After review of my XXXX credit report, the following hard inquires are not mine. I was a victim of identity theft and submitted an affidavit with the FTC. I had submitted a request affidavit report # : XXXX Please review the attached document and remove the incorrect hard inquires listed below, which I did not allow or request the action to pull my credit from the following institutions. 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 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

this account, " XXXX XXXX XXXXXXXX XXXX XXXX' is still open, on my credit report as a remaining balancing. it should be removed and detected as XXXX balance. i no longer have this loan
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (CA)

On my report the companies that I didnt apply or doing business with are showing. 
These are XXXX reports on my account and Ive never applied their services or doing business with them. Please remove these from my report. 

TD auto finance XXXX XXXX XXXX TD auto finance TD auto finance
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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXXXXXX XXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX Account XXXX : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX XXXX  Account XXXX XXXX XX/XX/2023 - XXXX Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2023-08-14
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (MA)

They keep calling me, and left this message Im Hi this is XXXX from XXXX XXXX I'm a debt collector ID number XXXX this is an attempt to collect a debt and any information obtained will be used for that purpose you can reach us at XXXX or chat with us online at XXXX XXXX paid COM Monday through Friday XXXX XXXX  to XXXX XXXX  Saturday XXXX XXXX  to XXXX XXXX  central time you can also use our secure payment portal at any time XXXX  again I'm a debt collector with XXXX XXXX and can be reached at XXXX if we have the wrong number please give us a call and let us know thank you I called back and told them I owe no money to no one, they told me they were looking for a XXXX, I told them I dont know a XXXX and have had this number for a number of years, now thy just called me again looking for a XXXX XXXX I also reported the call to the do no call registry. Please stop these predators. Thanks
Consumer complaint received 2022-12-10
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (GA)

On XXXX I ordered a XXXX vinyl garage with foundation kit for {$79.00} from XXXX On XXXX I logged a complaint with Comerica Bank because I received a cheap pair of socks instead of my garage. I researched XXXX  on web and found nothing but warnings about this company. Finally I reached XXXX XXXX with XXXX  who apologized and said she would correct item by sending new one tracking number XXXX and which courier claims order is lost. The courier ( XXXX  ) is a fake website and is XXXX. XXXX then says she checked with courier and yes it is lost on XX/XX/XXXX XXXX promised my refund that I still haven't received. Comerica Bank found XXXX favor stating I received my item I think they believe the delivery of the cheap socks was delivery of my item tracking number XXXX XXXX  and not the second supposed attempt to deliver my item number XXXX XXXX. They ignored all my evidence emails to and from XXXX, screenshots of tracking info, etc. I even provided the emails where XXXX agrees my item is lost and that she is refunding my money even though she has not. I'm a XXXX man who has been wronged by XXXX  and Comerica Bank. XXXX says on XX/XX/XXXX sorry big sales it will take a while. If you look online hundreds of other customers were done the very same way and never received a refund
Consumer complaint received 2023-09-05
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: National Credit Adjusters, LLC (TX)

I walked into an XXXX Texas XXXX XXXX XXXX XXXX XXXX. I Received XXXX. Now showing I owe over XXXX dollars. Im struggling living paycheck to paycheck. The fees are astronomical higher and increased. Im currently on a {$35.00} per month payment plan. Now being Reporting as a Collection Negative derogatory mark on my XXXX score. Im also disputing the calls, received to my friends and family at all hours of the night and day.
Consumer complaint received 2023-08-11
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. (AL)

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. Or 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 2024-06-10
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. (TX)

Please see the True bill attached for the ( 5 ) violation of accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXand delete from my credit report. I am filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. See the attached dispute letter, which is dated, and time stamped, and invoice attached.
Consumer complaint received 2021-03-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

XXXX, Equifax and XXXX have all been reporting inaccurate information on my credit report that has been affecting me negatively. I've been sending in dispute letters for XXXX XXXX Account Number : XXXX it has been disputed several times for inaccurate information and still hasn't been removed. my latest letter was sent XXXX they are violating my 609 fair credit act rights and I would like you to make then remove XXXX XXXX Account Number : XXXX from all my reports.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. 

XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Collection {$320.00} XXXX XXXX XXXXXXXX Collection {$0.00} XXXX XXXXXXXX Collection {$3600.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Collection {$3600.00} XXXX XXXX XXXXXXXX Charge-off {$11000.00} XXXX XXXXXXXX Charge-off {$5500.00} Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.
Consumer complaint received 2023-08-11
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)

I submitted a complaint last XX/XX/ for the removal of the fraudulent items but they are still reporting on my credit report. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.