davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-04
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. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.
Consumer complaint received 2020-12-17
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

I have 30 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2020-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TD BANK US HOLDING COMPANY (MN)

I have been listed as an authorized user on an account. This account is not being reported onXX/XX/XXXX or XX/XX/XXXX, onlyXX/XX/XXXX This account should be reported. 

TD Bank USA/Target Card Account number : XXXX XX/XX/2014 ( 6 yrs, 6 mos ) CONTACT INFO : TD BANK USA/TARGET C XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX USA
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have the right to make sure my private information isn't shared which is back by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has affirmative and continuing obligation to respect the privacy of its customers and to those customer 's nonpublic persona information. 
( Type of Business Date of inquiry Credit Bureau ) XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion is a financial institution by definition under that title.

1681 section 604 ( a ) section 2 states that " In general subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates.

The financial institution and the consumer Transunion do not have my consent to furnish this information and the surely do not have my written consent. Any and all consent Transunion whether it be non-verbal, verbal, written, implied or otherwise revoked.

15 USC 6801 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliate third party unless- the consumer ( me ) is given an explanation of how the consumer can exercise that nondisclosed option. They never informed me of my rights to exercise that nondisclosures option.

Every consumer reporting agency shall maintain reasonable procedures ' designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. Transunion are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to Opt-out at any time.

" I am opting out of your reporting services '' According to the Fair Credit Reporting ACT 1681 section 602 ( a ) states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumer right to privacy. Transunion are consumer reporting agencies and I am the consumer. 

Along with fair and accurate reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A.
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: Bridgecrest Acceptance Corporation (NY)

This creditor has violated my rights under 15 USC 1681 section 602 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 under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
Consumer complaint received 2023-07-27
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. (NY)

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. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (TN)

I am a victim of identity theft. I had not checked my credit report in years, however I recently obtained a copy of my credit report and found several accounts that had been opened in my name without my knowledge, authorization or approval. I have never had XXXX nor have I ever given authorization for any third party to open a XXXX account in my name. Whatever services XXXX previously opened in my name was a direct result of identity theft. I did now open or use this account.
Consumer complaint received 2020-12-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: USCB, Inc. (CA)

USCB America is attempting to collect a debt owed to XXXX XXXX. 

I settled the debt directly with XXXX XXXX on XX/XX/2020 for {$120.00}. However, USCB America claims that the debt has not peen paid and is attempting to collect for an increased amount of {$220.00}. 

They have attempted to collect this already-paid debt by mail and by phone. The latest phone call was on XX/XX/2020. 

Please see attached XXXX XXXX receipt.
Consumer complaint received 2021-11-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Webcollex, LLC (FL)

I have been receiving multiple phone calls a day on my personal number. The representative has been asking from personal information that I refuse to give. I don't owe any collection debt that I am aware of. I pay all my bills on time. The representative was rude and threatening. I have never received any correspondence in the mail regarding a debt. They are now calling from different numbers. This is in reference to cks Financial which I have never heard of.
Consumer complaint received 2020-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (FL)

I purchased a grill on XX/XX/2020 from XXXX, when I purchased it, the return policy stated that I have 30 days to return. The grill is broken and can not be used and I tried to return it within the 30 days and they said they are not accepting returns. I disputed the charge Witt suntrust because that is false advertising and misleading and lying to people so they buy stuff. Suntrust said there was no errors in that transaction and that it is valid. How did they come to that conclusion? Was my original dispute with them even read? Suntrust failed to investigate my claim.
Consumer complaint received 2018-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (DC)

There was inquires from TD Auto Finance on XX/XX/2017 on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help
Consumer complaint received 2019-04-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Solutions Specialist, Inc. (TX)

I have an account on my credit from RSSI # XXXX in the amount of {$95.00} This account do not belong to me. I would like the company to provide documentation including a signed contract with my signature validating that this account belongs to me. If they are unable to provide documentation I want this removed from my credit immediately.
Consumer complaint received 2018-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (DC)

There was inquires from Chase Card on XX/XX/2018 on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help
Consumer complaint received 2019-04-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: XOOM CORPORATION ()

I am a XXXX XXXX XXXX  in XXXXl ( XXXX  XXXX University ) and I opened an account in the XXXX  XXXX XXXX to attend emergencies and some purchases when I am in the USA. That's why I did not check this account often. When I went to make a payment there were no funds for the value being that I had funds. That's when I checked the account and found several attempts to fraudulently send my account amounts to an person in XXXX ( from a region known to be a source of illegal immigrants to the US ) by company Xoom.com. In the last two attempts the Bank did not make the reversal and so far I am struggling to prove that I did not even know the Xoom.com company and never had a registration. I already registered occurrence in the police of XXXX, USA and FBI. What else can I do to prove that I was the victim of an internet fraud?
Consumer complaint received 2023-04-04
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 have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and am including it again. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$10000.00} ; XXXX XXXX XXXXXXXX XXXX Balance {$1400.00} ; XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX
Consumer complaint received 2019-04-27
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: Credit Karma (FL)

I attempted to Register with Credit Karma via Their website. I utilized and provide all of my personal information, including my SSN and other key identifiable information to create an account only to be told that there was an existing account based upon my personal information with an email which was obviously not mine. 

I searched for a service number as I expected Fraud but realized that they do not accept calls which left me with only the option of creating a ticket of the issue of which I have not received any response as of yet via my email. 

I suspect Identify theft as I have never utilized Credit Karma in the past. I am also a bit disappointed that there was no emergency or customer service Numbers available. This service came highly recommended to me and I wish to clear up the fact that my information is being used by another party which is not me. 

I am having the same issues with my identity and credit repair services with XXXX, XXXX and XXXX. Inaccurate data as well as blocked access to creating an account in the case of XXXX when I never blocked my credit from being seen publicly. 

XXXX has been the most accommodating with issuing a Credit Security feature which means My cell has to be called for any new Credit or any such applications, whereas XXXX has passed me off to what seems to be Overseas customer service operatives from the XXXX and XXXX. 

XXXX seems to be an non existent entity although I attempted online, through their site to Dispute but was locked out after my second and third attempts. 

XXXX
Consumer complaint received 2018-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (VA)

I have tried to get my free annual credit report from Equifax on XX/XX/2018 which is more than one year from the last report. I have tried using every web browser but I can not get this report, I am told that I would have to mail a substantial number of documents to them rather than receive the free report available online from the other report agencies.
Consumer complaint received 2023-07-27
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. (MI)

I am receiving calls from home loan companies when I did not apply for a home loan. The companies that called me said there was a hard inquiry with trans union whenI did not apply for a home loan.
Consumer complaint received 2021-11-05
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: World Acceptance Corporation (TX)

I don't know you and never heard of you until it appeared on my credit report.Be advised that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.

Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable.

Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. 

Thank you
Consumer complaint received 2023-04-04
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. (TX)

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 XXXX These accounts listed 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 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The XXXX XXXX XXXX XXXX account is reporting past due to the consumer reporting agencies but per 15 U.S. Code 1666b ( a ) : 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.

and per 15 U.S. Code 1681s2 ( 7 ) ( A ) ( i ) : If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. 
XXXX XXXX XXXX XXXX failed to mail me a periodic statement and failed to notify me in writing of the furnishment of negative information to my home address that is located on my credit reports and on the billing statements provided. The statements provided are also from the month of XX/XX/2XXXX  ; indicating my home address was the same.
Consumer complaint received 2023-07-21
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: Fidelity National Information Services, Inc. (FNIS) (CA)

I'M A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " 2ND '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.
Consumer complaint received 2019-04-27
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Commercial Recovery Systems (GA)

On XX/XX/XXXX I received a voicemail from a XXXX XXXX, stating that she was from the local Process Server Office and that I will be getting served a subpoena to appear before a Judge to answer charges for a debt Collection. She said that I needed to call the attorneys office at XXXX and speak to a paralegal about settling the debt. She gave me a case number. I called and it ends up being CRS and XXXX our if Texas. I asked the guy if they were a law firm. He said no, they are a debt collection agency. He said that I needed to pay {$390.00} for money I apparently owe to XXXX XXXX XXXX from XX/XX/XXXX. I knew I owed them money for an account that had overdraft penalties but didnt realize it was that much. He said if I dont set up a payment plan, they will sue me in court and will add on charges of defrauding a bank ( which I clearly did not do ). He pretty much intimidated me into trying to make a payment arrangement. 

I looked into them online and found out that they have had numerous complaints about this tactic and they arent a legit law firm.
Consumer complaint received 2023-04-04
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. (CA)

Although this account was closed in XXXX, the information being account delinquent is still showing on our credit reports. Per HJR 192 all Public and Private debts no longer exist and Privacy Act of 1974. We want XXXX XXXX  Home Mortgage to completely remove this from our credit reports ASAP. This account is closed and paid and need the negative information removed.