davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-02
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. (FL)

This Account listed below is a complete VIOLATION of the NO SURPRISES ACT, DELETE the listed account Below IMMEDIATELY from my credit reports. 

XXXX XXXX XXXX
Consumer complaint received 2022-06-02
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. (PA)

In accordance with the Fair Credit Reporting act XXXX Account, XXXX Account , XXXX Account , XXXX Account, XXXX Account 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
Consumer complaint received 2022-06-02
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. (PA)

I want to apply for a mortgage house loan and was denied due to all 11 unauthorized hard inquiries that are on my credit report when it checked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-02
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. (FL)

This Account listed below is a complete VIOLATION of the NO SURPRISES ACT, DELETE the listed account Below IMMEDIATELY from my credit reports. 

XXXX XXXX XXXX
Consumer complaint received 2021-09-05
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: ONLINE Information Services, Inc. (FL)

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE ( FCRA ) DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! XXXX violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 ).
Consumer complaint received 2022-06-02
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, US DEPT OF EDUCATION XXXX, US DEPT OF EDUCATION XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX **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.
Consumer complaint received 2022-06-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Advanced Collection Bureau, Inc. (OH)

Advanced Collection Bureau Inc, received my Cease and Desist letter, last year. Though they have not contacted me directly, they're still contacting me indirectly through the mediums of the credit reporting agencies, by still attempting to collect an alleged debt. And according to 15 u.s.c. 1692a2, they've breach the contract agreed to in my initial letter and they've broken federal law. Which states, that whoever violates section 6821 under title 18 shall be fined or 5 years in prison for knowingly and intentionally furnishing fraudulent information on a consumer.
Consumer complaint received 2024-01-07
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)

XXXX, Trans Union, and XXXX has reported a XXXX XXXX with a balance that does not belong to me. This is a case of identity theft and a data breach. Trans Union has also reported a XXXX XXXX credit card with a balance that does not belong to me. This is also a case of identity theft and a data breach, and I have reported it. 

I have already written, called, and emailed Trans Union about this issue, but they have failed to follow the proper guidelines and protocol for identity theft and dispute processing. I request that these accounts be removed immediately from my name, records, and all credit files.
Consumer complaint received 2023-01-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (VA)

I ordered an oven from XXXX online. It was the wrong size so I cancelled it on the same day. 
They use a 3rd party finance company called Affirm which I had used many times previously. 
Affirm will not remove the debt despite my having cancellation confirmation from XXXX and despite XXXX reaching out to them. 
Affirm has been texting, emailing and writing to me trying to collect a debt for an item never shipped or received from XXXX. 
They say I owe them {$1300.00}. 
I have submitted to them copies of emails from XXXX and still they will not leave me along. This began last summer. 
I feel this need to be addressed and to be something that future consumers need to know as to how Affirm and XXXX handle this type of issue.
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. (AZ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-03-18
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. (DE)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 and so on.
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I've contacted DEPT OF EDUCATION/XXXX  & they told me I've never missed a payment, yet Transunion refuses to remove me from being listed aslate on XX/XX/19 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Transunion 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

DEPT OF EDUCATION/XXXX XXXX, DEPT OF EDUCATION/XXXX XXXX
Consumer complaint received 2022-06-02
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. (FL)

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo bank refuses to credit back my checking account with a total amount of {$990.00} from XXXX transactions I DID NOT make neither authorized on XX/XX/22 all made on the same day. XXXX transaction for the amount of {$240.00} another {$370.00} last one on that day {$370.00}. Total amount {$990.00}. 
A dispute was opened and a new checking account # was given on XX/XX/XXXX. 
The investigation was done and the outcome according to them is that I made those transactions. 
On that day as I explain to them as well when they made those transactions I was severely sick in bed the entire week at home with extreme XXXX pain, temperature, not feeling well at all, was all day sleeping. I had previously had an XXXX XXXX and was XXXX from hospital around a week before that happened, my XXXX went wrong reason why I was home sick after being XXXX right on the same days they made those transactions. I explain to them all this. 
Also, 2 days after the transaction I was in the hospital again having another XXXX. How could I have done those transactions being extremely sick. 
Im starting to believe that Wells Fargo bank is who did those transactions on my behalf.
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I've contacted DEPT OF EDUCATION/XXXX & they told me I've never missed a payment, yet Experian refuses to remove me from being listed aslate on XXXX on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experians job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATION/XXXX  XXXX
Consumer complaint received 2021-09-04
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. (FL)

Report Number XXXX Date Generated XX/XX/2021 Experian failed to delete this account from my credit report after the original creditor gave permission and all other CRA have deleted the same account.
Consumer complaint received 2021-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank (FL)

I make payments through XXXX XXXX bill pay. I paid {$300.00} on XX/XX/2021 with an additional fee of {$5.00} for the next day 's payment to the company. XXXX XXXX states the payment was sent and received on XX/XX/2021 and the credit card company is saying the payment has not been received as of today XX/XX/2021. Now, First Progress credit card has charged me a late fee of {$40.00} and this has charge has put me over the limit of my credit balance which will be reported to the credit reporting agencies. This will impact my credit which I'm striving to improve and not have any late or over limits on my credit report. This happened once before when the bank was closed for the holiday and I was charged a late payment. I know from working at the bank for years that the processing doesn't close even though the retail side is closed. There's a small crew still working processing transactions. XXXX XXXX has put in an investigation which will take up to 10 days, while in the meantime I am being inconvenienced and impacted by this negative mark on my credit for which I paid my bill in time to be credited to my account. I would like to know who is at fault and my credit is corrected for this mistake. I will dispute this will the credit agency.
Consumer complaint received 2022-06-02
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. (FL)

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I called Transunion after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE item on my personal profile, I noticed that there was an : Account : Bankruptcy XXXX XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying Experian.com to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was 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. 

A copy of my Bank statement, drivers license, and XXXX Form for my Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Transunion not blocking this account is inadvertently resulting in me being extorted.
Consumer complaint received 2022-06-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (NC)

Navy Federal failed to notify me when at its sole discretion, decided to place an additional holds on the XXXX checks that I deposited into my business account. On XX/XX/XXXX I deposited via the mobile app into my business account XXXX checks in the amounts of {$5700.00}, {$6100.00}, and {$7300.00}. Navy Federal emailed me XXXX separate emails regarding the XXXX deposits on XXXX on XXXX that I would receive funds within 2 business days. When I called that Friday evening to see why I hadn't received the funds I was told an additional hold had been placed. Due to the weekend and the XXXX XXXX XXXX I was unable to get someone from the business department on the telephone to get an answer on why this had occurred. No one could answer me why I wasn't notified and the actual branch manager that I spoke with in person on XX/XX/XXXX wouldn't acknowledge that Navy Federal made a mistake in failing to notify me of the change .Navy Federal did not communicate to me of any changes via email or through my portal. As of today XX/XX/XXXX I still have not received an actual email from Navy Federal stating the change to a 5 day business hold and can only go by what the different customer service reps have informed me. I was told on XX/XX/XXXX that funds would be released on Friday XX/XX/XXXX. Navy federal hasn't followed its own policy.I have tried to resolve this with Navy Federal and they have basically ignored me. I understand Navy Federal, at its sole discretion, may place an additional hold on any item for a reasonable period until the settlement of the item is deemed to be complete. However the failed to notify me of the delay to my ability to withdraw funds and they failed to notify me on when funds will be available. I am supposed to receive electronic communications.
Consumer complaint received 2018-03-29
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: Commonwealth Financial Systems, Inc. (TX)

I checked my credit report and there is a resolved and closed account issue that has reappeared threw another creditor by the name of ( Commonwealth Finance ) .This account was closed by the creditor ( XXXX XXXX ) and submitted to the necessary credit report agencies for permanent deletion from credit report.
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

Experian is reporting an account under my social security number as XXXX. I have no knowledge of this account, and they are reporting that I have an unpaid auto loan with a {$19000.00} balance. 

The account also does not have any contact info regarding who the car loan is from, and there is no way for me to reach them by phone, email or mail based on Experian 's reporting. 

Companies are required by law to investigate disputed information. Being that there is not a valid form of contact under this negative tradeline, or a valid account name being reported I can not exercise my rights afforded to me under federal law to dispute this account. If Experian does not have any valid information regarding who the creditor is, or where they are located, it is impossible for them to complete a fair investigation into my dispute. 

Experian is in violation of the Fair Credit Reporting Act 15 USC, and if they do not delete this negative tradeline from my credit report I will use all legal remedies that are available to me against them.
Consumer complaint received 2022-06-02
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)

In accordance with the Fair Credit Reporting Act XXXX  XXXX Account # XXXX ; XXXX XXXX XXXX XXXX  Account # XXXX ; XXXX XXXX Account XXXX XXXX ; XXXX XXXX XXXX Account # XXXX ; XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX ; XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ; XXXX XXXX Account # XXXX ; XXXX Account XXXX XXXX ; XXXX XXXX XXXX  Account # XXXX ; has violated my rights .

15 U.S.C 1681 section 602 A. States that 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.