davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-11
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. (ID)

Account XXXX XXXX XXXX XXXX XXXX # XXXX Under 15 U.S.C Sec . 1681 I ( a ) you can not provide proof ( Proof being a signed agreement of the two parties to the debt ) then these accounts need to be deleted. That everything in that report must be 100 % correct or it should be deleted. please investigate the following account and remove them if proof is not obtained at a 100 % assurance of factual information.

15 U.S.C 1681 ( 3 ) E states ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer or from the consumer.

They also violated my rights numerous times.

According to U.S.C 1681 section 602 A states as I have the right to privacy this has been violated many times by this agency by this account I request they delete and remove it.

According to 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. Please send proof of my written instructions or delete the account from the report.

According to 15 U.S.C 1681 s-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. See the Also know as different names different accounts Cause for concern this account is not accurate and should be deleted and removed.
Consumer complaint received 2022-10-10
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. (NV)

In accordance with 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 Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX Bank Account Number : XXXX XXXX  XXXX  Account XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX. Has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 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 a consumer report containing any of the following information. Any other adverse item of information, other than convictions of crime which antedates the report by more than seven years. 
15 USC 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 2023-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Self Financial Inc. (IL)

I have 3 negative accounts on my credit that was open fraudulently. I would like to have them removed. I have sent several letters to these companies and disputed the transactions, and nothing has happened. 

SELFINC/LEAD, XXXX SBNASELFLNDR, XXXX XXXX XXXXXXXX
Consumer complaint received 2023-06-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I want to send in a complaint against Bank of America. I was a former customer of Bank of America in XXXX and closed my account with them. For some reason on XX/XX/2023 I received an email saying congratulations on opening up your new checking account ending in XXXX I was confused because I didn't open an account with them. I contacted the bank on XX/XX/XXXX they told me they put a fraud alert on the account and that it was closed I was supposed to receive fraud documents to fill out in 3-5 days I never received the documents, claim number, or any information about the account. I called again on XX/XX/XXXX I was bounced from department to department until I finally reached someone I was told that the email was sent but I still haven't received anything. I called back on XX/XX/XXXX and I was informed that someone just so happen typed my email address wrong that's why I never received any documents. I called on XX/XX/XXXX to follow up and I still didn't receive the documents they told me they were going to resend the documents. I called back on XX/XX/XXXX they were going to resend again. On XXXX the XXXX after almost a month I finally received the fraud documents to fill out and fax in. I was told that the fraud team was investigating the IP address and tracking down who was responsible for opening up the account. I received a letter on XX/XX/XXXX that the matter was closed and the account was going to be moved from my credit report. The issue I have is Bank of America never told me who opened the account, the IP address if this was opened online or in person if the person was overseas or in the States so that I could press charges or investigate on my end further information. Bank of America did not provide that they just closed out my claim without any further information. I find it strange that I received no information on the account, was left in the dark, and was treated as if I was the one opening the account by going round and round with Bank of America. My significant other has an account with Bank of America and when someone used his information to commit fraud Bank of America was able to locate the person that committed the fraud and found out they were in a different city and state. I find it strange I didn't get that same service. Other customers have complained that they had old accounts with Bank of America and they too received an email that an account has been opened in their name and did not receive any information as well. I want to have this matter looked into further to make sure it is not an inside job and the bank is just randomly opening up accounts to make quota or if this is an individual or individuals that got my information from a data breach or something like that. I need answers! Thank you
Consumer complaint received 2023-06-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (TX)

I was scammed {$2000.00} by a duplex owner in XXXX Tx, I found out 1 week later after I moved in to the home that he was indeed not the actual owner and I had already sent him the money for the deposit and move in date on XX/XX/2023.
Consumer complaint received 2021-06-13
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: Experian Information Solutions Inc. (NC)

Experian is reporting information on my credit report that I do not have knowledge of. I have asked Experian on the following dates the questions below. 
XX/XX/2021 XX/XX/2021 Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX The companies above and your company DID NOT notify me 5 days before placing these accounts on my credit report which os a clear violation of my rights under the FCRA. Please remove these accounts immediately. Please provide all of the information below for all of the accounts I listed above. 

What is the date of first delinquency? 
What is the date of last payment? 
How was this account verified with my full legal name, date of birth, and social security number? 
What is the address on file with the account? 
What is the phone number of the company providing the information to your company? 
What is the address of the company providing information to your company? 
What is the date of the original contract when the account was opened? 
Was the information sent to your company by electronic mail, facsimile, XXXX, USPS, XXXX, XXXX, or another secure method? 
What is the name of the person that is providing information to your company? Is it someone from the company or a third party? 
Please provide a clear copy of a contract for each account showing my name, address, and signature. If your company can not provide all of the information I am requesting, please remove the accounts from my credit report immediately. 

Experian never answered any of my questions and none of these companies sent me a letter in reference to the accounts they reported to Experian. 

Experian has been notified by mail more than 10 times to correct my name. I have sent them a clear copy of my Passport, social security card, and current bill showing my name and address and they refuse to correct my name. Experian has my name listed as XXXX XXXX and my name is XXXX XXXX XXXX
Consumer complaint received 2022-02-10
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. (FL)

On Transunion credit reporting reported derogatory information on my credit report regarding a fraudulent collection item from XXXX XXXX XXXX in XXXX, MS and XXXX XXXX in XXXX, OH. I notified all three companies that this was identity fraud. Both companies acknowledged the identity fraud and promised to remove the issue but Transunion is still reporting it on my credit report.
Consumer complaint received 2022-10-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (TX)

Last Tuesday I was notified that Chime had detected suspicious activity with my account via email. Since they did not detail what the activity was, I called and was told after talking to multiple agents and supervisors that there was a pandemic payment assistance program ( something I had no knowledge of, and had never participated in ) was trying to make a deposit into the account. 

They subsequently locked, suspended and closed my account within the span of less than XXXX hours. I was then told that none of the funds I had already in the account would be returned to me. This has caused me a huge amount of distress not only because I had {$1000.00} in my savings ( now closed and unable to be accessed ) but my payroll check this week was also disrupted and now I am unsure as to whether I will receive it now at all. 

Chime has also stopped answering phone calls and they are no longer communicating by email, so I have no way of knowing what is going on or what the status of this issue is. They continually refuse to communicate and when I was able to talk to someone at the beginning, I was sent on a never ending circle of hearing the same thing- no help is offered. there is nothing they can do, etc. 

I would like all of my funds to be returned to me whether that is by Chime unlocking the account, or by sending me a check in an expedited manner. All of the funds that were in there are funds I had personally worked hard to save over the last few months starting a new job. I am now stuck with no way to buy gas or groceries or pay my bills due to this action by Chime. Please help!
Consumer complaint received 2022-10-11
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$18000.00} ; XXXX XXXX XX/XX/2022.
Consumer complaint received 2022-10-11
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. (NC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX  ) XXXX Balance : {$220.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$790.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$430.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX : {$30.00} ; XXXX XXXX XXXX Balance : {$210.00} XXXX XXXXXXXX XXXX Balance : {$150.00} XXXX XXXX XXXX**** Balance : {$170.00} XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-03-06
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. (NC)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-06
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. (NC)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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
Consumer complaint received 2022-12-06
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Alliant Capital Management LLC (IL)

During the year of XXXX I took out a Payday Loan of XXXX dollars at the store location : XXXX XXXX XXXX XXXX XXXX Illinois XXXX which is no longer open for business now! It is closed down! I paid this company XXXX dollars back but was unable to pay the interest amount to them due to the Pandemic. I was told since I default on my payment plan I XXXX to start over and pay XXXX dollars to them. After talking to XXXX XXXX XXXX on yesterday, I was told my account was sold to a 3rd Party called : Alliant Capital Management located : XXXX XXXX XXXX, XXXX XXXX XXXX, New York XXXX. Alliant have harassed me with phone calls threatening to have me served at home or my work with papers. Even after me telling this company I just had XXXX XXXX and other illness they continue to harass and threaten me. The lady told me she didnt care. 
Please.help me to solve this problem! 
Thanks! 
XXXX XXXX XXXX
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

After reading there ( Privacy Notice ) .I never gave Credit Acceptance permission to report late payments only list credit acceptance for marketing Purpose for business growth. I have been violated of the law. Under 15 USC 1681b - permissible purpose of consumer reports, I have call them multiple times to fix the problem but I was told by XXXX XXXX that 15 usc and consumer law doesnt apply with them do to the state they are based out of.. The account I have with them are closed and paid by me. I was never late because I sign up for Direct deposit.. I sent letters and they keep getting ignored by them
Consumer complaint received 2022-10-11
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. (NC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$790.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$430.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : {$160.00} XXXX XXXXXXXX XXXX XXXX : {$30.00} ; XXXX XXXX XXXX Balance : {$210.00} XXXX  XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX**** Balance : {$170.00} XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-10-11
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)

Despite the multiple previous written requests, the unverified item ( XXXX ) listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( XXXX ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with remedy which Im about to seek. You are willful noncomplying with the FCRA. 

Since you claim youve verified the account ( XXXX ) listed below I wanted to confirm my thoughts and contacted the companies directly. Not XXXX of them provided me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( XXXX ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX Date Opened XX/XX/2014 Balance {$0.00}.
Consumer complaint received 2022-10-11
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. (TX)

Experian is giving me a hard time about things on my report,, I cant understand is how I file a fraudulent report back in 2020 when things started happening on my report,, I sent a copy of the file number and date so I what I cant understand is how can you update my disputes with my current credit report,, yes its going to match if it was stolen and used come on now how can that really happen its not fair and its not right to continue to be a victim and cant get no help XXXX removed the negative information I disputed why yall cant how XXXX just update stolen information with current information and says its me when telling you its not me world financial, XXXX  XXXX XXXX XXXX XXXX XXXX and more of the dispute please stop updating my current information with this fraudulent report please remove these things please