davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-12
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. (MD)

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 XXXX XXXX XXXX. 

XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX : # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) : # XXXX, REC XXXX XXXX ( Original Creditor : XXXX XXXX ) : # XXXX, XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) : # XXXX XXXX Original Creditor XXXX XXXX XXXX  ) : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX & XXXX XXXX : # XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-12
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. (MD)

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-01-16
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. (FL)

Good afternoon, I feel my information has been compromised either online or by the XXXX  data breach. Several accounts that do not belong to me have popped up on my credit report saying I owe {$400.00} to XXXX  XXXX XXXX  and {$600.00} to XXXX XXXX  which I have never authorized or done business with these companies. Also there are collection accounts for XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX which I also am not familiar with these organizations nor ever done business with them. I have not had any medical procedures or anything done in many years so please remove these fraudulent accounts off my credit report permanently. I am looking forward to your help. Thanks in advance.
Consumer complaint received 2024-03-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. 

Details of the accounts are as follows : 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 2023-01-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2022-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Affirm Holdings, Inc (AE)

To Whom It May Concern : An account was open with Affirm Inc with an open date of XXXX that I didnt open. This company excepted information online without doing a proper identity background test by requesting proof of identity such as passport or drivers license to verify who they were actually dealing with and thus allowed a thief to open an account using some of my credentials. As a side note when trying to contact Affirm Inc, I was not able to talk to an XXXX XXXX. They are using an out-source call service with no direct connection to the parent company. 
I have the same complain with XXXX XXXX XXXX  XXXX who allowed a thief to open an account in my name without verifying their credentials. They in turn sold the debt to XXXX XXXX XXXX who I contacted and explain that this debt wasnt mine and that I was a victim of identity theft. However, they have refused to remove it from my credit report nor have they even attempted to investigate my claims of fraud and just ignored me. They also are using out-sourcing call center to shield the parent company from complaints. 
My complaint with XXXX XXXX. I contacted them and after they did their own investigation it was determined that I wasnt responsible for the debt. I would just like for the three credit reporting agencies to completely remove and existence of this from my credit report.
Consumer complaint received 2023-02-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I have a Checking Account with USAA Federal Savings Bank. The account number is XXXX. I incurred six ( 6 ) NSF Fees of {$29.00} each from XX/XX/XXXX to XX/XX/XXXX. This totals to {$170.00} in fees. On XX/XX/XXXX, I became aware that my account with a third-party payment processor ( XXXX ) had been compromised and multiple unauthorized payments occurred via XXXX, which subsequently drew funds from my USAA account and consequently overdrew the account and continued to attempt charges. The issue has since been resolved by XXXX. 

I promptly notified USAA to report the issue on XX/XX/XXXX. Unfortunately, they failed to resolve the issue. I wrote to them again on XX/XX/XXXX, and XX/XX/XXXX, to no avail. After my third letter to USAA, I was advised to send in my request in writing again and provide supporting documentation from XXXX. I did so on XX/XX/XXXX. Unfortunately, it has been almost two months and I have not received a response. I sent a follow-up letter on XXXX, XXXX, XXXX, but they still have not refunded the NSF fees that resulted from the fraudulent charges.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I appreciate you taking the time to REMOVE some of the information in my credit file ; however, there is still an account that needs to be REMOVED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is REMOVED. 
XXXX XXXX XXXX XXXX XXXX XXXX
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. (TX)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-09
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. (MO)

Equifax is fraudulently reporting that that has been discharged on three or more accounts and destroying my credit. All these accounts are closed and discharged according to the UCC guidelines. Equifax is reporting accounts that have been removed from XXXX and XXXX XXXX which is against The rules of The fair debt reporting act. I have disputed them and get no investigation, or any real verification of any debt. No documents will be provided or proof of verification.
Consumer complaint received 2023-01-23
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. (CO)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2022-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I have had a Bank of America credit card for 21 years. In XX/XX/2021 I noticed several fraudulent charges appear on my account within a couple days. I called Bank of America and advised them of the fraudulent charges and they immediately closed the account, issued a new card and account number, and began the process of refunding the charges. I received the new card within a few business days and the fraudulent charges were resolved and credited back to my account within a couple weeks. On XX/XX/2021 I noticed a fraudulent charge post to my account. I called Bank of America and advised them of the fraudulent charge. After several minutes, they advised me that the charge actually posted to my previous account number, the account that had been closed 5 months prior. I asked how this was possible and they said they weren't sure but that it was related to the original fraud claim in XXXX. Bank of America advised they would again close the account, issue a new card ( even though the charge was made to a previously closed account number ) and resolve the fraudulent charge. A few days later, I noticed my credit card was still active and had not been closed. After 30 days, I had not seen the fraudulent charge credited back to my account. I called Bank of America again and asked why the charge had not been credited back yet and why my account had not been closed. They advised that fraud charges can take up to 60 days to resolve. That seemed excessive to me since they handled the previous fraud charges within a couple weeks. They weren't sure why the account had not been closed and a new card had not been issued. I told them to completely close the account as I was no longer interested in having an account with Bank of America because I had no confidence in their fraud protection abilities. They said they would close my account. I waited another 30 days and my account was never closed and the fraudulent charge had still not been credited back to my account. For the third time, I called Bank of America and asked why my account had not been closed and why the fraudulent charge had not been resolved. Again, they didn't know why the account had not been closed. This time they advised that fraud claims can take 60-90 days to resolve. That is completely unacceptable for a single fraud charge to a closed account number that was clearly their fault. I again requested that they completely close my account and remove my information from any contact list as to not receive any correspondence from Bank of America. It appears after the THIRD request, they closed my account. I'm still waiting to see the fraud charge credited back to my account, which at this point, will have to be a check sent to me in the mail.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

I have sent letters to XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Consumer complaint received 2022-02-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CMI Group, Inc. (PA)

I received a call asking me to tell them personally identifiable information. I asked them who they were and what they were calling about. She said she could not tell me without me giving her my address and other information. She told me she was " Office of Credit Management ''. I told her I do not have any awareness of that entity and I couldn't give her any information unless she informed me what she was talking about. She refused. I told her the conversation couldn't continue unless she told me more about what she was calling about. This loop continued a few times. She muttered something about mail and said goodbye.
Consumer complaint received 2022-02-23
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (PA)

I choose to send payments to XXXX XXXX ( TD XXXX XXXX XXXX  ) that I initiate through my bank ; I refuse to let banks that I have no relationship with grab money directly out of my checking account at their own initiative. I instruct my bank to send payments to TD XXXX XXXX XXXX 3 to 4 days before the account due date since TD XXXX XXXX XXXX will not accept ACH payments initiated from another bank and requires payments to be sent by check through the mail if I do not allow them to enter my bank account on their own initiative and grab money directly from my bank. For the last 2 payments, although the paper check was mailed 10 days in advance of the due date ( 7 days normal mailing time + 3 days early ), TD XXXX XXXX XXXX claims that they are receiving the paper check 2 days after the due date and subsequently charging me a late fee. Since I have to deal with paper checks to make payments to XXXX XXXX and I instruct my bank to mail the payment check so that is is received on the due date ( not early ) and XXXX has not tried to claim that they are receiving checks late ( thereby charging a late fee ), I know that TD XXXX XXXX XXXX is intentionally holding back receipt of the paper check in an effort to collect a late fee. 

My bank has already processed my XX/XX/2022 payment to get to TD Bank 4 calendar days before the due date so I can not request it be mailed earlier. I want TD Bank to acknowledge the XXXX payment when they receive it in their mail and not a week later when they get around to it.
Consumer complaint received 2022-12-13
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Under the fair credit reporting act i want to know the name of the person, their title and contact information that verified the information as being mine. If you cant provide this within 15 days the accounts are to be removed immediately. If this continues i will be forced to take legal action.
Consumer complaint received 2020-01-16
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. (OH)

After reviewing my credit report from EXPERIAN, I have noticed that the report shows 6 fraudulent credit inquires that I did not authorize. 1. ) XXXX XXXX XXXX 2. ) XXXX XXXX 3. ) XXXX XXXX XXXX 4. ) XXXX 5. ) XXXX XXXX XXXX XXXX 6. ) XXXX Please investigate and remove these inquiries as quickly as possible. I have included with this complaint copies of all required documentation. Identity Theft Report, Letter to Experian, Drivers License, Social Security Card, Proof of Residence, XXXX  Credit Report, and FCRA 605B
Consumer complaint received 2024-02-24
Product: Credit reporting 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)

recently i looked at a copy of my credit report and noticed a few inaccuries on my account this account is hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy here are the items i am asking you to verify XXXX XXXX XXXX XXXX XXXX XXXX