davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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

XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 the information is inaccurate.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

I appreciate your attention to removing some of the fraudulent items from my file, stemming from alleged fraudulent activity. However, there are remaining items that require removal. This serves as my second communication regarding being a victim of fraudulent activity, disputing certain items resulting from this crime. The disputed items do not pertain to any transactions for goods, services, or money that I have authorized or engaged in. Kindly remove any items in my credit file resulting from alleged fraudulent activity, as they are unknown to me. Additionally, I have doubts about the accuracy of the information provided on these items and the reported payment history. As mandated by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, I have attached FTC report # XXXX for your reference. Below are the remaining items I request to be removed, categorized by bureau : EXPERIAN : XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$300.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$200.00} XXXX XXXX XXXX XXXX Balance Owed : {$920.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$290.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$200.00} XXXX XXXX XXXX XXXX Balance Owed : {$920.00} XXXX : XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$300.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$920.00}. Once again, the disputed items do not relate to any authorized transactions. Kindly remove them promptly from my credit reports. I anticipate positive results within the next 30 days.
Consumer complaint received 2023-07-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (DE)

On XX/XX/2023, I had received a call from TD Bank using their phone number. I was told that there was fraud on my account and that I had to authorize a certain amount of money so that they could put it back into my account. I was asked to give my social security number, but no login information, which means that they were already in my account but needed a way to get the money out. I was told not to check my account for 2 days so that they could work through the situation, but I found out the put all of my money from my savings into my checkings and sent it in 4 payments using XXXX XXXX XXXX. They sent themselves {$1400.00}, another payment of {$2100.00}, another payment of {$2400.00}, and a last payment of {$2400.00}. I called the fraud department of my bank and they put in a dispute claim but it was unsuccessful due to the fact that I was tricked into authorizing the first payment. I am unsure where to go from here or if I can even get the money back since they tricked me into authorizing something, but {$8400.00} was my entire savings from my first year working at my career job and isnt something I am willing to give up without atleast trying different ways to get the money back. I am willing to talk to whoever I need to, to try and help me work through this because it has been a stressful month for me. Thank you.
Consumer complaint received 2021-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was going to NY. to take care of some business from XXXX XXXX at the XXXX XXXX XXXX at XXXX XXXX XXXX NY. XXXX # XXXX confirmation # XXXX in which i booked through XXXX. On XX/XX/2020 i received a call from the hotel stating they had to relocated the guess in the hotel for that week to do some cleaning and i also email from XXXX XXXX  XXXX on XX/XX/2020 stating i was being relocated to another hotel. the XXXX XXXX XXXX in XXXX XXXX..once i arrived to the hotel the desk clerk took my credit card and charged me for the hotel stay.. not until I received my bill did I see that XXXX Charged my credit card for the prior hotel.. I called Capital One ( my credit card ) and explained what was told to me by the Hotel was closed for that week and I couldn't stay there.. Capital one gave me a phone number to call in which i did and got no one on the other line..I called them back and they gave me another number to call in which I did and that person gave me a Fax number to fax the documentation and the fax number never work. I again call the person back she gave me the same Fax number and again it never worked..the customer service rep.. states she could do no more than that.. i aske to speak to a Sup. and got the same info that did work..i then contacted the XXXX.. the hotel then contacted me by email confirming they were closed during that week and i had to speak to my Credit card company, XXXX  i contacted both and got no results..The Charges are still on my Credit Card Statement..
Consumer complaint received 2015-05-04
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC (CA)

Receivables Performance Management placed a negative report to all three collection bureaus for a past due XXXX XXXX XXXX account that does n't even belong to me. They never tried to contact me in advance through mail or telephone. I have contacted XXXX XXXX XXXX and they confirmed that I do not owe this money and never had any infractions with them in the past. In fact, I am still a customer in good standing with them under a completely different account number. I called this XXXX party agency and they could n't give me straight answers. I mistakenly gave them my birthday for confirmation but when asked for my address or last XXXX of social security, I asked what they had on file and it was incorrect. This has scam written all over it.
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX California edition has a XXXX  on my credit that was opened in 2010 and I stopped living at that residence the same year, however, after almost 11 years the credit agencies will not remove it from my file.
Consumer complaint received 2024-03-01
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. (PA)

Recently I have looked at a copy of my credit report and noticed a collection inaccuracy on my account. This account has been detrimental to my ability to acquire credit. It is my understanding that you will investigate these items for me to ensure accuracy. I have contacted this agency multiple times in request for validation of debt and orignial contracts/agreements. per se my rights 12 CFR Part 1006.

Here is the item i am asking you to verify as accurate : XXXX XXXX XXXX 
Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Account Number XXXX ( Experian )
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

I sent a letter to XXXX, XXXX, and Equifax to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-31
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. (IL)

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 2023-01-02
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. (GA)

I recently ( XX/XX/XXXX ) submitted a dispute to Equifax about an account reporting inaccurately. Equifax responded to the dispute on XX/XX/XXXX, stating the information was verified with the original creditor, and referred me to the original creditor. 

I reached out to the original creditor, XXXX XXXX XXXX XXXX After speaking with the creditor, I was informed they were reporting the correct information that the first date of deliquency is XX/XX/XXXX. I explained to them that Equifax is reporting the first date of delinquency as XX/XX/XXXX. The agent also stated they have not made any updates to the reporting since XX/XX/XXXX when I settled and paid the account off. She stated they would do an internal investigation, then respond in writing.
Consumer complaint received 2021-01-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Source Receivables Management LLC (FL)

XX/XX/XXXX - My wife and I decided to switch from XXXX to XXXX XXXX XXXX. Sprints service was very spotty when I was XXXX overseas. 

XX/XX/XXXX - We make the switch to XXXX XXXX XXXX and pay off our phone contracts with XXXX XX/XX/XXXX - XXXX sends an email asking us to return and promising monetary compensation for returning. 

XX/XX/XXXX to XX/XX/XXXX - XXXX continues to send us bills even though we remind them each time we have paid for our phones in full and paid our final bill. 

XX/XX/XXXX - I am informed that XXXX has sent the bill to collections. 

XX/XX/XXXX - XXXX XXXX XXXX contacts us. I explain that the bill should have never been sent to collections with evidence XX/XX/XXXX - I begin the dispute process with the 3 credit bureaus. 

XX/XX/XXXX - XXXX  investigated and deleted the account from my credit report. 

XX/XX/XXXX - XXXX  investigated and did NOT delete the account from my credit report. They instructed me to contact CFPB with my evidence. 

XX/XX/XXXX - XXXX  investigated and deleted the account from my credit report. 

XX/XX/XXXX - XXXX  XXXX XXXX contacts us. I explain I have disputed the account, successfully have gotten it removed from 2 out of 3 reports, and I will keep working to get it removed from the third. XXXX XXXX XXXX threatens us that they will keep shopping around the debt and keep reporting to all the credit bureaus if we dont pay. 

XX/XX/XXXX - My XXXX XXXX contract ends. I began the process of switching to the reserves to continue to serve my country. To do so, I am required to hold a secret security clearance. Having this account in collections threatens my clearance. I am very concerned I will not be able to provide for my family because of this false debt. 

XX/XX/XXXX - I received another collections attempt from a different company called Source Receivables Management which leads me to believe XXXX XXXX XXXX has followed through on their threat.
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2021-01-12
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. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX 4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX 7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2023-01-02
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)

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX 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 2021-01-12
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. (GA)

I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Consumer complaint received 2021-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I submitted a letter on XX/XX/2020 regarding unknown and inaccurate information on my credit report. As of this date, which is more than 60 days later, I still have not received any response. I am under the impression my disputes, my claims, as well as myself are being disregarded and dismissed. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the XX/XX/XXXX data breach whichmay have gotten into the hands of unauthorized individuals.
Consumer complaint received 2021-01-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc. (FL)

Balance showing on my report in the amount of {$59.00} There has been no response to any of my letters to Online Collections that is being reported on XX/XX/XXXXand also XX/XX/XXXX about this account. Letter was sent XX/XX/XXXX, and followed up on XX/XX/XXXX which has been well over the 30 days to respond to my dispute. This is unacceptable and I feel my rights have been violated. Comment notes show it was disputed but no information has been provided to me and still has inconsistencies. 

Date opened on XX/XX/XXXX shows XX/XX/XXXX but XX/XX/XXXX and XX/XX/XXXXshow XX/XX/XXXX. I do not recognize this account and have not gotten anything to validate this account is even mine.
Consumer complaint received 2023-06-01
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. (TN)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report. I have placed multiple disputes and complaints, and police reports with these companies, but these companies continue to show neglect by refusing to remove the accounts. These companies are continuously unreasonably halting commerce and have damaged my relationship with other creditors and have hindered my ability to obtain certain licenses with the state. This is a recurring problem that needs to be rectified. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. in addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items. If the accounts are not removed a federal charge will be filled against the following companies " XXXX XXXX XXXX, EQUIFAX, XXXX, XXXX XXXX XXXX ". This charge may lead to a lawsuit. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX DC XXXX https : //www.justice.gov/atr/citizen-complaint-center
Consumer complaint received 2023-01-02
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. (NY)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.