davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-21
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$280.00} ; XXXX XXXX XXXX ( Original creditor : XXXXXXXX XXXX XXXX  XXXX Balance : {$650.00} ; XXXXXXXX XXXXXXXX XXXX  ( Original creditor : XXXX ( XXXX XXXX ) ) XXXX Balance : {$0.00} ; XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX Inquired on XXXX XXXX, XXXX.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (GA)

The companies for which I am filing this complain are all in violation of the law ; 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other such as : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

These agencies need my written consent to add anything to your consumer report if I did not give this authorization ( for the clarity of this complaint I have provided no such consent ) that is a violation of the Fair Credit Reporting Act In addition the law 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports states : Except as authorized under subsection ( b ), 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.

To remedy these violations I will be invoking the law ; 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; For the purposes of this complain I am demanding a retribution of {$1000.00} per violation found on my credit report
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Kindly ensure the removal of inaccurately reported accounts from my credit file as required by FCRA 605B. Could you please review the documents? The presence of inaccuracies is causing me concern.
Consumer complaint received 2022-05-30
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 — Problem with personal statement of dispute
Company: ZIONS BANCORPORATION (CA)

I applied for a checking account overdraft line on my checking account at Calif Bank and Trust I have credit score of XXXX, last month it was XXXX, they denied my application for excessive financial obligations in relation to income. 
Might I also add personal, and business obligations are separate. As the business we own is incorporated, too many times we are asked to use personal social security number to identify instead of EIN. Please investigate and advise.
Consumer complaint received 2019-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Hello I have included attachment of my id and proof of address, the credit bureaus seems to have improper accounts and information reporting and I am asking that these items be removed. This is a violation of the FCRA XXXX : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX ) THESE ACCOUNTS HAVE NOT BEEN PROPERLY INVESTIGATED AND I HAVE CALLED AND DISPUTED THESE ITEMS BEFORE. 

XXXX : Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX THESE ACCOUNTS HAVE NOT BEEN PROPERLY INVESTIGATED AND I HAVE CALLED AND DISPUTED THESE ITEMS BEFORE. 

TRANSUNION : Previous Address ( es ) : XXXX XXXX XXXX XXXX, XXXX XXXX, Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Account Number : XXXX THESE ACCOUNTS HAVE NOT BEEN PROPERLY INVESTIGATED AND I HAVE CALLED AND DISPUTED THESE ITEMS BEFORE.
Consumer complaint received 2017-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Experian did not comply with the Fair Credit Reporting Act, Section 609 and 611, in regards to conducting a reasonable investigation of my dispute against inaccurate items on my credit file as well as sending me all files used by them to verify these accounts when I asked for them. Experian is listing accounts on my credit file from the XXXX XXXX XXXX XXXX XXXX that belongs to someone else. These accounts are not mine. Experian keeps stating that they verified that these accounts are mine. How could they when the XXXX XXXX XXXX XXXX XXXX informed me that my account with them was paid in full on XX/XX/XXXX? This account has appeared on my credit report since XXXX. I never had an account with XXXX XXXX. I have paid off my account with the XXXX XXXX XXXX in XXXX of XXXX. I have PAID MY LOAN IN FULL WITH THE XXXX XXXX XXXX XXXX XXXX and I HAVE NO OUTSTANDING ACCOUNTS WITH THE XXXX XXXX XXXX. I have included a copy of my Paid In Full letter from the XXXX XXXX XXXX XXXX XXXX.
The accounts that are listed on my credit file that I am referencing is : XXXX XXXX XXXX # XXXX ... XXXX XXXX XXXX/XXXX XXXX # XXXX  These are not my accounts. I did not authorize these account to be on my credit file.
Consumer complaint received 2023-02-21
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)

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$100.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$900.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance XXXX {$1200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$3000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$130.00} ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX ; XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-30
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Consumer Adjustment Company Incorporated (FL)

Upon reviewing Consumer Financial Protection Bureau ( CFPB ) Complaint ID XXXX. 
I, XXXX XXXX, an federally protected consumer, dated on XX/XX/2022 am aware that this company Consumer Adjustment Company Inc ( CACi ) are in violation of HIPAA. Criminal Penalties for HIPAA Violations, The minimum fine for willful violations of HIPAA Rules is {$50000.00}. The maximum criminal penalty for a HIPAA violation by an individual is {$250000.00}. Restitution may also need to be paid to the victims. I am demanding remedy for each violation. Consumer Adjustment Company Inc ( CACi ) will be held accountable.
Consumer complaint received 2024-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I spoke with creditor and informed creditor that I'm a resident of the State of Texas, that the debt the creditor is attempting to collect is XXXX yrs old and past the statue of limitations and can not legally be collected. The creditor reported the charged-off account as a lost to the XXXX and was issued credit for the lost, yet they refuse to issue me a XXXX upon my request showing the debt discharged. I REFUSE TO PAY THIS OLD DEBT. This company is reporting the debt on my credit report with a balance owed and charged off. I REFUSE TO PAY THIS OLD DEBT. Because the creditor received a tax credit from the IRS for this charged/written off account, reporting the account as charged-off and with a balance violates the FCRA USC 1681 et seq. I REFUSE TO PAY THIS OLD DEBT. The creditor admitted to me during a phone conversation that the account was reported to the IRS as a lost and the company received a credit from the XXXX due to the lost of income. Federal law mandates that the creditor issue me a XXXX. IT '' S THE LAW!! I must file this as income on my tax return whether I receive the XXXX or not.
Consumer complaint received 2022-05-30
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. (PA)

This is my third attempt and I am writing to delete the following information in my file. The items I need deleted are unauthorized inquires from XXXX XXXX, XXXX and XXXX, and the account from XXXX XXXX opened in XXXX XXXX XXXX. These accounts are not mine. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Fair Trade Commission and I also enclosed copies of the Federal Fair Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. I would like to resolve this as quick as possible and without involving my lawyer.
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am very upset about all these erroneous items that are reporting incorrectly on my credit report. These accounts are unverifiable, invalidated, inaccurate, & FCRA violations. If everything is not reporting 100 % accurately it must be removed. These inaccurate items on my report are causing me hardship, I can not get a vehicle or apartment for me and my kids. It is my understanding that you will do an investigation immediately & you will send me a new credit report that reflects the updated changes. According to law, unverifiable inaccurate accounts must be removed and if you are unable to provide me a copy of the verifiable proof in 15 days after your investigation you must remove the account.
Consumer complaint received 2020-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have the following incorrect information on my report that I need removed. 

XXXX  - XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX XXXX XXXX this address does not belong to me XXXX, GA XXXX Experian - XXXX XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX XXXX - this address does not belong to me XXXX, GA XXXX XXXX XXXX XXXX XXXX - this address does not belong to me XXXX, TN XXXX XXXX  - XXXX XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX XXXX - this address does not belong to me XXXX, GA XXXX Please update and delete on my Experian, XXXX, and XXXX  reports accordingly. After numerous reuqests of being ignored I demand that they be deleted immediately.
Consumer complaint received 2017-07-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

My account was charged 21 individual overdraft fees @ {$35.00} each for a total of {$730.00} charged to my account. The reason for the overdraft was a transition to a new employer and the wait time required to set up direct deposit to my account. The email notification that I would have normally received would have informed me that my balance was below the minimum balance. The email account for that notification was suspended when I terminated my employment with my previous company. I never received notification of any kind from XXXX XXXX that my account was overdrawn. I called XXXX XXXX for resolution of the charges and explained my situation. They credited my account back half of the charges. This is not sufficient. There is still a balance of charges totaling {$380.00}. They told me that the 21 individual charges where associated with recurring automatic payments that charge my account monthly. When I look at the charges that came in automatically they do not match up with the 21 charges against my account. I have been a long term customer and feel the charges are excessive and a small price to pay to keep a long term customer.
Consumer complaint received 2020-08-03
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: Experian Information Solutions Inc. (NY)

Credit Reporting Agency : Experian Account Name : XXXX XXXX XXXX XXXX They are reporting that this account was late in XX/XX/2018. 
It was in fact never late. 

I went down to the XXXX County ( NY ) Child Support office in XX/XX/2018 to get a 12 month payment history list when I saw this on the credit report and the person that I spoke to stated verbally that they over paid the mother by 1 monthly payment since they did that they failed to pay themselves. I was forced to make an additional payment due to their own error. I asked for proof of this error and she was obviously unwilling/unable to provide this evidence.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

I am writing to dispute Inquiries ( 7 total ) that appear on my Equifax credit report. These inquiries are unverified, and I did not authorize any of them. As such, I request that they be removed from my credit report immediately, in accordance with my rights under the Fair Credit Reporting act. 

1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3. XXXX  - XXXX XXXX XXXX XXXX XXXX 4. XXXX - XX/XX/XXXX 5. XXXX - XXXX XXXX XX/XX/XXXX 6. XXXX - XXXX XXXX XX/XX/XXXX 7. XXXX - XX/XX/XXXX See attachments for more details.
Consumer complaint received 2022-05-30
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. (PA)

This is my third attempt and I am writing to delete the following information in my file. The items I need deleted are unauthorized inquires from XXXX XXXX, XXXX and XXXX, and the account from XXXX XXXX opened in XXXX of XXXX. These accounts are not mine. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Fair Trade Commission and I also enclosed copies of the Federal Fair Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. I would like to resolve this as quick as possible and without involving my lawyer.
Consumer complaint received 2022-05-30
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: Experian Information Solutions Inc. (NJ)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TomoCredit Inc. (WY)

In accordance with the Fair Reporting Act these creditors has violated my rights under 15 USC 1681 section 6 O 2 states I have the right to privacy 15 USC 1681 section 6O4 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. The following are a list of the creditors : XXXX. ) Tomorrow  credit XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX  XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX. XXXX XXXX XXXX
Consumer complaint received 2024-03-16
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Problems receiving the advance — 
Company: MoneyLion Inc. (FL)

Today ( XX/XX/2024 ), I tried to apply for a loan called XXXX XXXX XXXX on MoneyLion. When I applied for this loan, a pop-up message came up that states that MoneyLion couldnt identify my identity. I thought this was weird because I had already applied successfully for this loan six times before without any issues. Once I got this pop-up message, I contacted support twice and they told me that MoneyLion couldnt verify my identity because my so-called public profiles didnt match some of my personal information on MoneyLion. After that I told them to tell me what public profiles were they talking about. They said that they couldnt disclosed that information. Also, they said that there wasnt another way to verify my identity. After this, they ended the conversation.
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; SOC SEC ADMIN OFFICE O, XXXX XXXX XXXX {$4300.00} ; XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-05-30
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. (NJ)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.