davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-30
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A. (AL)

XXXX had my truck repossessed and Ive had my truck for XXXX. My debt was taken care of in bankruptcy court back in XXXX. Now its XXXX and they say I owe on my vehicle they have a lein from the creditor from XXXX. I informed thats not possible especially when my bankruptcy cleared after XXXX yrs and any debts were passed statue of limitations and were considered time barred debts and in after XXXX yrs these debts cant be collected on nor any collateral be seized if that was the case. I have not received any information concerning any debt that is owed : no paperwork has been presented to me at any time stating that I ever owed any debt in the past XXXX yrs nor will they give me any details of what I owe. This is illegal and they came onto my private property without notice. I have no collections or any negative items on my credit for any negative items. Need assistance getting my vehicle back immediately.
Consumer complaint received 2022-08-30
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # 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
Consumer complaint received 2022-08-30
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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
Consumer complaint received 2022-08-30
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. (AR)

Incorrect/ Wrong Name, Address, and Work History Personal Information NAMES REPORTED XXXX XXXX XXXX INFO XXXX XXXX ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-04-14
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. (MA)

I got an email from XXXX  saying that my credit score decreased. I judt have a feeling that someone is trying to apply with my social security number to get credit cards. I want to desput recent inquiries since I didnt apply for those
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NJ)

This is the third time this have happen and I need it to stop. 

I demand the deletion of all personally identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : First Middle & Last Name XXXX. My Current Mailing Address Any and all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with my current address. 

Delete any and all other phone numbers listed. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section Thanks in Advance
Consumer complaint received 2021-08-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received two text notifications from XXXX ( XXXX ) XXXX that I sent a person I don't know - XXXX XXXX - {$3500.00} and another {$500.00} to " Total wirless '' using XXXX. I neither initiated or approved either transfer. I immediately started receiving calls that came in from " Bank of America '' and after about 10 minutes felt like the person with whom I was speaking was trying to walk me through steps to ultimately give him access to my account. I hung up. He called back repeatedly. I am now on hold with BofA waiting to speak to an associate. The first person with who I spoke said the person who previously called did not sound like a BofA representative. While I have been on hold I have received multiple texts welcoming me to XXXX XXXX. I don't have a XXXX account and this is clearly some type of breach related directly to XXXX.
Consumer complaint received 2022-02-24
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)

I XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS IMMEDIATELY!!!
Consumer complaint received 2022-08-30
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. (CA)

This is XXXX XXXX, and I am submitting this to inform you that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The Experian Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The XXXX Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible. 
XXXX XXXX XXXX XXXX NA XX/XX/2022
Consumer complaint received 2022-08-30
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have submitted the same complaints for several times already but still these items are visible on my credit report. I have no idea what is going on over there at the CFPB. I was a victim of fierce wrongdoing. I'm not accountable for these accounts. I have no knowledge of it, no legal obligation for it, and no information as to its origin. I did not receive any money, goods, or services as a result of the identity theft. These accounts do not belong to me. I never applied to these companies. Plus, the continuous activity is weird. I believe someone stole my identity and opened these accounts without my permission or authority. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts. I have included here my FTC report. I'm truly confused by the bureaus antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX NY XXXX, XXXX CARD XXXX Balance : {$4800.00} Date Opened : XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$7300.00}
Consumer complaint received 2022-02-24
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. (MD)

I am XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I'm filing this complaint because it's been over 35 days and you are still reporting these items without permission and that is fraud.
Consumer complaint received 2023-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (ME)

I signed up for an AmEx card under the Resy offer ( code POID K21X:8948 on the terms and conditions I printed at time of signup ) for XXXX points after the first {$6000.00} in purchases and 10x points on restaurants.

I spent {$6000.00} in the first month and expected the benefit to post. When I checked, only XXXX points had posted and I got the normal allocation for restaurants. 

At that point, I reached out to customer support and explained the mixup. The agent said they would get it straightened out.

Fast forward another month, and it still wasn't right so I reached out to follow up. That agent told me it had been reviewed and denied because I was given the " prevailing offer. '' I explained while that may be the current shelf rate that it wasn't what I had signed up for, and provided the documentation I had received. I asked how I would have known they applied the wrong offer before the statement and they said I would have seen it at signup. I explained I did have those confirmation screens and that they all showed the XXXX rate. The agent then put in another review ticket. This has since been denied again. 

I don't understand how a company as large as American Express can pull a bait and switch like this. The burden of proof shouldn't be on me as the consumer, and if it is, the documentation I've provided should be sufficient. 

I feel like this is false advertising and I would have paid them {$690.00} had I known they wouldn't honor their terms. I would have gone with the XXXX XXXX or XXXX XXXX instead, who had competitive offers at lower annual rates. This bait and switch unduly influenced me to pay more to AmEx and I think that's morally wrong.
Consumer complaint received 2023-03-29
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: Designed Receivable Solutions, Inc. (CA)

I as a consumer have the right to privacy and Designed Receivable Solution has violated my right to privacy by furnishing private credit information under my name, without my written consent, or without authorization by a competent court, having jurisdiction
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Hello, I reviewed my credit profile and saw two accounts that are reporting on my account incorrectly. This account is being illegally reported on my credit report. I formally disputed it directly with XXXX XXXX XXXX in regards to their illegal reporting, and have not received any satisfactory reply. 

Therefore, I am now formally disputing directly with you. Furthermore, if at any time during your investigation the above account is verified by XXXX XXXX XXXX  I am requesting your method of verification pursuant to the FCRA XXXX including the name of the person with whom you spoke, who has firsthand knowledge of the account in question. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue reporting My gap insurance covered this expense in FULL!
Consumer complaint received 2022-08-30
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have submitted the same complaints for several times already but still these items are visible on my credit report. I have no idea what is going on over there at the CFPB. I was a victim of fierce wrongdoing. I'm not accountable for these accounts. I have no knowledge of it, no legal obligation for it, and no information as to its origin. I did not receive any money, goods, or services as a result of the identity theft. These accounts do not belong to me. I never applied to these companies. Plus, the continuous activity is weird. I believe someone stole my identity and opened these accounts without my permission or authority. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts. I have included here my FTC report. I'm truly confused by the bureaus antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. 


XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$6100.00}, XXXX XXXX XXXX Balance : {$3600.00}, XXXX CARD XXXX Balance : {$4800.00} Date Opened : XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$7300.00}
Consumer complaint received 2022-08-30
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I reached out to CapitalOne last week to see why they haven't reported an account that I'm a co-owner/ authorized manager of. When I called them and opted in they told me I have two accounts with them. I informed them that the only account that I had was a shared account with my husband. The lady I spoke with tried to verify the information with me and asked me my email address. When I gave her mine she told me the the email address attached to this account and other information was different and was something I NEVER heard of. From there she prompted me to talk to the Fraud department which I did and they said they would investigate it. However, after being informed of this fraudulent account, Capital One Claims, they conducted a full research and found no fraud in under 7 days time. They also gave me a " case number '' XXXX. However this is clearly another case of Identity Theft. They have NOT sent me any information to me regarding this account even after I requested. However from calling the XXXX number I find out they have sold this Fraudulent account to XXXX XXXX  while it was still in dispute status. I am documenting this complaint as a record both to Capital One Bank and XXXX XXXX that they are trying to collect on an account that is COMPLETLY FRAUDULENT. I notified authorities on XX/XX/2021 that I was a Victim of Identity theft and since then have frozen my credit and enrolled identity theft precautions with each bureau. I have also submitted this to the FTC and refuse to be charged for goods and services I've never requested nor benefited from. The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. As of right now neither Capital One nor XXXX have sent me any information regarding this Fraud account. The FCRA has rules regarding identity theft and Both companies are operating against the law.
Consumer complaint received 2022-02-24
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. (MI)

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX account number : XXXX XXXX XXXX XXXX XXXX account number : XXXX US Department of EDU XXXX account XXXX XXXX XXXX  account number : XXXX XXXX  has failed to send verifiable proof to me that its balance is accurate. It has not been proved that the vehicle was neither leased to another party nor sold at a specific dollar amount. Credit Bureaus have not yet deleted this inaccurate information as requested twice. 

15 U.S.C. 1681 section 602 A states that I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2 states that a consumer reporting agency can not furnish an account without written instructions.
Consumer complaint received 2022-02-24
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. (MI)

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX XXXX XXXX account number : XXXX XXXX  account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX account number : XXXXXXXX XXXX XXXX account # XXXX XXXX  has not sent a verification that the balance is accurate and that the automobile has not been leased or of the sale price to another party.

15 U.S.C 1681 section 602 A. states that I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2 states that a consumer reporting agency can not furnish an account without written instructions.
Consumer complaint received 2017-08-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

Paypal took {$5000.00} from my available balance in my business account and set it aside as a " reserve '' fund. They said this was done because my business is new and it would alleviate the risk of potential customer charge backs. They said this money would be held for 90 days and would be released on XX/XX/XXXX. I have reached out on 4 different occasions after XX/XX/XXXX to try to have my money released and no one at any department on their customer service line can help me reach a resolution. The reps always tell me that they will submit a request to the back office to have the funds released and I will get them back in 24-48 hours or I will receiver an email explain why my request was denied. I have not received any emails regarding my issue and the money is still being held. I can not reach anyone at the company to escalate my issue.
Consumer complaint received 2015-09-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX foreclosed on our house XXXX XXXX. First delinquency was XXXX XXXX. It 's been almost eight years since then. All XXXX credit reporting agencies refuse to delete the item from our credit report despite many disputes over the years. Most recently TransUnion reports that the date of " last activity '' is correct even though we repeatedly requested they investigate the date of XXXX delinquency. They also say the account goes off record seven years after last activity XXXX. That is not correct. XXXX is unreachable. It bankrupted in XXXX and the phone numberTransUnion gives us does not provide any way to access anyone. Account should have been deleted XXXX XXXX which would have been seven years after the first delinquency of XXXX XXXX. ( see attached payment schedule ) In XXXX XXXX we got letters from XXXX XXXX noting default and XXXX XXXX we got a threatening letter of default. We tried to work things out but XXXX and later XXXX ( who took transfer from from XXXX in XXXX XXXX ) was uncooperative and we lost the house to foreclosure in XXXX. Although XXXX made us given them money during XXXX and some money in XXXX in order to " prevent '' foreclosure, we were always way behind and the whole delinquency process started in XXXX XXXX. I am attaching a credit report from TransUnion dated XXXX XXXX XXXX in which they list the XXXX late payments made in XXXX XXXX and XXXX, XXXX, XXXX XXXX. I am also attaching a follow up credit report dated XXXX XXXX in which they suddenly make the XXXX and XXXX delinquencies " disappear '' and use the XXXX delinquency as our seven year date. I am also attaching paperwork that proves our payment history as well as XXXX and XXXX sending us default notices in XXXX and XXXX of XXXX. I am also attaching a copy of the paperwork I most recently filed with Transunion disputing this issue