davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-23
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. (MI)

I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX and Transunion LLC for their failure to delete two fraudulent accounts from my TransUnion credit report, despite XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. This matter has caused significant distress and harm to my financial standing and reputation. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. On XX/XX/XXXX, I submitted a dispute to TransUnion regarding an erroneous account that appeared on my credit report. This account was fraudulent and should not have been associated with my credit history. On XX/XX/XXXX and XX/XX/XXXX I responded to XXXX XXXX XXXX XXXX XXXX XXXX and my exact words were This account is not mines I never done business with your company or if I did please send me documents where I gave your company any consent to do business with me, if this information can not be provided please cease and desist. Best regards, XXXX XXXX XXXX. But they keep on sending letters without validating any debt they say I allegedly owe them. They keep harassing and abusing me through 3rd parties like the these credit agencies. However, TransUnion responded to my dispute by verifying the accuracy of the information and refusing to remove it from my credit report. It is my understanding that before reporting any information to a consumers credit report, credit agencies such as TransUnion are required to obtain written consent from the consumer. In this case, it appears that TransUnion failed to adequately investigate the disputed information before reporting it as accurate. This failure to investigate properly has resulted in TransUnion damaging my character, causing undue stress, and putting a strain on my life and reputation. By allowing inaccurate and misleading information to remain on my credit report, TransUnion is impeding my ability to secure credit and financial opportunities. I believe that TransUnions actions in this matter constitute a violation of consumer protection laws and regulations, including the Fair Credit Reporting Act ( FCRA ). I respectfully request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that TransUnion and XXXX XXXX XXXX XXXX XXXX complies with its legal obligations. Furthermore, I request that XXXX XXXX XXXX XXXX XXXX XXXX XXXX accountable for its failure to delete the unverifiable account from my TransUnion credit report, despite having done so with XXXX and XXXX. Their inconsistent actions have caused confusion and further harm to my financial standing. Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address this issue and protect consumers like myself from unfair and deceptive practices by credit agencies and debt collectors. THANK YOU!
Consumer complaint received 2023-03-17
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. (IL)

A investigation was stared on XX/XX/XXXX for me to receive proper documentation of proof that I XXXX XXXX XXXX XX/XX/XXXX XXXX last XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account open date XX/XX/XXXX have a account with : XXXXXXXX XXXX XXXX XXXX XXXXXXXX No such account was open. 
It is now XX/XX/XXXX and proof of documentation has been provided to me within the 30 days.Please remove this item from my Credit Report
Consumer complaint received 2023-03-17
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. (TX)

XXXX is reporting a late payment in XX/XX/2021. I have contacted XXXX and have no record of this late payment. I have sent tall the bureaus several letters regarding this inaccurate and unverifiable late payment reporting on my consumer report. I have stressed how this is affecting my credit and hurting my life. I was never late on this account and I have always paid my bills on time as you can see. Therefore, I do not appreciate no one has corrected this inaccurate information. I have asked all the bureaus for variable proof and have yet to have received proof on how they reported this.
Consumer complaint received 2016-09-29
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: N&S Partners (MO)

Excuse any/ all spelling errors, the message was n't clear. 

I had returned a phone call that stated a complaint was being filed against me for a debt from 2005. The company sounded like XXXX and associates and from a lady by the name of XXXX XXXX, phone number XXXX XXXX XXXX XXXX. She said my HR department was already being contacted to file a judgement. I have recently closed a bankruptcy case ( end of XXXX ) and no where was that debt listed on my report nor any attempt to collect it has been attempted until this point. 
She said the original amount was around {$2400.00} and now it is over {$6000.00}. 
She was also very threatening towards me on the phone when I hesitated to give her any personal information.
Consumer complaint received 2024-03-23
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. (MI)

I have requested XXXX XXXX XXXX to produce and send me. All original contract documentations with my signed signature pertaining to alleged delinquency 30 day past due debt for XXXX of XXXX. That is being reported as a past due delinquency on my TransUnion credit profile. I sent a certified letter on XX/XX/XXXX requesting the original contract along with payment history documentations. It's been well over 30 plus days and XXXX XXXX XXXX  has yet to produce or mail the original contract documentations or the payment history pertaining to alleged 30 day past due delinquency debt hat is being reported on my TransUnion credit report. ( See Attached certified letter mail date and receipt )
Consumer complaint received 2023-03-16
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)

In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX had violated my rights! 
15 usc 1681 section 602 8 states I have the right to privacy 15 usc 1681 section 604 a section 2.

It also states that a consumer reporting agency can not furnish your account without my written instructions.

15 usc 1681 ( a ) ( 5 ) states no consumer reporting agency can make any consumer report containing any of the following items of information any adverse items of information other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2023-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-23
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: EQUIFAX, INC. (SC)

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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX 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 2023-01-20
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. (FL)

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

XXXX XXXX : # XXXX, XXXXXXXX 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 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 or 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 2017-04-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: ENCORE CAPITAL GROUP INC. (IL)

Midland Funding is in accurately reporting an account with XXXX XXXX that is not mine. This account was disputed with creditor as well as the credit Bureaus. I have also yet to find a bond on file for said company for the state of illinois which is required to lawfully collect debt in this State.
Consumer complaint received 2023-01-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NY)

On XX/XX/2023, I was contacted by XXXX  XXXX XXXX ( with Drive-thru ATM ) informing me of withdrawals and deposits under my name. Not having an account with them, I was told the account would be closed and told to call a number, XXXX and told to call what I was led to believe was Zelle services. 

Their representative lured me into sending money under the guise it was a transaction code meant to cancel any transactions with them and to inform my bank of any potential problems. So they told me to input a code using the number XXXX and to the recipient XXXX. They informed me it would send an alert or email to my registered email or phone number with my bank. Of which nothing happened. They then informed me to do so again with what I thought was another code XXXX also to the the same recipient. They told me no money would be transferred and it was a formality. The name under enrolled was " XXXX XXXX '' and when asked who that was, I was lied to and told that was an accountant with that account. In Zelle, there were no confirmations but when performing both of these actions, it prompted a different type of confirmation from my debit/banking service requesting my PIN which has never happened before when using Zelle, further confusing and leading me to believe in what was happening as a legit process/formality. 

Looking at the pending transactions initially at XXXX instead of the numbers requested I assumed it was harmless until I look at the actions completed and the amounts of the numbers input XXXX + XXXX totaling {$1900.00} was withdrawn from my checking account. They informed me they would call back because it seemed like a technical error at which point I realized I had just been scammed. Calling back the respective number I had just called only confirmed, I had been scammed/tricked and that the number I called at the behest of somebody pretending to be from XXXX XXXX  XXXX ( with Drive-thru ATM ) and then pretending to be from Zelle were indeed fraudulent scammers.
Consumer complaint received 2023-03-16
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. (FL)

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 XXXX ( Original Creditor : XXXX XXXX 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 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 2023-06-23
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: EQUIFAX, INC. (GA)

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

Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX 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 2023-05-18
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. (NE)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Paypal Holdings, Inc (AL)

Account was opened in XXXX of XXXX. 
Had a balance high of {$2500.00} Has a current balance of {$1900.00}. 
Last payment was made in XXXX of XXXX from an unknown to me source. 
In XXXX of XXXX I worked with PayPal. Not PayPal MasterCard as they have offered no help. PayPal determined my account was hacked, multiple payment transactions and requests in XXXX of XXXX and early XX/XX/XXXX XX/XX/XXXX XXXX {$180.00} XX/XX/XXXX - {$100.00} XX/XX/XXXX XXXX {$77.00} And others were made from and to this email address. XXXX. From this PayPal MasterCard PayPal reversed them due to finding them being of fraud. 
I spoke with PayPal MasterCard in/around XXXX XXXX and was informed that payments had been made to this account from a debit card ending in XXXX. This does not nor has not ever belong to my husband or myself. PayPal MasterCard refused to look into the ownership of the card or account that made these payments. PayPal MasterCard was provided this email address and within less that 24 business hours after being provided with it closed a fraud case not even investigating this email address. 
Ive never provided identification such as a copy/photo of my id, social security card etc to prove that I even applied for this account
Consumer complaint received 2023-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (FL)

Good evening, I have been having tons of issues with the Goldman Sachs Apple Card. They closed my account in 2022 with explanation that I have filled for the bankruptcy. I called them on multiple occasions to let them know that I never filled for bankruptcy, which could be verified with the courts. However, after so many calls to the card issuer, they sent me letter on XX/XX/2022 explaining that they will issue the adjustment of {$2300.00} and credit in the amount XXXX if I open new account. I have called the bank again, and they admitted they made a mistake, and that someone else had similar XXXX as mine. Now, months later the bank keeps calling me, and trying to collect {$2300.00}. They are stating they have no recollection of anything being sent, or that I have spoken to someone. In our conversation I advised them that I will report them to CFPB, and they did not care at all. I guess they are not aware what CFPB stands for. Can you please advise? I have attached letter that was sent to my personal email. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-09
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. (MD)

In accordance with the XXXX XXXX XXXX XXXX listed accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.Accounts on credit reports are incorrect in balance and was not authorized to share. The following accounts are : XXXX XXXX  acct # XXXX, XXXX  XXXX XXXX # XXXX, XXXX XXXX acct # XXXX, XXXX  acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX  acct # XXXX, XXXX XXXX XXXX  acct # XXXX, XXXX XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX acct XXXX XXXX.
Consumer complaint received 2017-11-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Ballybunion Enterprises, Inc (FL)

I was contacted by a company XXXXXXXX XXXX XXXXXXXX on XXXX XXXX 2017.  They only call by a blocked number. They called my husband discussing a debt that he had no idea about. The debt is not his. They threatened him that if a payment was not made they will garnish his wages and take his tax returns. When I was able to finally talk to someone at the company they were discussing a debt owed to a company by the name of Military Credit Servies it XXXX XXXX XXXX. The debt is not listed on my credit report, this debt is also 4 years old. The gave me an amount that was higher than I though and demanded if I dont pay the full amount or a down payment that they will garnish my wages and take my taxes. I couldnt afford that down payment so we made an arrangement until the down payment was paid fully and then monthly payments after that until the debt was paid off. Something did not seems right as if it was sketchy so I attempted to contact the original company I originally got the loan from but they could not provide me any information. They said it was sold so they could not provide any information. I contacted XXXXXXXX XXXX XXXXXXXX again trying to get the details of the original loan and what was the amount owed. I wanted to see previous payments and when the payments stopped etc. The guy was pretty demanding and hostile so told me if I keep calling his office to get information he will take off the deal and just garnish my wages and my husbands. He could not provide me with any original details of the debt. He told me to contact the original company. The original company told me to contact XXXX XXXX XXXX. Neither one of them are able to give me anything. The attempted to charge my account for the down payment but I never signed and return the agreement to them until I knew for sure what was going on. They attempted to contact me again saying that they will file a suit against me to garnish my and my husbands wages. I am still not able get any information about this debt.