davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-06
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. (SC)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also stated a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-02-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (GA)

Hello, There's a collection company called IQ DATA that has been contacting me via telephone about a debt I have no knowledge of. The first phone call was around XX/XX/2021 in which I explained to the representative that I've never had an account with their so called client ( XXXX XXXX XXXX ) which is the original creditor. They asked me if I ever lived at the address where the account was originated in which I told them " NO ''. I recently seen that IQ DATA is reporting that I owe this debt of {$140.00} to the credit bureaus XXXX XXXX XXXX. I sent IQ DATA a letter asking them to send me a description of the services and charges or anything that proves this account belongs to me and they responded with a letter stating I need to send a police report claiming identity theft, a government ID & proof of residency. I do not want to send personal information to this company, I never filed identity theft because they never sent any validation of my social security number or birthday being used, there's hundreds of XXXX XXXX and they have the wrong one. I do not owe any monies to IQ DATA or XXXX XXXX XXXX. and I would like for IQ DATA to remove this inaccurate account from their records as well as my credit report.
Consumer complaint received 2023-06-13
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. (VA)

I am filling this complaint to EQUIFAX for allowing fraudulent inquiries on my credit report. As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX
Consumer complaint received 2022-03-22
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. (FL)

XXXX XXXX has not sent requested information from multiple demands. 
1 ) Copy of signed consent to furnish my public information to any person/company/CRA etc 2 ) copy of the signed contract of the alleged debt These demands have been ignored on several letters received to them. Currently letter was received XXXX XXXX ( usps tracking # XXXX ). This request is to be completed within 30 days. I do not agree to any more time being used for investigation
Consumer complaint received 2021-06-14
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. (CA)

XXXX XXXX XXXX XXXX ran a credit inquiry through Trans Union that I did not authorize. I have never heard of this company.
Consumer complaint received 2022-02-17
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Hello, My name is XXXX XXXX. On XXXX XXXX XXXX dollars was stole from my XXXX XXXX debit card and XXXX on the XXXX of XX/XX/XXXX. I called Bank of America Within XXXX hrs of the XXXX being stole. I had went to the ATM on the XXXX to withdraw money And thats when I found the money was gone. I immediately contacted the bank who then Issued me a a new card and their help stopped there. I immediately filed a police report on XX/XX/XXXX. On the XXXX of XXXX after being denied I sent them everything they ask for to DISPUTE their action. I faxed everything they needed on the XXXX of XXXX from XXXX XXXX XXXX here in XXXX, XXXX. They tried to say it was the XXXX but their XXXX Didnt realize the date and time of day and what day are on the fax. I have proof. Anyway, today is XXXX the XXXX XXXX and they have done absolutely NOTHING. I have kept detailed Information on every call Ive made and what Ive done to resolve this matter. They have 45 Days to resolve a transaction Dispute. They clearly are doing nothing. Im not that good at Math but its been 52 days from the XXXX of XXXX if you go by their numbers 58 days is The right number because Thats the day I disputed and thats when I faxed the information They wanted. I HAVE PROOF! They see it to the Date time of day is on the fax. They choose To not do the right thing. They are doing the same thing to XXXX XXXX XXXX Debit card users as they got in trouble for in XXXX Anyway thanks for your time, My name Is XXXX XXXX my claim # XXXX for Bank of America. Im starting a XXXX XXXX to address the actions of Bank of America. Im not alone!! My number is XXXX.
Consumer complaint received 2022-02-17
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (MD)

Tuesday XX/XX/2023 I attempted to access my bank account at Ally Bank. I visited ally.com and input my login information. The website redirected me to this URL : https : //secure.ally.com/temp-unavailable The URL displays this text : " Request can not be processed We're unable to process your request at this time. Please us 24/7 for help. '' I called the help number at XXXX and reached a representative. The representative said : " we are experiencing a system-wide outage at this time our tech team is actively working on getting that resolved call back in 2-3 hours when we are expecting updates to be completed '' I waited a few minutes and tried again, but I get the same error message. 

There is no other option for me to access my bank account.
Consumer complaint received 2022-02-17
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX
Consumer complaint received 2023-06-14
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission.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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-16
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. (MI)

This letter is to delete and update some personal information that is on my credit report ; because it is incorrect, neither it does NOT belong to me. The only addresses that should be showing on my credit report are XXXX XXXX XXXX, XXXX MI, XXXX, and XXXX XXXX XXXX XXXX XXXX ARIZONA XXXX. The name XXXX XXXX is incorrect and needs to be REMOVED. The only telephone number that belongs to me is ( XXXX ) XXXX. The only job that should be reporting is XXXX XXXX XXXX XXXX XXXX  PLEASE REMOVE ANYTHING THAT IS INCORRECT OR THAT IS NOT MENTIONED ABOVE IMMEDIATELY.
Consumer complaint received 2022-12-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OPORTUN FINANCIAL CORPORATION (IN)

I have contacted Oportun aka XXXX numerous times. I attempted to pay off this loan by using a balance transfer from XXXX. XXXX electronically sent funds in the amount of {$4100.00} on XX/XX/2022. As of this evening, my account has yet to be adjusted as paid in full. They continually tell me that the funds were NEVER received. I have submitted numerous documents from XXXX, but Oportun continues to reject my attempts to clear up this issue.
Consumer complaint received 2021-04-15
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. (PA)

FAIR COLLECTIONS & OUT Originally : XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX {$4800.00} I have reported to this company that this account is fraudulent and affecting my credit and they will not remove. My child has XXXX and tried to lease a home close to services and was denied because of this.
Consumer complaint received 2022-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Meade & Associates, Inc. (OH)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
Account Name : XXXX & XXXX Account Number:XXXX Please remove it from my credit report. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX  COMPLIANCE. 
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 
PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2018-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

My credit card is enrolled in automatic payment plan with the creditor to draft the balance and pay the account in full each cycle. In XX/XX/XXXX the balance was {$580.00} and was paid in full via auto draft by the creditor. In XX/XX/XXXX, although there had been no new charges, the creditor charge me interest as if the balance had not been paid and drafted another payment of {$9.00}. On XX/XX/XXXX I called the creditor to address my concern and they refused to correct the matter.
Consumer complaint received 2022-07-06
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

The student loan account had incorrect contact information and I did not receive mail correspondence about bill being due. Additionally, this happened during COVID pandemic and XXXX XXXX like myself should be given leniency with these things. I'm not sure why this account did not continue to be under the federal pandemic forbearance either. However, since I became aware of this account being actively due I have brought the account to current status and will be making monthly payments to satisfy my loan obligation. 

Account in question Equifax : XXXX XXXX XXXXXXXX Student loan Balance {$4800.00}
Consumer complaint received 2017-06-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

I have been being garnished since XX/XX/2013 from this company. They continue to resubmit to the court a request for garnishment and then add on their lawyer fees and filing fees to increase my debt. Thus, perpetuating my debt to the Portfolio collection company. The original debt was to XXXX XXXX and I have not received any written notification of the legal actions being taken. I am only aware when I get a letter from my employer stating the court mandated garnishment. This debt is also more that six years old. RCW 4.16.040 states that six years is the statute of limitations on debt collections.
Consumer complaint received 2019-08-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc. (OH)

First Federal Credit Control XXXX XXXX XXXX # XXXX XXXX, OH XXXX In 2016 I was covered by my husband 's employer sponsored medical insurance, XXXX XXXX XXXX XXXX of Illinois. 
He was directly reimbursed {$760.00} for my XXXX ride by XXXX XXXX XXXX XXXX. Check was SOLEY in his name only as he was the employee. He deposited the check in his checking account but REFUSED to pay the bill. As my husband was the guarantor of my medical bills, ( as he was the sole breadwinner at the time as well as providing for my medical insurance through his employer, XXXX XXXX XXXX ) he is liable for this debt. 

This is showing up on my XXXX Credit Report with a date of XX/XX/2016. 
Phone calls to FFCC and online disputes have proved futile. Additionally, I have made a complaint to the XXXX.
Consumer complaint received 2022-02-17
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. (NY)

Im baffled at this moment. I have no idea what is going on over there at the CFPB. Ive submitted this same complaint XXXX times already. You claim Im not the one submitting it. This to me is crazy. So Im submitting it again hopefully this is for the last time. Transunion has not been complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the accounts listed below were opened fraudulently & without my knowledge, consent, or authority. I provided them with documents that demonstrated this legal issue but they have ignored these documents. They claim they verified the accounts without providing me with any legal documents, contracts, or verifiable proof they were opened by me. They are adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need these accounts blocked/removed from my credit file per FCRA. Below are the accounts that need to be removed : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-06
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. (KY)

I checked mt credit report through my bank and there was an inquiry for a credit card that I did not apply for. I called the credit bureau and they said I had to call the credit card company. I called the credit card company and they said the card had been issued and was coming to my address. I told them I did not apply for or want that credit card. They said they would cancel it and remove it from my credit report. It is still on my credit report the credit card is from XXXXXXXX XXXX XXXX
Consumer complaint received 2022-02-17
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: Experian Information Solutions Inc. (NY)

Im baffled at this moment. I have no idea what is going on over there at the CFPB. Ive submitted this same complaint 6th times already. You claim Im not the one submitting it. This to me is crazy. So Im submitting it again hopefully this is for the last time. Experian has not been complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the accounts listed below were opened fraudulently & without my knowledge, consent or authority. I provided them with documents that demonstrated this legal issue but they have ignored these documents. They claim they verified the accounts without providing me with any legal documents, contracts, or verifiable proof they were opened by me. They are adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need these accounts blocked/removed from my credit file per FCRA. Below are the accounts that need to be removed : XXXX XX/XX/XXXXXXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-22
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: Experian Information Solutions Inc. (FL)

I filed an identity theft report. I have repeatedly disputed fraudulent accounts that are results from identity theft on my credit profile that needs to be removed immediately. Accounts Listed Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX US Dept of EdXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-01
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cottonwood Financial Ltd. (TX)

I recieved a call for a woman XXXX XXXX who informed me she was from a company called XXXX XXXX XXXX XXXX and she was collecting a debt from a payday loan from XXXX from The Cash Store. I was told i owed over {$900.00} almost {$1000.00} and i needed to take care of that debt.  She said if i didn't take care of the matter right then iwas going to be taken to court for a civil and crimal suit. She knew everything about me including my social. She said if i didn't pay the county clerk would be contacting me. Well, on XX/XX/XXXX someone supposedly from the county clerk called me but then transferred me back to the same people from payment to keep it out of court. Not remembering that I've already paid my balance owed on that payday loan, and being threatened with lawsuits and jail time, i paid only to then do my research and contact XXXX XXXX XXXX the company i remember paying on a payday loan i did have. The same loan i paid off, these people from XXXX and XXXX which i found online to be an interior design compamy out of XXXX N.Y charged my account for {$500.00} which they said was a payoff amount for paying right then instead of being charged the higher amount of over {$900.00} if i was on a payment plan. I've already contacted my bank, canceled my card and am attemped to to file a dispute hoping the money will be returned to me. What else can i do?