davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-15
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. (CA)

Over the last 15 years I have had to protect my personal information due to my compromised/stolen information and continued efforts to open lines of credit, obtain goods and services all using my stolen personal information. On or around XX/XX/ I discovered during a recent attempt to purchase a vehicle several accounts and portnetional additional accounts attempted to be be opened using my personal information. With the help of law enforcement they were able to determine eacha ccount that was opened fradulantly using stolen information. Based on the information provided and witht he assistance of law enforcement I was instructed to file a formal complaint with law enforcement along with otaining an affidavidt of forgery due to identy theft a Ca. Penal Code Violation 530.5 ( a ). In addition to law enforcements findings I was given a set of instruction including but not limited to sending all supporting documentation to all three credit bureaus for immedate " Blocking '' of the identity theft cases. On or around XX/XX/XXXX TransUnion received the packet outlining the identity theft entries. During the review process TransUnion failed to " Block '' one account which was verified by law enforcmeent as being opened on the internet with XXXX payments made. In addition they varified signatures and marked this account listed in XXXX XXXX a identy theft. In addition there were several inquires and past addresses that have not been updated despite being outlined by law enforcement as fraud.
Consumer complaint received 2023-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: FIRST NATIONAL BANK OF OMAHA (CA)

Dear Professionals, I have this First Bank Credit Card since last year XXXX  and have been using it for a few months now. Starting on XXXX I notice a {$39.00} charge for XXXX XXXX XXXX and XXXX last year. I notified First Bank Credit Card for disputing the charges. After almost XXXX  months now and it has not been resolved and there are XXXX charges in total of ( {$310.00} ) from XX/XX/2022 to XXXX this year and XXXX charges credit it back total of ( {$110.00} ). For some reason, the XX/XX/2022 statement is missing that I can't click on and see if the charges been resolved. I am here to file a complaint because I have been calling and talk to their customer service and they stated that I have to wait until everything to be cleared with the fraud department in order to talk to me. This is the first time that I have this problem with this credit card, it has been XXXX months and there are so many charges and missing XX/XX/2022 statement or charges showing me the disputes. My name is XXXX XXXX, First Bank website is XXXX XXXX XXXX. Their customer service is XXXX. Please help me to escalate this issue and want to clear out this and cancel this card. Thank you. I can be reached at XXXX
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-03-16
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)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-16
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. (FL)

TransUnions failure to comply with the Fair Credit Reporting Act ( FCRA ). Over the past couple of years, I have made several attempts to have inaccurate information on my credit profile corrected. Despite these efforts, the incorrect data remains, Certain items may be taken off and the placed back on the report a month or 2 later negatively affecting my ability to access credit and equal opportunities in financial matters. 

TransUnion has violated FCRA guidelines, specifically : 15 USC 1681s-2 ( a ) ( 1 ) : The obligation of furnishers to provide accurate information.

15 USC 1681c ( a ) ( 5 ) : The requirement to remove obsolete information from credit reports. 
15 USC 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without the consumers written instruction. 

TransUnions failure to address these inaccuracies has caused significant harm to my financial well-being, and I request that appropriate action be taken to rectify this situation.
Consumer complaint received 2024-10-16
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. (AZ)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT.THE LISTOF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 

XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS. 
XXXX # XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS. 
XXXX # XXXX HAS VIOLATED MY RIGHTS. 
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 1681 s-2 ( a ) ( 5 ) Section States ; No consumer reporting agency may take 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 2020-01-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ID Analytics, Inc. (IA)

On XX/XX/2019 I received a negative decision from Sagestream LLC, I originally applied for a XXXX Store Credit Card. Their decision was based on quote " most significant reason ( s ) where you did not score well are listed below : Your Credit Score XXXX Date : XX/XX/2019 Not enough bankcard experience Invalid phone number of applicant Number of subprime finance inquiries Number of inquiries '' ( End of quote ) Quote was based on the written decision letter from Sagestream LLC and XXXX XXXX, Creditor I monitor my credit via XXXX XXXX   and several of my credit cards offer credit monitoring. My credit score has been consistent between the three major reporting agencies ranging between 220-260 points above the score represented on this writing. 
I started out by contacting XXXX. I was told to contact XXXX. When I contacted XXXX, I was told to contact Sagestream LLC. I'd like to note that on the letter I received from XXXX it stated to contact the creditor listed on the top left of the letter. That Creditor is/was XXXX XXXX. I have attempted to contact Sagestream on three separate dates and had to leave voicemails each time. The recorded greeting states that Sagestream will contact You/me within twenty-four hours. I have not received any response. I have direct experience working with credit reporting agencies and in the fifteen years I was involved in lending I never witnessed this large of a discrepancy. I ask for this credit score to be removed from my record as it is based on inaccurate data.
Consumer complaint received 2020-01-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

This is regarding WakeField & Associates Debt , Inc. 

Contact info for them : XXXX or XXXX XXXX XXXX XXXX XXXX, TN XXXX I received a statement from XXXX XXXX XXXX in late XXXX of XXXX and arranged a payment schedule with them. I was out of the country visiting family and when I returned, I received a call from them stating they had missed my payment. Right away I made a payment ( XX/XX/XXXX ) for {$92.00} and they sent me a receipt. I've been receiving repeated phone calls with the latest being around XXXX XXXX  on XX/XX/XXXX from WakeField & Associates stating I needed to pay {$94.00} for this bill. I advised them I paid the bill back in XXXX and they needed to update their records. Their representative XXXX advised me the bill was still due but stated if I wanted I could send a receipt. I advised him I would call back. 

I called back and spoke with XXXX XXXX ( Employee ID # XXXX ) on XX/XX/XXXX where I requested the email to send the receipt stating the account had been satisfied in full for {$92.00}. 

I noticed they are collecting interest, on medical debt! What an absolutely abusive and corrupt company. 

I also wanted to confirm they had another account against me which he provided the account number for ( XXXX ) for {$60.00} due to XXXX XXXX XXXX. XXXX stated the balance due was {$60.00} and the initial contact via mail was sent on XX/XX/XXXX. I asked XXXX what the date of service was and he stated XX/XX/XXXX. A 3 year old debt was now being presented against me without any  evidence or verification of this debt? I asked him how long ago the account had been placed into collections. 

XXXX XXXX advised me that WakeField & Associates received this account and entered it into their system on XX/XX/XXXX and didn't bother notifying me until XX/XX/XXXX. I wonder how much of this is interest. I advised him I was tired of their abusive acts and was willing to spend my time fighting this and showing others how corrupt the company he works for is. I requested to speak to a supervisor and XXXX XXXX stated a supervisor was not available today but could call me between 24-48 hours. 

I asked XXXX XXXX to confirm the following : " I was not able to speak to a supervisor or a floor leader for a collections agency that is attempting to collect a debt in the state of Tennessee, and that said supervisor or team leader was not even present that evening. '' He said yes ...
Consumer complaint received 2018-10-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resolve Partners, LLC (NC)

I have sent in several letters asking the credit bureaus to validate the debt. I have yet to receive this from the company. I sent letters on XX/XX/2018, XX/XX/2018, and again on XX/XX/2018. 

On XX/XX/2018 my cousin told me that he found this on the internet : I did contact this company but I am not sure if this is the company that is reporting this info on my credit reports. They asked me for some of my personal information and I did NOT give it to them. I see that they have bad reviews. 

XXXX XXXX XXXX XXXX Open 2 on XXXX XXXX XXXX XXXX XXXX, XXXX, NC ( XXXX ) XXXX
Consumer complaint received 2020-01-10
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on XX/XX/2019 & XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2023-03-16
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. (MO)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts and items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts and information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these files : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX MO CHLD SPRT XXXX Balance Owed : {$5900.00} XXXX XXXX Balance Owed : {$560.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2020-01-10
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: REGIONS FINANCIAL CORPORATION (MO)

On XX/XX/2019 I went to my bank, regions, to find out about a personal loan. I was told they had to do a credit inquiry but that this was not a hard inquiry and would not show up.on my credit report. I recently checked my credit and check everything on it and sure enough a have a hard inquiry from Regions bank, had I known this would happen I never would have given them permission to run a credit report.
Consumer complaint received 2023-05-24
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. (TX)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that your agency did not make sure it was reporting 100 % correct. 

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 : Attorney General - Child Support have 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 instruction.

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 2023-03-20
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: Resurgent Capital Services L.P. (TX)

I recently requested an investigation into lvnv funding being reported on my credit report and requested an investigation and the removal of this account from my report. I did not receive a hard copy of the application documents with my signature as requested upon completion of the investigation nor an updated copy of my credit report and it is also listed as a collection being reported with a balance. According to 15 USC 1692 this company should not have any of my information and are violating my rights. They are reporting inaccurate information and can not provide me with the hard copy of any documents with my signature. I would like this to be removed once again and let this be the last time that i have to file a complaint. It is also past 30 days that this request was submitted and i have a right to request that it be removed permanently. 
Thanks in advance.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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 XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Number : Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 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 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

today I just request my credit report for the agency 's and see some wrong information still in my credit remove and they have to be remove by the law. 

I have 2 months sending letters for disputes that information or accounts and the agency 's don't take anything action and that affects my report.. I demand remove those item like the law said..
Consumer complaint received 2023-05-24
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. (OH)

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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX # XXXX, 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 account name : XXXX XXXX XXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting
Consumer complaint received 2020-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX, XXXX. XXXX, a collector for original creditor, XXXX XXXX XXXX XXXX is wrongfully appearing on the BIG 3 credit bureau reports and possibly others.

This can only be interpreted as a secondary level of extortion.ALL OF THE DEBT evolves from a @ XXXX dollar deposit not credited in a timely manner, according to the banks account disclosures booklet, resulting in more than XXXX @ XXXX dollar check bounce fees on many small items of approximately {$4.00} to {$10.00} dollars each.By not crediting the deposit made hours before the proper disclosed business day cutoff, and taking their time to credit the deposit which paid overnight, the XXXX bank self-generated about {$350.00} in fees. 
Federal reserve guidelines were not adhered to regarding bank cutoff, hold times, business day, banking day, etc so that the bank could generate massive illicit fees without risk or investment.The unscrupulous bank has now turned their illicit endeavor over to professional extortionist XXXX XXXX XXXX
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

I've reviewed my credit report and noticed that Experian still have three ( 3 ) accounts open on my credit report that XXXX, and XXXX have closed. 2 out of 3 credit bureaus are showing accurate information while Experian is showing inaccurate information. According to the law I have rights to dispute inaccurate information. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 Accounts Listed : DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX  XXXX