davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-01
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)

In accordance with the Fair Credit Reporting Act. The following accounts are violating my rights. 

XXXX XXXX - {$250.00} Last Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} Last Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$3200.00} Last Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$140.00} Last Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$2500.00} Last Reported : XXXX XXXX XXXX XXXX XXXX XXXX U.S.C. 1681 Section 604 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 authorization.
Consumer complaint received 2021-05-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY (NC)

American Express reported different amounts and dates to XXXX XXXX and XXXX  the written off amounts and and date this item will stay on my credit record. My rights have been violated and according to the fair reporting act inaccurately reported information needs to be Deleted!
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (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.

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 XXXX 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 2023-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

on XX/XX/2023 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-22
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)

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 2023-06-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

COLLECTIONS ADDED TO ALL THREE COLLECTIONS BUREAUS-XXXX XXXX, XXXX XXXX XXXX XXXX XXXX AND IT IS PAID. PLEASE REMOVE FROM ALL THREE BUREAUS. 
1. TRANSUNION 2. XXXX 3. XXXX
Consumer complaint received 2024-03-30
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)

A professional scam artist portrayed himself as a licensed contractor, took a check from me and made up the number he wanted to be deposited and deposited it. I tried reaching out and fighting my bank and they were not able to help. Based on the information i have seen now seeing this guy is famous for scamming in XXXX california. He builds trust and then tries to take all of your money
Consumer complaint received 2021-03-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Accounts & Advisers, Inc. (MN)

A few days ago I requested my credit report and I was surprised that this American Account Adviserds company was reporting information on my credit report without first verifying the account and without notifying me about this charge. If I did not open my report, I would not find out about the existence of this account, which is total abuse against me.
Consumer complaint received 2017-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX has continuously checked my credit even after having called them and explaining that I do not want, nor have I ever, applied for credit with them. 
I have not applied for any credit in XXXX, and XXXX has run my report at least 3 times! None of which times were authorized or initiated by myself. 
I called the credit bureau and had place a freeze on my ss, but this has not stopped XXXX from running my credit again at least twice after the fact. 
I want this ended, yet XXXX continues to run my credit regardless of the freeze on my social security number.
Consumer complaint received 2021-01-26
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: CMRE Financial Services, Inc. (TX)

I received my credit reports on XXXX, Notice a negative report sent to collections for the amount of {$360.00}, ( if i hadn't request my credit report i would'nt never known about this ) also reported an unknown address in my credit report. 
I called XXXX to file dispute on XXXX, XXXX asked if i contacted the collection agency shown on report i said not yet, I figured call XXXX first ; XXXX suggested to me to give CMRE Financial service a call and let them know the situation. 
I called CMRE Finan Serv on XXXX and talk to a representative to file dispute on my behalf, I was told the SSN # they had matched my number, I told the CMRE representative the address shown on my credit report was not my address, That I've lived on the same address for over 40 yrs, I told the CMRE representative it was not me ; that it was not my bill ; that I never lived on the address shown in my report ; in XXXX Tx I never received any services on the location shown on my credit report ; XXXX XXXX XXXX, The CMRE representative mention was for services provided on XXXX for a Chest Ex-ray, again I said it's not me you have the wrong person. 
I called again talked to a CMRE representative on XXXX to ask for an update on my case, they said it was going to take some time didn't know how long ; case was still under investigation, CMRE representaive suggested i file a police report.
Consumer complaint received 2023-01-05
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. (NY)

XXXX illegal holding my funds for an unsecured credit card ending in XXXX under a so called right of offset which by law doesnt include credit cards. The credit card was supposed to be charged off back in XXXX, I went through a divorce in XXXX that was the caused of my financial hardship during this time I requested a XXXX and was advised to write a letter stating a payment plan and they wanted 75 or 80 % back than. and currently displaced homeless due to financial issues. I was in XXXX XXXX visiting my daughter when XXXX locked me out of my accounts without notice or warning and told me someone was going to get in contact me which no one reached out, I had to find a way to get back to XXXX  and went straight to the XXXX XXXX to see what the issue was, I was told to call XXXXXXXX XXXX  agency because they was in control of my accounts and when I called them they said they dont have any record of my account. I recently received a phone call from a law office of XXXX XXXX XXXX XXXX, XX/XX/XXXX. I requested information about a judgment or what rights do this XXXX XXXX  have to hold my money in account with allowing me to withdraw draw but I can deposit. I was never notified of the last payment made in the date was the account closed and charged off, and who the account actually belongs too. XXXX XXXX XXXX settled on XXXX XX/XX/XXXX and still reporting {$15000.00} as if it is still an active debt and updating as if the credit card as if its active revolving the dates and month on the credit report doesn't have a correct dates on it which is Manipulating the Statue of Limitations and the account is time barred In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX XXXX account # XXXX, also account XXXX has violated my rights 15 USC 1681 section 602A states I have the right to privacy. 15 USC 1681 section 604A section 2 also state a consumer reporting agency can not furnish a/an account without my written instructions.

ccordance with section 611 ( e ) of the Fair Credit Reporting Act ( " FCRA '' ), 15 U.S.C.

1681i ( e ), which was added to the FCRA by section 313 of the Fair and Accurate Credit Transactions Act of XXXX ( " FACT Act '' ).! The Commission is the federal agency with primary responsibility for compliance with the FCRA and operates a system for receiving complaints from consumers about possible violations of the FCRA. 
The information on the credit reports are incorrect and the amount can not and will not reflect the true, creating unnecessary hardship Please delete these accounts immediately.
Consumer complaint received 2022-12-25
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. (MI)

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 1692C ( The following collection accounts and inquiries were reported on my credit profile accounts under the following three credit bureaus ( XXXX, Equifax, XXXX ) XXXX Credit Bureau : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-02-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (GA)

In XX/XX/XXXX, I submitted a timely response to recertify my IBR plan. XXXX botched it and didn't process my application, I had to spend time getting them to process it to prevent a payment increase. 

In XX/XX/XXXX, they audited my account and determined that I let my IBR plan lapse in XX/XX/XXXX and they retroactively capitalized {$13000.00} in interest onto my principal. 

I want that interest de-capitalized and I want damages awarded based on interest I have paid on that wrongly capitalized interest.
Consumer complaint received 2024-03-30
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. (NY)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

Since XXXX of XXXX  XXXX XXXX has stolen the identity of XXXX XXXX changing email address and changing information on her credit report using the social security number without consent and continues to do so as of XXXX XXXX. Ive filed several police reports. 
XXXX XXXX opened a XXXX card in the name for XXXX XXXX. And charged items in the amount of XXXX in charges. Several charges on XXXX account amounting to XXXX Credit card came to my address with his name on it. 
XXXX XXXX changed my address at the post office system and had my mail routed to his address XXXX XXXX XXXX XXXX XXXX WI XXXX I have a email from the Postal inspector of XXXX stating the issue of the fraudulent address and a phone transcript. He stolen my XXXX account. Hes changed my XXXX so much that Im completely locked out of that account all together. Proof of that. XX/XX/XXXX XXXX he ordered my drivers license with the stolen credit card he open from XXXX XXXX. 
XX/XX/XXXX {$71.00} at XXXX XX/XX/XXXX XXXX at XXXX he tried ordering food from XXXX with my Capital one The list goes on with several different attempts to open accounts. 
XXXX XXXX tries to log in for my XXXX XXXX  account XX/XX/XXXX XXXX attempts. XX/XX/XXXX XXXX attempts XX/XX/XXXX XXXX attempt and XX/XX/XXXX XXXX attempts. Changed XXXX password change XXXX XXXX my XXXX account as well. I have several email stating someone on Wisconsin computer trying to get into my accounts. 
Recent activity was on XX/XX/XXXX changed my phone number on my credit report XXXX to phone number XXXX and XXXX to XXXX. Old email address is XXXX. XXXX XXXX is making several attempts to hack my emails account as well. He does it at night when Im sleep and notifications wake me all through the night. 
Friday XX/XX/XXXX tried logging in to get my Tax information 5 attempts. 
On XX/XX/XXXX he called XXXX again according to records trying to get access to my XXXX account again. 
XXXX XXXX XXXX XXXX. hes attempting to get into a XXXX account. This has been going on since XXXX of XXXX. There is more attempts that are not listed here. 
XX/XX/XXXX, Capital One calls to tell me that he has tried to open a XXXX capital one card in my name but shut it down. 
XXXX XXXX is resilient and will not stop. This has really become a burden and Ive not been able to function because of this situation. Ive beeXXXX XXXX XXXX XXXX  ever since this has been happening. Included in this lawsuit is for XXXX XXXX
Consumer complaint received 2022-12-27
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. (GA)

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$240.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXXBalance XXXX {$300.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX XXXX : {$760.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$290.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$810.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$420.00} XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX XXXX ) XXXX : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$700.00} ; XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX. XXXX ) XXXX Balance : {$760.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$760.00} ; XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$660.00}.
Consumer complaint received 2023-06-01
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. (NV)

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 should show never late, has MO child support XXXX, MO child support XXXX, XXXX  XXXX, Child Support Enfmnt XXXX 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
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed TransUnion, XXXX and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within XXXX business days. This credit dispute is being submitted as a notification of creditors who are in violation of the XXXX XXXX during the XXXX Pandemic. The accounts that are being disputed, are either in violation of the XXXX XXXX or do not belong to me.
Consumer complaint received 2022-12-26
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)

I, the soul with the given name XXXX XXXX and the married name of XXXX XXXX XXXX, do not accept the resolution given by the public entities named XXXX, Experian and XXXX who act as monitors of soul beings transactions in the extensions of credit. 

I, the soul with the given name XXXX XXXX and the married name XXXX XXXX XXXX, do not owe any so-called debts as listed by the public entities named XXXX, Experian and XXXX. 

I, the soul with the given name of XXXX XXXX and the married name XXXX XXXX XXXX, has NEVER given permission to these entities to list or connect this soul with the LEGAL FICTION known as XXXX XXXX XXXX or any alias thereof or to list any alleged transactions on their public sites/listings. 

If the public entities named, XXXX, Experian and XXXX have dealings with the soul with the given name XXXX XXXX and the married name of XXXX XXXX XXXX, they may send documentation with the proper use of lettering as aforementioned. 

If these entities known as XXXX, Experian and XXXX do not send or communicate to those parties they do business with to send the alleged debts to the soul with the proper use of lettering to said soul, I request all alleged debts be DELETED from the credit listing entities named XXXX, Experian and XXXX. 

Any documents sent with the lettering related to the LEGAL FICTION known as XXXX XXXX XXXX or any aliases related thus will not be addressed by this soul. 


The alleged accounts are thus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-03-23
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. (TX)

I am the victim of identity theft. I have sent my information to the FTC and the credit bureaus and the bureaus have completely ignored me. They have not even processed my fraud alerts. They do not respond at all and it has been XXXX  months. I did all the paperwork perfectly and attached my IDs. They don't respond to me. I need help.
Consumer complaint received 2023-06-21
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. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXX XXXX : {$11000.00}.