davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-27
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. (CA)

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, 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 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I reviewed my credit report and found grave errors that your company is reporting to my consumer report as late or missed payments, and because of this I am being discriminated against to extent my credit. Your inaccurate consumer reporting is causing great harm to my reputation and injury to my character. This is a violation of FCRA 15 U.S.C 1681 ( 4 ) ( b ) Here the accounts youre reporting with a late payment or missed payment XXXX  : Open date XX/XX/XXXX Allegedly late payment 1 XXXX XXXX XXXX : Open date XX/XX/XXXX Allegedly late payment XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Open date XX/XX/XXXX Allegedly late payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These accounts where never late or missed a payment. I demand these accounts be Updated to its proper payment status of Pays / Paid as agreed. 
Pursuant of 15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
Furthermore I never gave you ( Insert consumer reporting agency ) or ( XXXX XXXX ) any written instructions or consent to furnish any information on my consumer report, this is a violation of 15U.S.C 1681b.

Your company will be civilly liable for negligent non compliance pursuant 15 U.S.C 1681o ( 1 ) any actual damages sustained by the consumer as a result of the failure : Again, I demand these accounts be Updated to its proper payment status of Pays / Paid as agreed within 30 days of the receipt of this letter.
Consumer complaint received 2022-10-27
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX .... Balance : {$600.00} ; XXXX XXXX .... Balance : {$18000.00} ; XXXX XXXXXXXX .... Balance : {$6900.00} ; XXXX XXXXXXXX .... Balance : {$10000.00} ; XXXX XXXX .... 
Balance : {$5300.00}
Consumer complaint received 2022-10-27
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX .... Balance : {$600.00} ; XXXX XXXX .... Balance : {$18000.00} ; XXXX XXXXXXXX .... Balance : {$6900.00} ; XXXX XXXXXXXX .... Balance : {$10000.00} ; XXXX XXXX .... 
Balance : {$5300.00}
Consumer complaint received 2022-10-27
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. (CA)

This is so despairing. What is happening with you Equifax XXXX XXXX credit Bureaus? FYI, this debt was paid to the original creditor and has no business continuing to report it as a collection account. In fact, I never had a contractual obligation with this collection company and they are fraudulently claiming I owed them! Please review your records regarding this accounts, as we have established the bureau 's propensity for reporting inaccuracies. You are violating Fair Credit Reporting Act law section 611 for reporting inaccuracies on my file. This will be my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the accounts immediately! 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$250.00} ; XXXX XXXX XXXX XXXX XXXX : {$230.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$82.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$110.00}
Consumer complaint received 2017-08-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: TD BANK US HOLDING COMPANY (NJ)

I was kept on hold for a total of about 35 minutes and spoke to representatives for all of about 3 minutes. I have been trying to access my money through an online exchange called XXXX XXXX XXXX XXXX. I have every right to access my money in this matter and know many who access their money through XXXX with a TD account linked with no problems whatsoever. I get a message saying TD is blocking me from third party applications. I call support and he tells me " that 's no problem, we can just lift the block from your account '' he then puts me through to a tech representative who pretty much told me what I was talking about did n't exist and she could n't help me all while complaining to me about why the support rep put me through to her iin the first place. Then I asked to speak to the supervisor who actually gave me some service but told me that I cant access my account through XXXX. I feel targeted and very annoyed that I can see account transfers on friends TD Bank applications involving XXXX but I 'm told I cant.
Consumer complaint received 2017-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (AZ)

This company ( XXXX XXXX XXXX XXXX, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$660.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt. Furthermore, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX does not have a license, bond, certificate of authority to collect in the state of Arizona.
Consumer complaint received 2015-11-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have tried to go directly to the credit reporting agencies and they have simply ignored my request to correct all of the incorrect data. I am coming to you in hopes that you will be able to help me to get them to do what they should have done already. Please remove all incorrect information reporting on my credit report. The following accounts are reporting incorrect information : XXXX XXXX XXXX : XXXXWhat are the terms and past due amount?? My records do not show that I was late XX/XX/XXXX & XX/XX/2015. Show proof or delete. 

XXXX XXXX XXXX : XXXXWhat are the terms and past due amount?? My records do not show that I was late XX/XX/XXXX & XX/XX/2015. Show proof or delete. 

XXXX XXXX : XXXXWhat are the credit limit and past due amounts?? I was not late XXXX 2015. You are reporting improperly. Delete. 

XXXX : XXXXYou are reporting this negatively but you are n't showing any lates. Either report correctly or delete. 

Dept Ed/XXXX : XXXXWhat is the monthly payment and credit limit?? You are showing that I was current but the very next month 90 days late. Where is the 30 and 60 day lates? Either way ... this is past the statute of limitations!!! 

XXXX XXXX : XXXXWhat is the monthly payment, date opened, balance, terms, high credit and credit limit?? You are reporting this as a charge off but there are no lates. Fix or delete. 

XXXX XXXX XXXX : XXXXWhat is the monthly payment, date opened, balance, terms, high credit and credit limit?? You are reporting this as a charge off but there are no lates. Fix or delete. 

XXXX : XXXXWhat is the monthly payment, date opened, balance, terms, high credit and credit limit?? You are reporting this as a charge off but there are no lates. There are XXXX of these ... delete the duplicate immediately. 

I would like them to fix or remove these items right away. I appreciate all of your help. Thank you for everything you do.
Consumer complaint received 2022-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (OH)

I disputed this account multiple times with XXXX and also with Affirm. The information is still reporting incorrectly to my credit report. The status on my credit report should show paid. It's reporting status is showing as past due 30 days. It has been reporting as that since XX/XX/2020 despite several efforts to get it fixed.
Consumer complaint received 2022-04-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Adjusters, LLC (SC)

I have filed a dispute with all 3 credit bureaus again on XX/XX/2022 to have these accounts that I have no idea about taken off of my credit. I have even contacted the original account holders as well on XX/XX/2022. Each time that I reach out to these companies they want me to give them my information not verify with me what they have, I am telling them that I have never had an account with them and do not know what kind of credit card company that they are and with a couple of companies there are even two accounts. These companies only have updated information due to pulling my credit after I filed my dispute. I know this only because of receiving updates from my disputes stating what is going on and it informs me of what each company does. These companies reported to the credit bureaus that their information was correct when I know it was not due to the fact that I have never received anything from them and they will not give me any information, they only want me to give them information to validate the information that they have on me. I only have 3 valid credit card companies that I use that I have had for more than 10 years anything else if fraud. I have my credit locked due to identity theft that happened a couple years back and I thought I was covered. I do not know how long these accounts were open or closed or how they were even paid on. But they are now with collection companies and on my credit. I am not paying for something I did not do and can not validate. They have update there information now on my credit report to match it correctly. I have again tried to contact them to find out information but am still getting the same run around of them trying to get me to validate what they have and I am not validating an account that does not belong to me. One of the original owners of debt has been removed from my credit and so should the debt collector but they have not. But all of them should be gone.
Consumer complaint received 2015-07-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

A credit card XXXX XXXX Bank XXXX causing a negative rating is listed. This card belonged to my parents, XXXX XXXX and XXXX XXXX I did have an authorized user card to help them.
Consumer complaint received 2022-10-27
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. (CA)

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 XXXX XXXX XXXX XXXX XXXX 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 2022-08-31
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. (OH)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to delete this inaccurate information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please delete this immediately. 
XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$74.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$490.00}
Consumer complaint received 2019-11-19
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: CITIBANK, N.A. (CA)

On XX/XX/2019 my master card from CITI bank was charge {$380.00} and {$350.00} unauthorized purchases. I contacted the citi credit card, they cancelled my card and sent me a new card. However, later I was recharged {$380.00} and {$350.00} by Citi again in my XXXX bill. I called them to dispute the charge but they said since the card was in my possession while the fraudulent happened I am responsible for those fraudulent transactions. I disagreed with them but the representative told me there is nothing she can do and told me that I have to pay the transactions.
Consumer complaint received 2017-08-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (DE)

I created an account with coinbase about 2 months ago. I put some money into some virtual currency, and I also verified my identity through their system. I sent them all the information they requested, and I had no problem so far. I have not tried to access the account from different places or anything. However, about a week and a half ago I tried login into my account and I kept getting an error regarding my account being disabled until I provided more information. The error reads : Dear XXXX Your account has been disabled. Please contact us at XXXXXXXXXXXX immediately and provide us with a copy of a photo ID and proof of your current address to regain access to your account. Respectfully, The Coinbase Team I tried reaching out to them by the email mentioned there, but they had an autoreply that was directing me to a different portal. I contacted there twice. Three days after I got a response saying that they are investigating the issue. It 's been 3 days more and there is still no response. I email them back and they do n't reach back to me. I have no other mean to communicate with them. It is just really inconvenient that this happens right when the price of bitcoin is high. I feel like there is no other means I can use to contact them and I am not sure what else to do.
Consumer complaint received 2017-08-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capital Accounts, LLC (FL)

Capital Accounts failed to notify me of any alleged debt with their office. The account appeared on my credit reports to my surprise. On XXXX XXXX, 2016, I authorized XXXX XXXX XXXX , XXXX to dispute the alleged debt with Capital Accounts. Capital Accounts failed to validate the debt in accordance with 15 U.S. Code 1692g.
Consumer complaint received 2022-10-27
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. (CA)

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 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 2022-10-27
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. (NJ)

This is the several times I've complained about being a victim of identity theft. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy.. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6000.00}, XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8100.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$21000.00}
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSWORLD SYSTEMS INC (CA)

There are multiple utility companies brokering utility services in Texas, that accounts have been opened in my name, which is a very common name. I have never been to Texas, I do not own any properties, nor have I done any business in Texas. I have always resided in California. The companies involved, after directly contacting them and speaking at length about these accounts that are not mine, and refuse to investigate their own systems for the information provided upon opening of the utility service in order to connect to the true owner of the accounts. They wish to have me provide additional personal data to prove it isnt me. Being that this is obviously identity theft or an outright error, I have not provided my personal information to this unverified company. The debts owed have been sold to Transworld Systems and XXXX XXXX XXXX, which also have failed to provide any information or actually proof of my ownership other than my name, which is a very common name.