davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2022-11-13
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-11-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Hello, I am writing in hopes that Transunion will be held accountable for not doing their job. I have incorrect reporting on my credit report that I have attempted to get corrected for the last six months. I have sent in dispute letters to have these incorrect entries fixed but have not been able to. I have been receiving stall letters from Transunion. I have included the most recent one below. Under the FCRA I have every right to dispute errors on my report as it directly damages my ability to finance credit. I am writing on two accounts specifically that have multiple reporting errors/payment history that have gone un-investigated by Transunion for more than 30 days and must be removed immediately per the law. Under the FCRA these accounts must be corrected and/or deleted in that time frame with an investigation which they have not. These incorrect negative reporting payments are holding me back from financing credit. I am prepared to file a lawsuit against Transunion based on this lack of investigation into this false information. I have listed the following accounts that are incorrect on my report. Per the representative at Transunion on a recorded line, they received my disputes on XX/XX/2022. Neither of the below accounts have been investigated and nothing has been updated on my credit report. Per the FCRA the accounts need to be removed. I would like them removed immediately. Both contain false payment history and incorrect dates. 


XXXX XXXX with Account number - XXXX XXXX XXXX with Account number - XXXX
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I sent the FTC report that Equifax required to remove the unauthorized inquiries on my credit report. I sent two times and they are claiming that they didn't receive any of them. That is why I decided to go through this agency, so this complaint will be directly sent by your department 's credit bureau ( Equifax ). The inquiries that I want to be remove from my credit report is : XXXX XXXXXXXX XX/XX/2020 XXXX XXXX XX/XX/2020
Consumer complaint received 2022-09-30
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. (PA)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX  Account : XXXX XXXX XXXX XXXX  Account : XXXX XXXX XXXX XXXXXXXX Account : XXXX XXXX XXXX XXXX Account : XXXXXXXX XXXXXXXX XXXXXXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX  Account : XXXX XXXX XXXX section 602 A States I have the right to privacy 15USC 1681 section A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items or information. Any other adverse item of information, other records of convictions of crimes which antedates the report by more than seven years.

15USC 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 I have made previous attempts to resolve this matter
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I have only XXXX phone number As I look on my XXXX, XXXX and equifix I see unknown phones that doesnt belong to me the only phone number tha should be listed is XXXX
Consumer complaint received 2021-12-29
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Unisa, Inc (GA)

I called the debt creditor and they told me they outsourced my account to a third party. However, XXXX XXXX is the third party. I called the company XXXXthey outsourced, they said they could record the call but if I recorded the call they would hang up. They wouldnt give me a legitimate website or account details via mail. They demanded a $ XXXX settlement from $ XXXX. But couldnt give me a secure way to pay.
Consumer complaint received 2022-02-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Upgrade, Inc. (AL)

I had an issue with this company on my first payment. I was thinking my first payment was due in XX/XX/2022. This company tried to get payment from my checking account 3 times which cause me to have overdraft fees times 3, making my account negative. I called the company and tried to explain this, but it didn't matter, they continue trying to take it the last 2 times. So, when I made my first payment it was in XXXX of 2022. I was unable to make a payment in XXXX due to the overdraft fees caused by this company due to the overdraft fees for the Month of XXXX. I get paid monthly and on a fixed income. 

On XX/XX/XXXX, I went onto my Upgrade account online to set up a payment for my monthly payment. This company took and extra payment of XXXX dollars out of my account in addition to my standard monthly payment. I did not authorize XXXX dollars payment and called the company to see why they trying to take additional funds. I was told that I authorized this, and I did not. so, I asked for proof, and they did not send me proof. I had to do a stop payment on the XXXX dollars and stop this company for using my bank account for payments. During this time, I saw they also posted that my regular monthly payment was posted. I was told they did not receive this payment due to my bank doing a stop payment. I called Upgrade and talked to several customer services, trying to pay this company via of debt card. I was told they did not received payment via of debt card, which isn't true. I saw this option offered to me before I talked to a customer care and when I tried to go back into my account to pay via debt card it was removed. I open my account on a different device and saw this option. I sent a screenshot of this to Upgrade to show them they do offer this type of payment. Upgrade is giving me a hard time and I don't understand why. I also know you charges late fees, and I don't think I should be charged any late fees due to this issue. 

The problem I'm having with this company, I was told that my account would be 30 days late of XXXX the XXXX and they could not take my payment via of debt card. So, I sent my payment via of USPS via XXXX mail on XXXX the XXXX, 2022. So, I could make my payment on time. This company has not posted this payment to my statement, they have me posted as 5 days late. I called this company, and I was told that when they received payments via of mail it takes up to 5 days to post to my account. My problem is why did this company stopped me from paying my bill via of my debt card? Why tell me you don't take debt card payments and you do. I sent screenshots to this company showing them they do offer this way of payment and why wasn't I allowed to pay them this way
Consumer complaint received 2022-11-13
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: EQUIFAX, INC. (GA)

I visited XXXX auto dealer on XX/XX/22 at XXXX & was informed by rep/manager XXXX AKA XXXX that he could take a look at my credit with out running a full report. Which would effect my credit ( hard inquiry ). I was informed this would not happen but I was informed by XXXX credit bureaus that this is now on my report. As of XX/XX/22.
Consumer complaint received 2020-02-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

I was making a private purchase and the seller recommended XXXX. After agreeing to pay half so he could ship the product and the other half after product receipt, I submitted payment for half totaling XXXX ( XXXX on XX/XX/2020 and XXXX on XX/XX/2020 ). 

After payment was received by the seller, I became aware that it was a potential scam and that I wanted my money back. I have not heard from the seller since. 

Bank said that they could not help, as I authorized the payments through XXXX.
Consumer complaint received 2022-09-30
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, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX  Account : XXXXXXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX  XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX  XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX  Account : XXXX 15USC 1681 section 602 A States I have the right to privacy 15USC 1681 section A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items or information. Any other adverse item of information, other records of convictions of crimes which antedates the report by more than seven years.

15USC 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 I have made previous attempts to resolve this matter
Consumer complaint received 2022-11-13
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. (NY)

the 3 crediting bureaus sold this fraudulent debt to a crediting agency, XXXXXXXX XXXX, they refused to investigate, they did not want to expunge the debt from my report unless i paid. requested and received pay to delete under false pretenses resulting in identity theft on their part according to the Identity Theft and Assumption Deterrence Act of 1998, This Act makes it a federal crime to " knowingly transfe [ r ] or us [ e ], without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, any unlawful activity that constitutions a violation of Federal law, or that constitutes a felony under any applicable State or local law. '' ( 47 U.S.C. 1001 et seq. )
Consumer complaint received 2020-01-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc ()

A year ago I had fraudulent activity on my paypal account. I called paypal and they cleared the fraud and said they would freeze my account to stop it from happening again. They did not freeze my account. More fraud took place on my account and I am now receiving letters saying I need to pay the outstanding balance or they will take legal action. After emailing and phoning PayPal a dozen times they had either not replied or hung up on me. I am worried that debt collectors or legal action will take place for a transaction that has nothing to do with me. I am making this complaint after trying to get the matter resolved with Paypal numerous times to no prevail.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX and transunion are inaccurately reporting my payment history .. Ive tried explaining to them and provided proof .. the inaccurate payment history is affecting my credit in a negative way as i have maintained stellar payment history. XXXX correctly displays my stellar payment history.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Date Opened : XX/XX/2017 Balance : {$2300.00}
Consumer complaint received 2022-11-13
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. (NY)

the 3 crediting bureaus sold this fraudulent debt to a crediting agency, XXXXXXXX XXXX, they refused to investigate, they did not want to expunge the debt from my report unless i paid. requested and received pay to delete under false pretenses resulting in identity theft on their part according to the Identity Theft and Assumption Deterrence Act of 1998, This Act makes it a federal crime to " knowingly transfe [ r ] or us [ e ], without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, any unlawful activity that constitutions a violation of Federal law, or that constitutes a felony under any applicable State or local law. '' ( 47 U.S.C. 1001 et seq. )
Consumer complaint received 2022-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

XXXX is completely unresponsive. You call them they hang up. You chat with them and tell them you are dissatisfied they disconnect the chat. They respond once with an incompetent response and then you follow up and they ignore. 

Can not access my account anymore as it was transferred to Citizens Bank. While at XXXX : 1. I did not receive the full amount back from a wire and followed up but was ignored.

2. I was charged to receive multiple wires the last several weeks of my account and was ignored when I questioned them.

3. I paid for new checks for my XXXX account and after I purchased them I was then transferred to Citizens so the checks are now useless.

4. Citizens is currently charging me to receive/send wires and I was not informed of this prior to the transfer. My understanding is my benefits would be transferred.
Consumer complaint received 2022-02-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (KS)

I am unable to reach Suntrust/Truist customer service to talk about my auto loan which I tried to defer payment for. I followed their instructions and faxed over the deferment document, but they failed to do what they said they would do. When I tried to call them on multiple occasions I got recordings from them stating wait times to speak with a rep are over 60+ minutes. The one time I was able to wait on hold for over an hour, they disconnected my call as soon as they picked up my call. 

I am getting no where and need help. These wait times are UNACCEPTABLE. Banks shouldn't be allowed to do customers this way. I didn't chose them for my auto loan, the car dealership did. I feel stuck and getting no help is causing a lot of grief. I took a look at what others are saying on social media, and I am not the only one who is hitting the same brick walls. If a bank can't handle their customer service lines and leave no way to get a call back, they shouldn't be in business. This is wrong.
Consumer complaint received 2021-12-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (NC)

On XXXX, I made a money transfer using western union for the amount of {$120.00} and a tax of {$2.00} for the transaction. This transaction was made to be delivered into the receiver bank account in XXXX ( XXXX XXXX XXXX ). The receiver 's name is XXXX XXXX XXXX. Western Union told me that the money will be paid into the receiver 's bank account by XXXX. On XXXX, the money was not still available in the receiver 's bank account as promised by western union. I called western union on XXXX, they gave a case number ( XXXX ) and asked me to wait for 24-48 hours that the money will be available. Up to this point, anytime I called any of western union 's phone numbers ( XXXX, XXXX ), they keep dropping my calls. The money was met to be used to pay rent in XXXX and the receiver is about to lose their home. Please, I need an urgent solution to resolve this problem caused by the western union. 
Also, the tracking number ( XXXX ) is XXXX gave to me by western union.
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

This is the 3RD time I have sent a complaint about this fraudulent account from THE XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX. I have informed the 3rd Party collection and the credit bureaus that it has been reported to both XXXX Police and FTC. Now a 3rd time with the CFPB.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS IMMEDIATELY!!!
Consumer complaint received 2021-12-29
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: Franklin Collection Service, Inc. (NV)

Account Number XXXX FRANKLIN COLLECTION SERVICE INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/2021 Original Amount {$630.00} Original Creditor XXXX XXXX XXXX XXXX XXXX  I have never had an XXXX XXXX account. This does not belong to me. I have been with XXXX XXXX for my phone since it started. And before that I had been with XXXX XXXX. 
I credit has been in the XXXX for years. All of a sudden I get this on my report and now my rating in in the XXXX XXXX. I told them this does not belong to me. 
I also had an incorrect address listed on my XXXX report and asked to be corrected as I had never lived at the address they listed on my credit report.