davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

ON XXXX I NOTIFIED TRANSUNION BY CERTIFIED MAIL XXXX THAT DEBT TO XXXX XXXX XXXX AND XXXX XXXX XXXX  WHERE NOT MINE OR AUTHORIZED BY ME. I RECEIVED THE SECOND FORM FOR DISPUTING A CHARGE TO WHICH I ALREADY DID MONTHS AGO. MY CREDIT SCORE WAS XXXX AT THAT TIME AND THE PHONY CHARGE LOWER IT TO XXXX WITH ANOTHER COMPLETLY DEBT THAT I AM DISPUTING AT THIS TIME. AS I REMEMBER XXXX PLUS YEARS OF CREDIT REPORTING I DO NOT REMEMBER ANY BAD DEBTS ON MY REPORT.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (MI)

I have spent a great deal learning now the difference in finance and credit industry. I have spent a great deal trying to work with EXPERIAN, XXXX, XXXX but nothing more insulting think we don't read our rights. After the appeal to fix my credit report was answered by one so far ( XXXX ).
Consumer complaint received 2023-08-19
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: EQUIFAX, INC. (DE)

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 2023-08-19
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: EQUIFAX, INC. (NC)

This is my numerous 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 records 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 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 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 2023-09-08
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)

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action.

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence.
Consumer complaint received 2023-07-13
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. (VA)

XXXX XXXX XXXX ( XXXX ) and XXXX  ( XXXX ) are violating my rights. 

I am rejecting their response because I have already been in contact with this company and spoke with supervisor XXXX whom was very defensive. I politely asked them to provide me with the original contract of this claim and all she told me was that they have a Sales Certificate and there is no law that says they have to have the original signed contract. When she stated that she just admitted that they do not have the contract and violated my rights as a live human being. I also noticed on my Credit Report that this company is reporting this account TWICE under two different names, one is named XXXX  and the other is called XXXX XXXX XXXX. Both accounts are not accurate at all and is fraudulent while hindering my report. I ask again for it to me deleted IMMEDIATELY from all 3 Credit Reports and under my Social Security Number. I have attached below proof of everything I stated above. 

How is this account accurate if the account type is inaccurate, the account numbers are different for the same account, NO Bureau code, different Account types, term duration is inaccurate, inaccurate open dates, the balance is inaccurate, last reported date is inaccurate, & the date last active is inaccurate. Any automated response, or E-Oscar verification is unacceptable. Verification of each account should match according to the Metro 2 Compliance standards. The two accounts listed is entirely inaccurate and incomplete, and must be deleted. 

15 U.S.C. 1681 ( A ) ( 4 ). - I have the right to privacy.

15 U.S.C. 1681b ( A ) ( 2 ) - Consumer reporting agency can not furnish an account without written instructions.

15 U.S.C. 1681c ( A ) ( 5 ) - Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681i ( 5 ) ( I ) -- If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, if the item is found to be inaccurate/incomplete it must be deleted.
Consumer complaint received 2023-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

I checked my account and noticed unauthorized transactions that totaled up to {$4500.00}. I instantly called chase bank and filed a claim. The specialist stated that I needed to show proof so then I spoke to another specialist and they noticed that there were atm withdrawals coming from a different states only minutes apart so he noted the strange activity on the claim but it was still denied. 

My debit card must have been compromised because I used it on XX/XX/XXXX @ XXXX XXXX in XXXX, NY XXXX XXXX XXXX XXXX and an unauthorized withdrawal was made on XX/XX/XXXX @ XXXX XXXX, location XXXX XXXX XXXX XXXX XXXX , NJ XXXX. 

I dont understand why my claim is being denied because it is impossible for me to get from New York to New Jersey in under 10 minutes.
Consumer complaint received 2017-03-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Performance Settlement, LLC (CA)

I got a call from Perfmance SLC saying that they could get my student loans payments smaller or even forgiven. So they set up an automatic payment to be taken out of my bank account each month and the last two months they have taken {$100.00} out of my account but did not pay it towards my student loans like they said. They did however sign me up to get my loans consolidated, so they could keep taking money out of my account without ever being caught. I would like to try and get if not all but at least some of my money back for I am unemployed at the money and every little bit of money helps.
Consumer complaint received 2023-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Consumer complaint received 2023-09-08
Product: Credit reporting 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. (FL)

I want to report some fraudulent inquiries that are on my TransUnion credit report and I want them to be deleted as soon as possible. Here are the fraudulent inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (RI)

Ally Financial - XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX A car dealership kept running my credit for vehicles I did not want or authorize my credit to be ran on. I got denied for the car I wanted and they kept running it for similar ones without my knowledge. I tried to call and complain to the dealership and they did nothing. I texted and called the finance manager and they did not respond or return my calls. I was taken advantage of and want these removed from my credit.
Consumer complaint received 2023-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE (NV)

Also in XXXX, when I got hacked out of my other bank accounts, I got hacked out of my TCF Bank account. 
To my surprise, the CFPB closed the complaint, because TCF Bank who is now Hunting bank said " the complaint doesn't belong to them. '' XXXX I have live-streamed a call with stalkers at Huntington Bank. I'm happy to share it. 

My TCF bank debit card is even still active. It expires this month. How can they claim I wasn't their customer?

However, after the murder attempt in XXXX, they declared me dead, and booked my money to a different account. Naturally, I don't know the number.

I do know that Huntingbank lost their banking license over this ( and similar scams. ) And I do know that my small business account with over 2,4 Million USD on it is open and untouched. 

Also, see : XXXX  The live-streamed calls are on the XXXX page of XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Amount : {$1300.00} I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) XXXX XXXX XXXX, XXXX presume that no proof of the alleged debt, nor therefore an ) such debt, in fact therefore exists. 

Also In accordance with the fair credit Reporting act XXXX Account XXXX, has violated my rights. 

15 USC 1681 Section 602 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 1666B : A creditor may not treat d payment on a credit card account under an open end consumer credit plan as late for a purpose.
Consumer complaint received 2023-03-28
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: Experian Information Solutions Inc. (CA)

Hard inquires from these companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

This is XXXX XXXX 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 2023-05-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (CA)

I received a mail from Wakefield and Associates said that I have owned another funding firm. 

I never doing any business nor using their services/products, even never heard of those 2 companies before. 

I did some research and both of those 2 have more than 3000+ negative complaints and reports for scammers and fraud.
Consumer complaint received 2023-09-06
Product: Credit reporting 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. (FL)

I have called the creditors and credit bureaus to let them know the inquiries included in the document below are not supposed to be reported to my credit. These should not be visible on my consumer report. I never gave them written consent to report them. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with COMPANY NAME. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with COMPANY NAME for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Consumer complaint received 2023-11-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

I have previously made a request for validation and your response, or lack of response does not comply with its closure requirements set forth by the Fair Debt Collection Practice Act. You have not provided me with any evidence to establish that I owe you any money. Therefore, your failure to respond in a timely manner is counted as an admission that you are unable to support your claim. I owe you nothing. I now have evidence that you are creating a frivolous lawsuit.
Consumer complaint received 2023-06-07
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. (CA)

I hired a credit repair person to fix and repair any errors on my credit report. 

After making contact with XXXX XXXX ... XXXX, XXXX, Equifax, XXXXXXXX XXXX removed an account in good standing that helped my credit score. However, they decided to leave an account that that had late payments but a {$0.00} balance and removed accurate info and original consumer statement. 

Latest dispute resulted in no changes and a generic consumer statement from a pull tab. 

This has unfairly hurt my credit rating as the good account balanced out the current account.
Consumer complaint received 2023-09-08
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. (GA)

On or about XX/XX/2023 I filed a complaint to the cfpb about All Credit Reporting Agencies failed and as of today still failing to comply with the following : 15 U.S. Code 6802, part of the Gramm-Leach-Bliley Act ( GLBA ), requires financial institutions to protect their customers ' personal and financial information. The GLBA also requires financial institutions to : Not disclose nonpublic personal information to nonaffiliated third parties unless the consumer receives sufficient notice Provide a notice of their privacy policies and practices to each customer Allow the consumer to opt out of the disclosure of their nonpublic personal information to a nonaffiliated third party The notice must include the categories of information collected and disclosed. The financial institution must provide the initial notice to each customer when a customer relationship is established 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been at least 6 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
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. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Pursuant to is uses, Is owe no debt, this company is violating my consumer right to privacy pursuant to is use 1681 b 2 company has also No permission to report any of my information pursuant 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.
Consumer complaint received 2023-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2023-05-02
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. (FL)

For now, I believe there are still accounts with my file that need to be updated. I thus ask that all of the false information attached and listed in my credit file be corrected right now. 
XXXX XXXX XXXX Balance : {$2600.00}, XXXX XXXX XXXX XXXX Balance : {$1600.00}