davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-14
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)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Account XXXX : XXXX Delete this account. 


XXXX. XXXX Account XXXX XXXX Account XXXX : XXXX Delete this account. 


XXXX. This account was never late XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX Account Number : XXXX Delete this account. 

XXXX. I was never 30 days late in this account. 
XXXX Account XXXX : XXXX please update all payment, all payment was made on time XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 



XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. The inquiry was not authorized VETERANS UNI Date of inquiry : XX/XX/2023 XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2023
Consumer complaint received 2023-06-17
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: WELLS FARGO & COMPANY (NC)

Well Fargo account. 



I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX  fraudulently used my nonpublic personal financial information by disclosing said private information information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15
USC 6802 ). XXXX XXXX  is depriving my of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EXPERIAN Consumer Reporting Agencies by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Paramount GR Holdings, LLC (KY)

I have not supplied proof under the doctrine of estopper by silence, Engelhardtv Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2023-09-09
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: EQUIFAX, INC. (PA)

In XX/XX/2023 I won judgement against a company. The judgement was that I was not responsible for whatever the collection agency claimed i owed ( XXXX XXXX XXXX XXXX ) or was in fact even mine! 
I then contacted the original creditor about the reporting on my credit report. They suggested I reach out and disputed with credit bureaus. 
After, doing so with the bureaus XX/XX/2023 XXXX update the account as closed instead of deletion of account in its entirety, in which is effecting my ability to gain resources to live a daily life comfortably.
Consumer complaint received 2022-11-24
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX STATES I HAVE THE RIGHT TO PRIVACY XXXX XXXX XXXX XXXX XXXX XXXX XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2023-09-09
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. (NM)

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 2023-09-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Upgrade, Inc. (MO)

I have reported to upgrade LLC for the last 2 years to cease and desist any contact and they continue to send billing statements monthly when I closed this account back in 2021 after signing up with said company for only 2 months due to their bad business practices.

I do not do any business with Upgrade and I am not requesting that they cease any further soft pulls against my credit report as " permission purpose / account review '' Do not pull, view, nor attempt the offer any upgrade products or services to me Upgrade was the worst company to get rid of, they create alot of hoops and abuse customers with long wait times and multiple disconnects of calls.

I am quite surprised that this company hasn't been fined due to the way they operate.
Consumer complaint received 2022-12-07
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. (FL)

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

XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period.

( II ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XXXXXX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.

( ii ) Reporting Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current.

( iii ) Exception Clause ( ii ) shall not apply with respect to a credit obligation or account of a consumer that has been charged-off. 



In accordance with laws mentioned above " XXXX XXXX XXXX '' offered XXXX payments and still is reporting this account as late.
Consumer complaint received 2023-06-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (MD)

On XX/XX/2023 I tried to make a payment to a XXXX XXXX of XXXX XXXX XXXX using the WISE  Payments limited online service. Wise deducted XXXX from my bank account. One day later Wise canceled my account without a specific explanation and did not accept my appeal to reinstate the account. The message from Wise  said that any pending transfers would be returned shortly. Unfortunately, I have only received a refund from Wise XXXX  XXXX  which is considerably less than they deducted from my account. 

Surprisingly another transaction for XXXX XXXX ( XXXX ) done around the same time went through.
Consumer complaint received 2023-04-21
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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

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 2023-09-08
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. (FL)

I have already tried to dispute these several account with the credit bureaus but they're a not doing their job. I haven't received any proof regarding their information they are inaccurately and negatively reporting on my credit reporting file for these accounts. This is very fusturating because I know for a fact they are violating FCRA laws and Metro 2 compliance standards. I have challenged these items time after time and still they are harming my credit reporting. I need them to do a proper investigation and remove all information that is not correct and provide me with physical proof. These are the accounts listed below I have attached my credit report and letters XXXX XXXX XXXXXXXX - Account # : XXXX XXXX XXXX  - Account # : XXXX XXXX  XXXX - Account # : XXXX XXXX XXXX XXXX Account # : XXXX
Consumer complaint received 2023-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN EXPRESS COMPANY (FL)

I had intentions of paying the balance but having placed on my credit profile without contact is unprofessional. Furthermore a representative informing me that this could negatively impact my credit isnt within the guidelines for a creditor/debt collector to discuss with a customer.
Consumer complaint received 2018-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BTH Management (SC)

XXXX XXXX, which is a collection agency, began reporting a new open delinquency to XXXX on XX/XX/XXXX. They list the original creditor as XXXX XXXX XXXX XXXX. I had to research to find out that XXXX XXXX is parent company to a payday loan service in Ohio. I may have had business dealings with a payday loan service in Ohio no later than summer of XX/XX/XXXX, but am unsure. I certainly did not open an account in XX/XX/XXXX, stop paying a balance, or admit to owing any such balance. I have several times disputed the reporting of XXXX XXXX, which continues to get me nowhere. Now I am having difficulty getting a mortgage because of this, as it factors into my DTI at 5 % monthly payment of the balance of the reported debt.
Consumer complaint received 2018-04-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I made a dollar payment with XXXX in my bank account and after the charge I was left with XXXX XXXX but the Bank of America said I didnt have the dollar to pay when I clearly did
Consumer complaint received 2021-05-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (NC)

I hope all is well I wanted to start off by saying I appreciate banking with you and the over draft protection thank you very much and I apologize this has happen. Im writing because I lost my bank card and I been trying to get an representative over the phone for over a week and every time I call its 25-30 min hold times. I can not waiting on hold that long so I dont know if Im calling in at the wrong time but its like all day through out the day. Im not able to go in the branch due to the virus and I have a XXXX XXXX  and a XXXX XXXX XXXX and Im not risking there lifes or mines. Because it seems like the virus is getting worse not better even though its an vaccine out. I needed a new card mail to me, which one is on its way because I have a check from XXXX the I could of deposit it to avoid the overdraft fees and the return check fee. Its not my fault that is an pandemic thats what caused my fees. I would been had my check my back pay from XXXX if the virus never came is delaying everything and making it hard for me to handle my business due to I cant risk catching the virus or bring my children in places especially my newborn that can wear a mask. This is all a big mess. I really need my fees back like its honestly not my fault and I truly apologize. Once XXXX starts releasing my back pay from 2015 everything will get better. I also talk to them about mailing my check instead deposit it because this wouldnt of happened at all. I just cant go in to the branch to get a new card its too risky so its all the pandemic not my fault. I apologize again. Thank you for your time. Have a wonderful day and please be safe.
Consumer complaint received 2023-04-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Prince Parker & Associates (TX)

They are calling all my family members everyday. They are also tells them that they are law enforcement and saying they are gon na take legal court action and even XXXX They are telling my family that they are gon na go to their houses and then to my job. They call everyday harassing. My family blocks them and they still keep calling
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX
Consumer complaint received 2023-06-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had a phone scam and transferred {$890.00} thru XXXX. I reported the fraud immediately to my bank and I received a letter from Bank of America would not reimburse the funds. 
I do not understand why my money isnt protected by the Electronic Fund Transfer Act of 1978. Thank you for any help.
Consumer complaint received 2023-04-21
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. (LA)

Despite many written requests, the unverified items listed below continue to appear on my credit report in contravention of federal law. Both Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) stipulate that these materials must be authenticated. If you do not validate these goods, I will file a lawsuit against them. Please abide with the law so that we can resolve this swiftly. I need the following items to be corrected from my file right away 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 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-03-12
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. (TX)

I am the victim of identity theft, the credit bureaus have not responded to my report claiming identity theft and they did not remove any of the accounts nor did they validate them and they definitely didn't block them 4 days after receipt of my report per FCRA 15 U.S.C 1681 C-2.
Consumer complaint received 2022-11-03
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc. (IL)

On XX/XX/22, I received a letter from Comenity, asking my to contact their office to complete my application for credit. I never applied for a card thru this company. I contacted Comenity and they documented/cancelled the application.
Consumer complaint received 2023-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-05-04
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. (PA)

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXXXXXX Balance : {$6100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX