davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-08
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX 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  violated/violating 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 2020-08-07
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)

There are several accounts reporting that does not belong to me : XXXX   - Date Opened : XX/XX/XXXX ; Bal : XXXX ( TU ) XXXX - Date Opened : XX/XX/XXXX ; Bal : XXXX ( TU & XXXX )
Consumer complaint received 2022-11-06
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. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately
Consumer complaint received 2020-06-19
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (CA)

XX/XX/2018, I signed up a 3 year lease with Ally through XXXX XXXX XXXX for me to pay {$340.00} monthly on the XXXX of every month. I paid at least a few days before the deadline through my bank, XXXX. 
I had a car lease with XXXX before this, and that's how i did it with them and never had a problem. 
I have received a text about a past due from an unknown number a few times last month, at first i just ignored it, but this month i was curious so i logged in to my Ally account, and to my surprise, the amount that i should pay monthly has change since the beginning i guess. I was so mad because I've been paying on time and this might have affected my credit score. 
I checked my account and they have increased the amount since i don't know when cuz i can only see the past 12 months transactions. 
For any changes, they know my address, phone number and email, they should have sent a letter to inform me of any changes and reason as a courtesy to a customer or just for being responsible. 

I sent an email to XXXX and Ally but did not get a reply from them.
Consumer complaint received 2023-01-08
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. (GA)

I received a notification from the Consumer Financial Protection Bureau indicating XXXX is still working on the problem. It has been over 30 days, and according to Federal Law and the Fair Credit Reporting Act, this company should not be granted additional time. By law, Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information within 30 days. This agency has been contacted numerous times regarding this complaint and nothing has been done. I would like further explanation as to why my rights are being violated. The law is clear. Please follow-up and inform me of any additional laws which grants this agency additional time in writing. Thank you so much for your help.
Consumer complaint received 2020-10-02
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. (TX)

See attached letter. XXXX reflects they did not have written authorization to access my credit report. XXXX reflects in letter they had a verbal permission to access my credit. FCRA clearlly states that written instructions is required unless a person ( and not a company as XXXX ) has met the permissible purposes required to access one 's credit report. 
In addition, XXXX then contracted XXXX XXXX to access my credit report on their behalf. XXXX XXXX is a group of companies under one company who then has access to my personal information. I never gave permissible purpose to XXXX XXXX or XXXX to access my credit report and the CRA 's need to remove inquiries immediately.
Consumer complaint received 2020-10-02
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. (AL)

I HAVE DIPSUTED THIS ACCOUNT SERVERAL TIMES. ALSO PROVIDED A SECURITY BREACH FROM THE XXXX XXXX XXXX XXXX. SOMEONE STOLE MY IDENTITY AND OPENED FRAUDULENT ACCOUNTS. IT IS VIOLATING MY RIGHTS AND HINDERING MY CREDIT BUILDING PROCESS.ALL THE OTHER BUREAUS HAVE REMOVED THESE ACCOUNTS FROM MY CREDIT REPORT EXCEPT TRANSUNION.
Consumer complaint received 2024-03-19
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. (IN)

My credit report this month listed a hard inquiry. I am not aware of anything that would have required an inquiry ( I did not apply for a car loan, mortgage ). I called the bank where I see my credit report to ascertain who made the inquiry. They were unable to tell me and directed me to Trans Union for the inquiry. I just finished a call with Trans Union. They instructed me to send a report to the FTC. 
The Factual Data report was dated XX/XX/2024.
Consumer complaint received 2020-10-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TCF NATIONAL BANK (NV)

I XXXX XXXX, submits this complaint against TCF Bank ( hereinafter TCF ) for allowing unauthorized automatic draft from my checking account. 
On XX/XX/XXXX, a merchant unknown to me doing business as XXXX XXXX XXXX withdrew {$49.00} from my checking account. I have no knowledge or no business with this company. This was the first unauthorized withdrawal. Second XX/XX/XXXX for {$49.00} this caused an overdraft fee of {$15.00}, on XX/XX/XXXX another fee for {$49.00} was withdrawn caused an overdraft fee {$15.00}. 

I became of aware of these fraudulent transactions after I attempted to make a ATM withdrawal. I contacted tcf Bank they informed me of the bank that was making these alleged withdrawals. They also claimed that it seemed suspicious according to their records. Whereas, I have never authorized any automatic payment from account since opening on or around XXXX. The bank representative informed me that they suspected some illegally activity but refuse to XXXX XXXX my account unlike most banks and credit cards company. I also believe that someone from within TCF who is authorized to monitor my account. Is fully responsible for my hardship. 

This fraudulent transaction has brought hardship and stress as a senior citizen living on a budget, I can not afford any overdraft fees that I am not responsible for. TCF failed to notify me of these illegal transactions and too safeguard my identity. They refuse to start a complete investigation to have the bank in question to refund those illegal withdrawals. TCF also allowed for my identity to be misused and abused.
Consumer complaint received 2023-01-08
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. (MO)

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 : # XXXX, XXXX XXXX  # XXXX, XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX 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, all have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2020-09-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (GA)

This account was open XX/XX/2020 This account was reported as collection orig creditor : Medical {$52.00} I have no contact information I would like to know what services I had to accrue {$52.00}
Consumer complaint received 2020-10-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (OH)

I purchased a computer for XXXX XXXX XXXX back in XXXX that started having problems with the hard drive, that eventually died. I received no response from XXXXXXXX XXXX XXXX, so I contacted the XXXX XXXX XXXX   and filed a complaint. XXXX XXXX XXXX  responded and I was given a {$51.00} credit so that I can purchase a new hard drive for my computer that has been sitting here in non-working condition. My work has been behind for now four weeks and finally my complaint was resolved. Now, the credit was put on my Bluebird/Amex card for the {$51.00} as of XX/XX/XXXX, but now it is on hold and I really need to purchase my hard drive, because I can't afford to be any more behind. I have attached documents showing screenshots of what is seen on my Bluebird account with the transaction information. A rightful return now being on hold after having to deal with this fiasco for the last few weeks, is completely unacceptable. I noticed online, there has been a lot of complaints about Amex/Bluebirds practices. Months before they were not doing this, and now they are getting really crazy.
Consumer complaint received 2020-08-18
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. (TX)

To Whom It May Concern, The reason for my dispute is the following accounts : XXXX XXXX, XXXX XXXX, XXXX   XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX  XXXX, XXXX   XXXX XXXX I am unable to locate documentation that they comply with this requirement, which is a violation of the FCRA & FDCPA 609 ,623 611, Section 807 ( 11 ) & FDCPA 809, Under 809 failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, these above-mentioned companies are held liable as well for defamation and in the state of OHIO. FDCPA I fail to see where any of these companies are in compliance with OHIO LAW. I also have reported these accounts to the FTC, and XXXX Police Dept. I need this collection account to be removed from my credit report.
Consumer complaint received 2020-08-18
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. (FL)

I sent request to solve problem with accounts which are not belong to me and never were opened by me. For a long time ago I have already find out this problem with company listed in identity theft. All of these accounts with {$0.00} balance and paid in full, but with lateness and they are not belong to me. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I dont recognize these debts. It's not my accounts. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.

Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline.

Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FCBA, FCRA, and other federal statutes.
Consumer complaint received 2020-06-19
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: Nelson Cruz & Associates LLC (NY)

On XX/XX/2020 phone call made by XXXX woman XXXX approximately XXXX claiming she was intake from ( XXXX ) XXXX XXXX XXXX. The attorney name XXXX XXXX I was told was suppose to contact me an hour after intake. In which this person calls from law firm claiming to need information before I receive assistant about a housing matter. The following day less than 24 hours later a XXXX male uses the information provided to a XXXX assistant to claim I open an account on XX/XX/2020 with a company called XXXX XXXX. This is a fraudulant account and act on behalf of someone calling me using another company to input his law firm Nelson Cruz Assoc on my credit report with no phone number for contact no address. This was a malicous attack through using a business for deception purposes to ruin my credit on wrongful information without any letters or phone calls just a lie on stating I opened an account. When I tried several attempts to reach the woman who is obviously working remotely moonlighting two jobs she used my information to provide to one of her associates to fraudulantly update my credit with bogus derogatory information. I want this removed immediately and them both to be exposed. Nobody knows if this company or law firm Nelson Cruz is real outside of how he used an associate to get details on my money on my social security my job information etc. Stating there in company with XXXX XXXX who was suppose to contact yesterday which is not true. The name the woman gave was bogus that is why when I call her number she refuses to call back or respond. I want justice on these swinderlers behind the scenes. It made since she mentioned a lawyer she knew from her job then passed off my information to another attorney who knows that I will report them to the bar association this would not be my first situation with this type of behavior from attorneys. There doing underhanded derogatory non compliance to consumers. I am very unhappy that XXXX  would allow this type of action knowing I spoke on fraud and alot of attorneys have been caught up in XXXX XXXX XXXX using my name. I am in supreme court now behind these same actions. This is why the fool would not put his entire identity on the record. Used one of his associates to blind side me lying about the call. I do not owe this company and if I do it would not be an open account on XX/XX/2020 so, this person has done something illegal to pursue a case but, these people don't have a case there just showing how easy it was to play me by lying about who was going to contact me after the intake. No one contacted me I was bamboozled by employees faking moves to get people to talk on behalf of another company while helping fraudulantly attorneys to input information under a consumers credit report with there identification information.
Consumer complaint received 2020-06-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

I opened a checking and saving account with Chase early XXXX. I received a letter less than a week later stating they where going to close the account with no reason given. Then they are holding the {$16000.00} I deposited. They refused to send my funds and said I would need to wait for a check to be mailed which takes up to 2 weeks. I told them I needed my funds today XX/XX/XXXX. I've spoken to 5 different reps and the executive office. They opened an investigation but I need my funds now!!!
Consumer complaint received 2020-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX has appeared on my Transunion credit report without any permissible cause, no credit or loan has been awarded. This is violations of FCRA rules section 1681
Consumer complaint received 2020-09-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (GA)

This account was open XX/XX/2019 This account was reported collection orig creditor : medical {$67.00} I have no contact information I would like to know what services I had to accrue this amount of {$67.00}
Consumer complaint received 2024-03-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2020-08-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions (AR)

Rent Recovery Solutions have submitted {$2500.00} on my credit report, I left this apartment in good standings owing nothing, infact was expecting a refund. talked to manager before leaving and she even stated i could keep the mailbox key until i had address changed over. The apartment was cleaner then when i moved in. The reason i moved out was roaches and bugs, was never painted i had to do all of that. manager would say it will be done but never was. This was 2015 i think. also when i took the key back a few days later someone had already moved in. my lease was up ... .I have tried calling to no avail.