davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm this detail ( A ). This account may not be reported as unverified information without providing any supporting information within the legally allowed time range. The account is shown on my credit report as needing investigation and correction because it was reported incorrectly in my file.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to bring to your attention a concerning issue I have been facing with XXXXXXXX XXXX XXXX credit reporting practices. I believe they have inaccurately reported my payment history, resulting in significant damage to my credit profile. 

Over the past few months, XXXXXXXX XXXX has been reporting my payments as late or not received, even though I have consistently made on-time payments. This erroneous reporting has led them to indicate non-payment for periods of 30 to 60 days, which is not reflective of my actual payment behavior. 

Due to XXXXXXXX XXXX XXXX incorrect reporting, my credit score has suffered immensely. As a direct consequence of their actions, another credit card servicer has significantly reduced my credit limit. This negative information has caused my credit score to drop by a staggering XXXX points, severely impacting my financial opportunities and peace of mind. 

I have taken the initiative to review my credit report from all major credit bureaus and have identified these inaccuracies specifically attributed to XXXXXXXX XXXX. I have evidence of my consistent, timely payments, including bank statements and payment receipts, which I am willing to provide as proof of my responsible credit behavior. 

I have attempted to contact XXXX XXXX on multiple occasions to rectify this situation, but regrettably, their responses have been unhelpful, leaving me frustrated and concerned about the potential long-term consequences of these inaccuracies. 

I am reaching out to the Consumer Financial Protection Bureau with the hope that you can assist me in addressing this matter promptly and effectively. I kindly request your intervention to investigate the inaccuracies reported by XXXX XXXX and ensure they comply with the Fair Credit Reporting Act ( FCRA ) and all other relevant consumer protection laws. 

XXXX is flagrantly disregarding fair practices.
Consumer complaint received 2021-06-29
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. (FL)

I XXXX XXXX, sent a letter on XX/XX/2021 regarding with inaccurate and unknown things on my credit report. I feel like I am being taken advantage of and ignored by my disputes. In FCRA or Fair Credit Reporting Act section 611 ( A ), it is plainly stated that a failure to investigate these item disputed within 30 days should be deleted from my credit report. It has been over 30 days and I still don't get any response from the 3 credit bureaus. I demand that these item should be deleted immediately as they are causing me stress, this goes to all 3 credit bureaus. I have provide a copy a certified receipt as a proof that it has been over 30 days since they receive my letters, I also provide a copy of my ID as a validity of my Identification.
Consumer complaint received 2024-04-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (MO)

On XX/XX/year> I made a mobile deposit into my account with PNC Bank in the amount of {$500.00}. This brought my balance in the account to {$450.00}. 
Over the next 7 day period several transaction came out of my account. 
Mobile payment {$52.00}, Car Insurance Payment {$340.00}, and Rental Insurance Payment {$44.00}. My balance after these transactions posted was {$13.00}. 
A utility payment for {$13.00} came out of the account on XX/XX/XXXX also, bring the end of day balance to {$0.00}. 
On XX/XX/year> I was charged an overdraft item fee of {$36.00}. Making the balance in my account- {$35.00}. 
I called the local PNC branch the following Tuesday, XX/XX/year> to ask about the fee and what transaction caused it. 
The representative tried to refund my fee, but said her system declined the refund. And she explained the fee was cause by the utility transaction of {$13.00}. 
I asked about my account balance being {$0.00} and therefore not overdrawn. 
The representative said the fee was due to a returned item from the utility company seven days prior. I additional information since I didn't understand how the return item would effect an overdraft 7 days later and I didn't think that was possible per Reg. E. 
She said she could escalate my issue. I have yet to receive additional information from PNC regarding this matter. My account is still at a negative balance and I am afraid I am be unrightfully charged.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

On my equifax has had my information wrong and since the leak of my personal data, I've be disputing my address as well as my employer and it's extremely important that is is address asap and this is a last line of defense. It's not easy to disputing address and employer with equifax. 
My So be XXXX XXXX XXXX, my only address is XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX XXXX. 
My Employer only XXXX XXXX XXXX and nothing else
Consumer complaint received 2023-02-18
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: SANTANDER HOLDINGS USA, INC. (CA)

Here are more supporting details about this situation. I was going over my credit report back on XXXX XXXX and noticed that a company called Santander Consumer USA Inc was reporting on my credit report. I called the company 10 times but no one ever answered so I decided to reach out to XXXX, XXXX, and XXXX. I have sent all 4 companies certified mail return receipts stating that I was a victim of identity theft. I sent all 4 agencies a 6-page notarized identity theft affidavit with an FTC report and a Police report from the XXXX Police department XXXX XXXX California. I have sent them 5 different requests stating that this account has never been opened by me nor did I ever have a contract with Santander Consumer USA inc . I sent the identity theft notification on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and Santander, XXXX, XXXX, and XXXX. I have included more than enough supporting documents to have this account removed. I am including all reports that were received by the credit bureaus and the laws that they violated under section 605B of the fair credit reporting act.
Consumer complaint received 2022-10-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my third attempt to reach out to the credit bureaus to remove accounts that I do not have knowledge of. My rights are being neglected and violated. The accounts that I am filing a dispute on are coming back validated yet I am receiving inaccurate key factor information. I need these accounts removed immediately before further legal action will be taken. Please refer to my attachments.
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: EQUIFAX, 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 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 2022-10-21
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other 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 2018-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

IN REGARDS TO XXXX : XXXX. XXXX XXXX XXXX GA XXXX, XXXX : XXXX. XXXX XXXX XXXX TX XXXX, TRANSUNION XXXX. XXXX XXXX XXXX, PA XXXX I'M TRULY APPALLED ON HOW 3 CREDIT BUREAUS ESPECIALLY XXXX HAS BEEN CONDUCTING THEIR INVESTIGATION PROCESS AND THEIR VALDIATION AND VERIFICATION PROCESS AS WELL. I NOTICED THAT I HD BEEN A VICTIM OF IDENTITY THEFT DUE THO THE XXXX BREACH OF DATA AND HAVE BEEN TRYING TO CORRECT SOME ISSUES THROUGH THE AGENCY, BUT I KEEP GETTING PUSH BACK FROM THEM WHEN IM CLEARLY TITLED TO A FREE ANNUAL CREDIT REPORT OF 12 MONTHS. NOT THE CASE HERE I FOUND THAT XXXX  HAS MY SOCIAL SECURITY NUMBER WRONG LINKED TO SOMEONE ELSES AND THEY REFUSE TO SEND ME A COPY OF MY FULL REPORT. I CALLED IN AN VERIFIED AS WELL AS SENT LETTERS CERTIFIED AND FAXED OVER DOCUMENTATION PROVING THAT, I AM WHO I SAY I AM. I PROVIDED A COPY OF MY LICENSE AND SOCIAL SECURITY CARD AS WELL AS A COPY OF MY BANK STATEMENT FOR EXTRA PROOF MY ADDRESS. I PROVIDED THIS NOW TO A BUREAU THAT HAS FRIVIOULOUSLY HANDLED DISPUTES AND MILLIONS OF AMERICANS PERSONAL INFORMATION. ONCE I FOUND OUT THAT MY SOCIAL SECURITY NUMBER WAS INCORRECT I IMMEDIATELY CALLED TALKED A REPRESENTATIVE AT XXXX THAT STATED IN ORDER FOR ME TO GET MY FULL CREDIT REPORT I MUST FAX OVER MY XXXX TO PROVE WHO I AM. 
HELLO WHAT THE HECK IS A COPY OF MY LICENSE AND SOCIAL SECURTIY CARD FOR? I'M LOST FOR WORDS AND SOMETHING NEEDS TO BE DONE ABOUT THESE BUREAUS MIXING UP PEOPLES INFORMATION AND REPORTING INACCURATELY TO SELL OUR INFORMATION TO MAKE A PROFIT OFF OF. I UNDERSTAND THE GAME THE BUREAUS PLAY WITH THE LENDERS AND CREDITORS, BUT AS A CONSUMER I HAVE MY RIGHTS. WHY WILL I FORK OVER MY XXXX TO A BUREAU THAT HAS BEEN COMPROMISED. I THINK NOT. MY IDENTITY HAS ALREADY BEEN STOLEN IM TRYING TO REPAIR IT NOW WITH ALL THESE SCAMS GOING ON IN TODAY 'S WORLD WHO CAN YOU TRUST.
Consumer complaint received 2023-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

These address is wrong on my credit report, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX XXXX I want to correct these address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX
Consumer complaint received 2023-06-06
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number : 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 2023-01-04
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Spring Oaks Capital, LLC (MO)

A company called twice with a local phone number. I called back. They asked for my name I hung up. I tried again asked for their name. They said Spring Oak Capital I gave them my last name they they said they made a mistake and would take my number off the list. I dont know what they do or what list. It seems like a scam/phishing and Im worried I compromised myself
Consumer complaint received 2023-01-04
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)

In applying forr a mortgage the bank alerted me that a towing company was listed at my home address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have nothing to do with this company. I tried to resolve it with EXPERIAN but both there phone system and web-site we non functioning
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2024-04-05
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)

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 XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXXXXXX XXXX  : Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

An accordance with the Fair Credit Reporting act XXXX Account # 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 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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$510.00} XXXX XXXX & XXXX XXXX {$320.00} XXXXXXXX XXXX XXXX XXXX  {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-01
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX : {$26000.00} XXXX XXXX XXXXXXXX Balance : {$320.00} XXXX XXXX XXXX XXXXXXXX Balance : {$26000.00} XXXX  XXXX Balance : {$320.00} XXXX XXXX XXXXXXXX Balance : {$0.00}.
Consumer complaint received 2021-06-29
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On XX/XX/2021 XXXX funds were deposited into my Bank of America debit card account. XX/XX/2021 I went to an ATM to check my balance and withdraw a partial amount of my funds. The correct available balance was indicated on the ATM balance inquiry screen, so I proceeded to withdraw a portion of the funds. The ATM malfunctioned, the screen indicated the transaction was cancelled and I didn't need to do anything further. So I proceeded to another ATM on the premise to withdraw the funds and the ATM indicated it was unable to process the request. I returned to the initial ATM to retrieve the verification information and contact information from the ATM to report the issue. Drove to a different location and the ATM balance indicated that the account was withdrawn the initial requested amount, which was never dispensed. I immediately contacted the number listed on the initial ATM to report the issue on XX/XX/2021, and received a claim number. I have made at least 10 or more contact attempts in person and via phone to Bank of America to resolve this matter and it is XX/XX/2021 and I have no resolve. This has cause financial harm and is well beyond the investigation period indicated in the Regulation E guidelines. I request to be made whole and this matter be resolved immediately.
Consumer complaint received 2022-10-21
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. (WA)

Per XXXX XXXX XXXX - XXXX, TransUnion and XXXX have not fulfilled their obligations in investigations per 15 USC 1681a ( 1 ) ( 2 ) ( 3 ) ( 4 ). During their neglect in completing these investigations in the disputes that have been made, I have received adverse actions and have been discriminated against due to inaccuracies, false reportings & misuse of my assumed consumer report. There has been no thorough investigations nor thorough reinvestigations pursuant to 15 USC 1681i by any of these credit reporting agencies, which places them in violation of 15 USC 1681n. There is no proof that I have given them written or verbal consent in reporting anything on my assumed consumer report or to furnish an assumed consumer report with some of my private personal information that was obtained fraudulently. This is in violation of my rights as a consumer and I demand this to be rectified. They have deleted " chosen '' false information that was previously on my consumer report, however, are continuing to furnish items on my assumed consumer report that negatively impact my rights as a consumer without any just investigation, reinvestigation or explained verification that they verified the information is correct. They are wilfully denying my right as a consumer, and are therefore acting wilfully unlawful and are federally due to be held accountable. 

A link is provided via the source of their fraudulent and unlawful activities ( lack thereof ). 
https : XXXX
Consumer complaint received 2022-10-29
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. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed manyACCOUNTS which do not belong to me. Since Im a stickler for research, I found that under section 605b ofthe FCRA you are required by law to remove & block any ACCOUNTS which are found to be opened due toidentity theft. The dispute ACCOUNTS do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (NY)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists