davidheineman/consumer-finance-complaints-large huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 that the information is inaccurate.
Consumer complaint received 2023-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (PA)

I have not supplied proof under The doctrine of estoppel by silence XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists
Consumer complaint received 2023-05-01
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. (FL)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2900.00}, XXXX XXXX XX/XX/2022
Consumer complaint received 2020-03-04
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: EQUIFAX, INC. (WA)

Equifax ; XXXX  and XXXX  are reporting incorrectly a collection in the amount of {$10000.00} on XXXX XXXX XXXX original creditor XXXX XXXX WA account number XXXX. ( Please see page attached from my credit report. ) When I initially moved into the apartment I discovered there with two bulging holes in the roof ; along with numerous other defects in the apartment. I immediately contacted the management office and requested they send the maintenance supervisor and a crew member, along with the apartment complex manager, to investigate the roofing issues, as well as the other defects in the unit. I was assured by the apartment complex manager that these issues would be immediately resolved. The numerous repairs to the unit were never completed. Consequently, I had no choice but to vacate the premises. Due to the numerous repairs that were needed to the unit I was assured by the complex manager that I could vacate the property and that I would be released from the lease and that no collection action would be taken. The apartment complex did not honor their word. The supervising manager fired not only the apartment complex maintenance manager, but the crew member who initially investigated the material defects in the unit. I do not owe any outstanding balance and this false reporting of a collection is seriously harming my credit score. I have tried to contact the management company, as well as the bureaus to remove this collection however, I have not been successful. This line item needs to be removed from my credit report.
Consumer complaint received 2022-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

XX/XX/XXXX Equifax Most recently on XX/XX/XXXX I sent a complaint to Equifax in regards to a incorrect reporting on my credit report. this debit is not mine. so how can they have validated this debit. i still have not received a response from the creditor or any supporting documents from equifax in regards to this debit beside a credit report updated that list the debit as accurate. its is a false reporting and equifax has not fixed it. i was giving no knowledge of this debit before it was placed on my credit report. 


My primary complaint in all of this is Equifax, none of this would have happened if my personal information had not been part of their data breach, and now they are making it very difficult to correct an incident of identity theft. Equifax 's customer service is a brick wall that is impenetrable. I spent an hour on the phone on with 4 different operators, one of whom 's English was so bad it was obvious she was guessing what I was saying and then reading prompts from a script. The other credit agencies have been very easy to work with ( XXXX AND XXXX ) but when I speak to their customer service agents, they inform me that the incorrect information was given to them via Equifax 's records, so only an Equifax investigation will result in the information being removed. 


I have full faith and credit from the department of state. See Im attached documents I want all negative items and hard inquiries removed from my report. 15 U.S. Code 1692e, 15 U.S. Code 1692f, 15 U.S. Code 1692g, hjr 192 public law 73-10, 12 U.S. Code 411. Article 1 section 10 United States America republic constitution 12 U.S. Code 411. Issuance to reserve banks ; nature of obligation ; redemption Article 1 section 10 United States America republic constitution I also have soft and hard inquiries on my Consumer report from several entities that I did not authorize, I have to filed an FTC report with identitytheft.gov Please remove these unauthorized inquiries as well as invalid accounts from my equifax, XXXX, and XXXX XXXX reports. The accounts and inquiries I do not recognize ot authorize are as follows : Accounts - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


The late XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

XXXX  XXXX XXXX, XXXX credit card, XXXX XXXX Bank, XXXX XXXX XXXX XXXX Bank XXXX as well as Sunrise LA and XXXX XXXX are all reporting an account fraudulently, I have contacted to attempt to provide them with an identity theft report and they refused to resolve this issue and delete the item. I am a victim of identity theft and they show a serious lack of regard or care in the matter. I have also attempted THREE TIMES to resolve this with all three credit reporting agencies as well via their dispute process however am unable to achieve results due to the automation of their processes. They continue to state that the account is verified when I request proof of this verification they fail to provide me with said proof. All the credit bureaus have done is parrot information given to them by the creditor in question. The continued willful and negligent noncompliance of the aforementioned parties I believe is in direct violation of 1681 ( a ) ( 4 ) of the FCRA.
Consumer complaint received 2022-12-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HANCOCK WHITNEY BANK (LA)

Around XX/XX/XXXX or so I was very ill still him I have XXXX. At the time I had XXXX I had a friend over for 3 Days to help me out he used to be an XXXX his name is XXXX XXXX. He took complete advantage of me not only did he do some online things with my checking account he also stole my food stamp benefit card. My last day of work was XX/XX/XXXX I'm on XXXX and I had to close my checking account because it was overdrawn by {$1100.00}. It was Hancock Whitney Bank and my first XXXX check went to that account and they refused to give it back. A man called around the XXXX by that time XXXX was gone. He told me his name was XXXX XXXX and that XXXX was supposed to send money back to him via prepaid cards and cash app I started asking him questions and he hung up on me.
Consumer complaint received 2022-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (VA)

In XX/XX/2022, I contacted SYNCB/Paypal credit card and requested to close my accounts, which were in great standing. I paid whatever balance was on the cards and had them closed. In XXXX, I received a negative alert via my XXXX credit monitoring,  letting me know I was 30 days past due on an account. When I looked at my credit report, the negative reporting with a past due balance was from Payal. I immediately contacted Paypal and questioned the reporting. I was told that a charge was applied to my Paypal account AFTER the account was closed. I am confused as to why a charge was approved on a closed account. It would have been easier to deny the charge so that the merchant would contact me instead of approving a charge when the relationship between myself and Paypal no longer existed. I also did not have access even to pay the Paypal account. After speaking to the representative, I was told that the reporting would be removed. I was able to make the payment, and I thought all was well. A few weeks later, this again showed up on my credit report. 

This reporting has questioned my creditworthiness and is now creating issues with accounts I have had great relationships. I have been denied business credit and had credit limits decreased. It is now impacting my ability to sustain my way of life. The most upsetting part is that this was a closed account. There is no justification or rationale for why anything should have been approved.
Consumer complaint received 2022-12-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (FL)

Back on XXXX I summited a complaint about incorrect information. On XX/XX/XXXX they said they fixed the amount which was XXXX less that what was being reported.then on XX/XX/XXXX it goes back up to the same amount that was being disputed. How in the matter of 6 days can the amount go back up to the XXXX??
Consumer complaint received 2024-03-18
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCE {$270.00} ABOVE REFERENCE ARE ACCOUNTS THAT HAVE BEEN PREVIOUSLY DISPUTED WITH XXXX CREDIT REPORTING SERVICES, I HAVE A FTC REPORT ON FILE FOR IDENTITY THEFT, I ALSO SUBMITTED A POLICE REPORT IN REGARDS TO THESE FRADULENT ACCOUNTS THAT THEY DENIED ADDING TO MY DISPUTE AND I AM IN CURRENT LITIGATION THREW A LAW FIEM CALLED XXXX XXXX XXXX XXXX XXXX XXXX  SUING FOR A SETTLEMENT FROM XXXX OF THERE RECENT DATA BREACH UNDER THE FAIR CREDIT ACT AND CONSUMER LAW THE CREDIT BUREAU HASNT HONORED MY RIGHTS AS A CITIZEN AND HAS VIOLATED MY NATURAL RIGHTS. I DEMAND THAT THESE ACCOUNTS BE REMOVED IMMEDIATELY. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section XXXX and Section XXXX regarding your continued willful and negligent noncompliance. Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy
Consumer complaint received 2024-03-18
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. (TX)

I was a victim of identity theft. I contacted the credit bureaus to notify them that my identity was stolen and forwarded them my identity theft report as well as a list of fraudulent account and personal verifying documents and they failed to make any corrections to my credit report. I have no knowledge of these accounts and I believe I was hacked. I really need this misinformation to be removed from my credit reports immediately.
Consumer complaint received 2022-12-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NV)

I've been a victim of identity theft and sent several documentary about Wells Fargo Bank all different States .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. AND THEN SENT by XXXX XXXX XXXX XXXX stating that the account ending in XXXX was not opened by me or had any knowledge of the account.They closed account for my protection but no Compensation. Wells Fargo Bank and XXXX FRAUDULENT ACTIVITY IN MY NAME AND WIRE TRANSFER.
Consumer complaint received 2020-03-04
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: Experian Information Solutions Inc. (TX)

Sent letter to Experian Credit Reporting on XX/XX/XXXX notifying them that my credit report showed several hard inquiries that I was not aware of and were not authorized by me. I requested that these inquiries be removed immediately as they have contributed to my inability to obtain credit. As a victim of identity theft and currently trying to correct the damage done by my stolen identity, I have followed the Federal Trade Commission Identity Theft step by step program and monitor my credit reports daily. I just received a response to my request to remove the unauthorized inquiries stating that the inquiries would NOT be blocked and would remain on my credit report for 2 years. Obviously, I am unable to send any evidence that the inquiries were not authorized other than the Identity Theft documents that I have provided all credit reporting agencies on XX/XX/XXXX. As stated previously, these inquiries are contributing to the reasons why I have recently been unable to obtain credit. Several of the hard inquiries that I am disputing have come from the same companies/lenders that were included in my identity theft report. I'm filing this complaint at the suggestion of the FTC Identity Theft program and request that the following hard inquiries be removed, block or whatever can be done as to not affect my ability to improve my credit and/or obtain credit. The list of unauthorized inquiries are : XXXX XXXX/XXXX  Inquiry date XX/XX/XXXX XXXX/XXXX/XXXX  Inquiry date XX/XX/XXXX XXXX   XXXX/XXXX  Inquiry date XX/XX/XXXX XXXX/XXXX  XXXX  L Inquiry date XX/XX/XXXX
Consumer complaint received 2022-03-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

On XX/XX/XXXX, my insurance agent received quotes of insurance on a new property I was buying. 

The sale did not go through as planned. I ended up closing on it on XX/XX/XXXX due to a lengthy legal dispute. 

When I got access to the property, I saw unpaid notice mails delivered to the address from Credit Collection Services, trying to collect a " debt '' from XXXX XXXX XXXX XXXX for property insurance dated XX/XX/XXXX for {$370.00}. 

They want me to pay a debt I do not owe, on insurance I did not bind, on a property I did not own at the time. They are extorting me saying it will be reported to my credit bureaus anyway. I have a perfect XXXX credit. 

This is fraud. They are trying to collect money for services not rendered. You can not get insurance on someone else 's property. Just like they would deny my claim had any damage to the property occured prior to me buying it.
Consumer complaint received 2022-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (MO)

At the end of XXXX or early XXXX I called ed financial services to request a refund on my student loans. I believe the amount is {$6100.00} from ed financial, and another {$1700.00} from another provider. At the end of the phone call I asked when I can be expecting the refund. They said that they did not know at that time. I accepted that as a answer because I knew there were tons of people calling in to get their refund and this was new to everyone. On XX/XX/XXXX I called ed financial services again specifically to see if there was any new information about my refund. The representative told me she doesn't know and there is no way to find out. To this day XX/XX/XXXX I still have recieved no information at all, nothing. I understand this is a new process but to not have my refund or at least my account reflecting the process is ridiculous.
Consumer complaint received 2022-09-30
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)

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus 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. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (TX)

This morning, I woke up to a collection on my credit account. The original company listed as XXXX. Upon calling the collection company, Radius Global Solutions, they told me the account was for 5 telephones from XXXX. I called the collection company to dispute this account because I've never had an XXXX account. I've had the same phone number with tmobile for almost 20 years. This account is not mine. This is fraud. 
My credit report shows that this account was opened in XX/XX/2022 which doesn't even match what the collection company says
Consumer complaint received 2022-03-14
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: Synovus Bank (OH)

XXXX XX/XX/2021 15 U.S. Code 1666 - Correction of billing errors Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2022-12-24
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. (CA)

In accordance to Fair Credit Report Act XXXX  Account XXXX ( XXXX XXXX XXXX ), XXXX ( XXXX  ) has violate my rights. 15 U.S.C Section 602A states I have the right to my privacy. 15 U.S.C 168 Section 604A Section2 states consumer reporting agencies cannoli furnish accounts without my consent.
Consumer complaint received 2022-12-24
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. (CA)

In accordance to Fair Credit Report Act XXXX  Account XXXX ( XXXX XXXX XXXX ), XXXX ( XXXX  ) has violate my rights. 15 U.S.C Section 602A states I have the right to my privacy. 15 U.S.C 168 Section 604A Section2 states consumer reporting agencies cannoli furnish accounts without my consent.