davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC (TX)

Original Creditor ( XXXX ) has reported that i owe XXXX for a phone that has already been paid off. on XX/XX/2023 i spoke with XXXX Rep XXXX where she stated on the call that she does in fact see where the phone has been paid off. when asked to send statement regarding the balance owed, she stated she would send them in mail. and i have yet to receive anything via mail nor email. 
the Current Creditor is Source Receivables Mangement ( XXXX ) XXXX
Consumer complaint received 2023-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$41000.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$980.00} XXXX XXXX XXXXXXXX XXXX Balance : {$790.00} ; XXXX XXXX XXXX Balance : {$460.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$150.00} ; DEPT OF ED/XXXX XXXXXXXX Balance : {$0.00} ; DEPT OF ED/XXXXXXXX XXXXXXXX Balance : {$0.00} ; DEPT OF ED/XXXX XXXXXXXX XXXX : {$0.00} ; DEPT OF EDXXXX XXXXXXXX Balance : {$0.00} ; DEPT OF EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-06-22
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. (MI)

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. 

Account name : XXXX Account numberXXXX  Account name:XXXX XXXX Account numberXXXX has violated my rights. Or list of inquiries 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 2023-07-01
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$8.00} XXXX XXXX XXXX Balance : {$150.00}
Consumer complaint received 2023-06-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: AMERIS BANCORP (AL)

Ameris bank foreclosed on my loan and I was not late it was done out of vengeance because I had an XXXXXXXX XXXX because it was caused by an action from Ameris bank The did a non judicial foreclosure on my company offices and at the same time did a judicial foreclosure on my home property. They are evil I was not late and the whole process was done quickly and secretly with no warnings or told that there could be foreclosure. i had no idea but it was done from revenge.. 
on XXXX 2021 the bank froze all my accounts and it was only a few days before XXXX when I found out because when my employees went to cash their last checks before XXXX the accounts were frozen without warning or even information when I called them and it was too late because it was the end of the last day before the holiday and I could not get them all their money I sent all I could but it wasn't enough so some of the children of my employees went without XXXX dinner and gifts. It was a catastrophic event for my company for my brain and for the children. The company soon lost employees vital employees and the word spread fast that I didn't pay the employees which made it impossible to hire qualified help. My loans were on auto pay but the bank did not honor that contract and let the payments go unmade but there was over XXXX dollars deposited and I had over XXXX in another bank so when I was informed I made payments then two months later the they sent accelerations notices and no option to get right but i was not late and at that time the bank voided out the two {$5000.00} dollar checks I had already sent and they had received and I had already sent them multiple checks that they did not cash over {$50000.00} dollars worth... THIS BANK INTENTIONALLY SET OUT TO DESTROY ME AND THEY DID.. They stole over XXXX XXXX dollars from me and destroyed My companies worth over XXXX, XXXX and destroyed my future which would have been in the billions.. 
Then the court said I was in default judgment and I was not I got another hearing where I showed proof I was at the first hearing and the judge verified I was not in default but gave my XXXX dollar home away anyway So now I seek justice anywhere I can and I will get it.
Consumer complaint received 2022-11-28
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (MA)

My SS check was deposited I to my account on XX/XX/XXXX on XX/XX/XXXX I checked my balance which was {$10.00} I immediately contacted Direct Express. In between those 6 days I believe I might have purchased something for {$30.00}! It been a nightmare of me trying to contact them every XXXX weeks and having my claim denied then reopened because they said it was Pre Approved purchases which it wasnt, only pre approved would have been XXXX and I checked with them! About a month ago I called and they gave me a new authorization number and told me I would hear XXXX days and I never heard, I called Monday the XXXX and they told me they would try to send me the information online but I couldnt find it so I called back Tuesday the XXXX and asked to speak to a Supervisor and she told me my claim was closed and if I didnt agree to contact the local authorities which I did that day!
Consumer complaint received 2022-11-28
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. (MO)

XX/XX/2022, I mailed a letter to the company above because I never received a dunning notice and I have no idea what this debt is or how it originated. 

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. 

Account name : 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is my 6th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2000.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX  XX/XX/2022
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

XXXX XXXX XXXX XXXX, GA XXXX & XXXX XXXX XXXX XXXX XXXX, GA XXXX Both of these addresses are on my credit report but I never lived there in my life.
Consumer complaint received 2023-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Consumer complaint received 2017-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (CA)

I got a credit card from  US B ank, the  XXXX   XXXX  card. I pay an upfront fee, and get a credit limit. All perfectly ok. But I use the card daily pay it off every few days, and unknown to me I 'm blocked from using the card after paying it off twice witin my time period even though I have plenty of available credit on my card and not been late once. I was never told I was capped out on using the card AFTER I 've paid it down to {$0.00}. They sell the card based on the points you should be able to accumulate by using it, but then secretly do not tell you that you can accumulate points by using the card once you reach some random specified limit. I would not have paid the {$60.00} sign up fee to use a card that limits my use if it in such a manner where it 's paid off appropriately and I STILL can not use it
Consumer complaint received 2023-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

Ive tried calling all three of the credit bureaus to update and correct my personal information only to get nowhere. It just feels like they do not care about the people anymore or care to help.
Consumer complaint received 2024-03-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities. 

I'm hoping to seek assistance from the Consumer Financial Protection Bureau ( CFPB ) in investigating these discrepancies and resolving them appropriately. With the CFPB 's expertise and involvement, I believe we can work together to restore the accuracy of my credit report. I would greatly appreciate your support in this matter!
Consumer complaint received 2024-03-26
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)

My consumer rights are being violated. Unde r 15 USC 1618b I never gave written consent for these. This is fraudulent behavior. PURSUANT to 15 USC 1681C-1 AND 15 USC 1681C-2 these are to be deleted from my consumer file. They are also a violation of 15 USC 1681EB for maximum accuracy and 15 USC 1681S-2A1A for reporting willfully inaccurate information,. This is causing defamation of character to my public appearance and I will be taking this to litigation under 15 USC 1681n and 15 USC 1681o see attachments
Consumer complaint received 2017-05-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I filed a complaint with consumer protection, in my complaint I specified the credit act requires permissible purpose, to request credit and specified that Experience is citing 'no specified purpose ' as the reason for the credit enquirer on  XXXX  counts.   There  1st reply  to this complaint says ' they are only loged when an enquiry is made '. Experian has ignored the law and is allowing companies to 'certify they have a valid reason ' for requesting my credit. Experian is accepting a 'certified valid reason ' as 'non specified and nothing specific '.   To give out a consumers credit report on  XXXX  counts for No specific reasons, is a violation of consumer rights.   The company Experian has also ignored the subject of  three le tters sent by attorney and not addressed the subject on the attorneys letters.     Failing a satisfactory response from Experian we will be forwarding all letters my attorney sent to Experian and all of  Experians r eplies to - Federal Trade Commission to read and investigate and enforcement.
Consumer complaint received 2017-05-04
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. (MN)

Hi, So in  XXXX  we applied with   XXXX   XXXX   XXXX   for  a Business   Cre dit Card we Authorized them to do a Hard Inquiry on   X/X/   17. Then realizing this product did not waive Foreign Transaction Fees we   reached out to them to possibly do a product change to a  Travel c ard which does waive these fees. They stated it would require another  Hard Inquiry w hich reluctantly we agreed to on    XX/XX/XXXX /17 .  Other than these  2 oc casions I did not make any other authorizations do to a  Hard Inquiry on  my credit report either on       XX/XX/XXXX /17 or  XX/XX/XXXX /17.  Today I just got a notification from  XXXX  that there was new activity so I logged in and saw a new Inquiry I have n't called    XXXX   XXXX   XXXX    or spoken to any of their representatives at all today or even this week. Then I went on Transunion 's site to dispute it and noticed another pull from   XXXX   from   XXXX   XXXX   XXXX  . This is crazy,  XXXX  inquires in not even 4 months from them. I tried to dispute it with Transunion because I did not authorize them for a  Hard Inquiry, o r even a soft  Inquiry for  that matter, but they would n't let me. I contacted  XXXX  they told me to file a CFPB complaint against Transunion so that 's what I 'm doing.
Consumer complaint received 2023-07-01
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. (AR)

I am sending my CFPB Complaint to inform you that the 2 credit bureaus had violated the FCRA Section 605b by inaccurately reporting inaccurate information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with accurate and updated credit report immediately. These are the following accounts that needs to be corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  NC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-07-01
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. (CA)

In accordance with the fair credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXXXXXX # 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-03-26
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. (VA)

Recently I looked at my a copy of my credit report and i noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. 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  {$940.00} XXXX {$810.00} XXXX XXXXXXXX {$1000.00} 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 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 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 2022-11-28
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. (CA)

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have Accounts passed on that should be taken out or blocked. Per FCRA segment XXXX you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXXXXXX .... Balance : {$7200.00} ; XXXX XXXX XXXX XXXX Balance : {$3900.00} ; XXXX XXXX XXXX XXXX XXXX  Balance : {$550.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$99.00}