davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-05
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. (IN)

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 XXXXXXXX XXXXXXXX 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 2017-04-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (TX)

ERC reported me to XXXX that i owe a debt to XXXX which i did not owe on several occasions i called them on a recorded line which i have evidence asking them to verify the debt or sent me proper documentation proving that i owe the the debt they have refused to provide any evidence. And last month i called them again they told me that XXXX have pulled the debt from them and that they are going delete it from my credit report i have recordings its been more than 50 days ERC is still on my credit report reporting for XXXX The Fraudulent actions of ERC is preventing me from obtaining credit.
Consumer complaint received 2024-02-29
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. (NJ)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2023-02-23
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. (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. 

XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX 15 USC 1681 section 602 A states I have the 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 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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. 


As a consumer by the law my credit report must be made 100 % accurate immediately by the credit reporting agencies updating and or deleting the accounts listed in my disputes.
Consumer complaint received 2024-02-29
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. (OH)

My credit file has been mixed up with my sons we have similar names and share the same address. His accounts are reporting to my credit report. 

These account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) Mistaken identity/ does not belong to me.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 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 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I noticed unauthorized inquiries on my report. I believe that someone has stolen my identity and applied for something in my name. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-31
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. (TN)

The credit bureau stated XXXX XXXX XXXX Reported : XX/XX/XXXX XXXX XXXX, XXXX Reported : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX - XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX US DEPT. OF EDUCATION/XXXX  Reported : XXXX. XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX DEPARTMENT OF EDUCATION Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate, this ground for removal. They also violated my rights under 15 U.S.C. 1681 section 2 : the law clearly states a consumer reporting agency can not furnish a account without my written instructions. They also violated my rights under 15 USC 1681 section 611 ( 2 ) ( a ) : the law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes. They also violated my right 15 USC 1681 section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Consumer complaint received 2017-03-30
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION (MI)

The company that I have an auto loan through calls me when I 'm a day late. They call me at least 5 times a day, not leaving any messages. We have asked them to stop twice, and they do not. They claim they use a " dialer '' and they have no control over that.
Consumer complaint received 2023-01-24
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 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 2023-05-16
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. (AZ)

This is my several attempts to notify you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XX/XX/, XXXX XX/XX/, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 2023-05-16
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. (NJ)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

Fraudulent account appearing on my credit report. 

XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

An associate  XXXX   XXXX  at USAA bank sent to my   XXXX   XXXX   credit card account an after  XXXX  stating that my payment to my credit card were fraud. Which was not true I made them payments and they were legit.   XXXX   XXXX   credit services   sent back to USAA my payments fr om  XX/XX/XXXX  thru  XX/XX/XXXX  the amount of {$1400.00}. USAA have received the funds since  XX/XX/XXXX . U SAA has not return my funds to my account as of yet. I have called and complained for over a year now. No return calls or any contact. A representative from CEO 's office gave me a number  XXXX   XXXX  at  XXXX   Extension   XXXX  that she do n't answer or return calls at all. They asked for documents stating they have my funds and I faxed them   XX/XX/XXXX .That was not accepted they wanted the credit card services to fax it to them and the y did so. This issue has gone over a year. They interrupted my credit card without my permission and without notifying me. Made   XXXX   XXXX   return my funds and kept the money, that is against the law.
Consumer complaint received 2017-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (ND)

I had  Chase Credit Cards  for 20 Years. Suddenly, TODAY, they closed  All   XXXX  of my  Chase Credit Cards  without warning or reason. When I called them, they simply replied that they decided to end the relationship without explaining why. I had Very  High Credit Lines, and always Paid on Time.  Never carried Any Balance.
Consumer complaint received 2023-06-05
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a 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.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXX credit card includes a person 's credit score in their monthly statement. I had an unexplained XXXX point drop in my credit score over the two months XXXX XXXX from XXXX to XXXX and no one can tell me why ( it stands at XXXX in XX/XX/XXXX ). See attached. 

XXXX card said the information is based on data from TransUnion. There has been no change in my credit card history, I have no loans or mortgages and I pay my balances in full every month which was confirmed by my credit report. My score has been in the XXXX for years so this unexplained drop is concerning. I would like to know why it happened so the problem can be fixed, but I have not been able to get any answers from TransUnion or XXXX. I recently retired at the end of XXXX and this unexplained drop occurred in XXXX. I hope that's just a coincidence as there were NO other factors to have caused this drop. 

XX/XX/XXXX - I obtained my free credit report from TransUnion which showed nothing unusual, all balances paid in full every month. All 12 creditors ( several accounts have been closed ) showing " ok '' for every month. There is nothing on the report to dispute, it's just the drop in my score which has no basis. 
XX/XX/XXXX - I called TransUnion 4 times. They transferred me back to the main number, then gave me the phone # for XXXX XXXX XXXX XXXX XXXX XXXX which only deals with XXXX scores, then transferred me to a " supervisor '' who told me I could get my score for {$.00} at XXXX which is just the free report and gave me the phone # for the same place. At the end of my last call, he did tell me that the number that XXXX card was showing for XXXX XXXX ( XXXX ) was incorrect, but would not tell me the correct number unless I paid {$10.00}. 
XX/XX/XXXX - called XXXX to let them know that the information they were providing about me was incorrect, but he did nothing more than refer me back to TransUnion and to tell me to check their website for further information on the score ( what's hurting and what's helping ) which I did. Their explanation said that there was " insufficient information about my installment loans. I HAVE NO LOANS. Apparently, I am being penalized for my lack of debt/loans ( see attached ).
Consumer complaint received 2023-01-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (GA)

I have been trying to get gas and withdrawal money from my savings account to get to work since XXXX. I called TD banks several times they keep telling me theres nothing wrong. Then they tell me I cant withdraw money with my debit card. Ive done it plenty of times. It is now XXXXXXXX and they going to tell me my chip is not work in g. I am stranded right. No money no job someone should be held liable
Consumer complaint received 2023-02-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Today, I logged into my corporate account at Bank of America and I get a message that my account is " restricted. '' I called the phone number listed, and then was transferred 3 times. After 2hours, the call was disconnected. When I tried again, the business was closed. 

I never received any call or notice from B of A warning before them restricting my account. There is no fraud. The deposits are made by clients. 

I have checks with this account number and it is tied to several accounts. I can not have it closed.
Consumer complaint received 2023-03-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc. (AZ)

The complaint is NOT about collecting the wrong amount. The complaint is regarding a XX/XX/2022 telephone call I had with XXXX XXXX, Debt Collector with NCB Management whom I entered into a payment arrangement for an unsecured debt that I do admittedly owe to his office. XXXX assured me he would place an indicator in his system of record blocking the account from being placed on my credit report. However, the following month I received notification the tradeline was being newly reported as a collection item.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2017-02-28
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

first of all, I am not registering a complaint ( at least, not yet ). My XXXX year old son has been receiving pre approved credit cards for a few weeks ( thus far only XXXX have been received ). I am requesting information on how to prevent my children from receiving these, as I believe it exposes my children to potential identity theft.
Consumer complaint received 2017-05-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Credit Karma (LA)

I tried to set up an account on creditkarma. I was unable to. Because someone already set up an account. Using my personal info. Please something has to be done.
Consumer complaint received 2023-01-24
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: HYUNDAI CAPITAL AMERICA (FL)

Sent identity theft letter to all XXXX credit bureaus, XXXX, XXXX and XXXX. I also reported to creditor and did not received results. I sent letters to credit bureaus on XXXX XXXX
Consumer complaint received 2019-02-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (MD)

Cach LLC ( Docket # XXXX ) was released in bankruptcy discharge XX/XX/2013. However, they are still reporting a judgement on my credit reports.
Consumer complaint received 2017-10-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (NE)

I was contacted by a debt company, Diversified Consultants, the gentleman on the line identified himself then got real aggressive as to who I was, wanting information I will never give over the phone to someone I do n't know. He mentioned I owe a debt to XXXX. I do n't owe a debt to XXXX. He got very aggressive then hung up. I called back and spoke to a woman who again, wanted all of my information, again I asked what this was in regards too, she started giving me my address, phone numbers, personal information and stated I owe a debt to XXXX from XXXX ... I 've never had a debt to XXXX. Then she provided a number we had with a business there, insisted it was filed for collections with them on XXXX-XXXX-17. I told her I would contact XXXX, she said go ahead and she too hung up on me. Then I called back three additional times asking for the address so I can send a dispute letter fearing they will try to collect something I do n't owe and from so long ago! How can I even prove I do n't owe anything???!!! With much aggression I was yelled at, asked to give my info and not given the address ... .each time I was hung up on. I did get partial recording of one of those conversations. I stated I wanted to have the mailing address and they refused to give it to me! Wow, I do n't want them messing up my credit for something that is n't valid. What do I do?