davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-27
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. (LA)

See Attached Document! This account is reporting inaccurately and is in violation of my consumer rights. The following company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX  Acct # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. I have been emailed several times about payments and payment arrangements from this company. After reading 15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an 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. 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. Acct number are not the same on all 3 CRA 's and In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. Date Opened, Last Verified, Date of Last Activity, Date Reported, Account Rating not the same on all 3 CRA 's and In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. Account is charged off but still reporting a past due balance. As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate.
Consumer complaint received 2019-09-06
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: ALLY FINANCIAL INC. (VA)

I went to a car dealership to test-drive, not to buy. I told them what my budget was and that I would not purchase that day. The date was XX/XX/2019. The involved company ran several financing options and it created multiple hard inquiries on my XXXX, XXXX and other credit reports in which I did not consent to.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

The incorrect reporting of my name by trans union and XXXX credit reporting agencies has cause me alot of hurt and pain even though i have provided both agencies with copies of birth certificate, social security card, and utility bill, also my check stub, and the two agencies listed above continue to report incorrect information in my file such as. 
XXXX. Trans Union reporting ( XXXX XXXX XXXX XXXX ) which is WRONG. the correct spelling of my name is ( XXXX XXXX ) which is correctly. 
XXXX. XXXX reporting ( XXXX XXXX XXXX ) which is WRONG the correct spelling is ( XXXX XXXX ) 3. I ONLY NEED MY CORRECT ADDRESS XXXX XXXX XXXX # XXXX XXXX XXXX NV XXXX
Consumer complaint received 2022-07-27
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE (PA)

Went to XXXX XXXX to make a purchase. At the register, the salesperson said they were offering a rewards Program based on points from purchases and I would get 30 % off if I agreed to get a rewards card. So I agreed thinking it was a points purchase program. It turns out they were processing a credit card application and I never asked for a credit card nor did they ever say it was a credit card! They snookered me and I was only informed it was a credit card after all was said and done and they gave me the power work. I tried to immediately cancel it and they told me it was too late and that I now had to take up the fight with Barclays. I spent hours not eh phone and they hit my credit report. Its fraud! They deliberately mislead the consumer and fraudulently and without authority apply for cards in consumers name! This just be a crime.
Consumer complaint received 2021-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (GA)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2023-03-27
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. (AZ)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX/2022 XXXX2022 XXXX XXXX XXXX2022 XXXXXXXX XXXX/2022 XXXX XXXX XXXX XXXX/XXXX/2022
Consumer complaint received 2018-11-27
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. (FL)

Equifax was unable to help me with my concern so I decided to get in touch with you.. The accounts are not mine and shouldn't be reported on my credit file. They simply provide me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB in order that you remove the following accounts XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ,
Consumer complaint received 2021-07-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weinstein, Karp & Associates, Inc. (NV)

this company weinstein & karp are attempting to collect on a debt, that i do not feel is mine. i am requesting a validation of this debt. i am on ssi and therefore my income is federally protected.
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAINE & WEINER COMPANY, INC. (NJ)

I have XXXX. I live in New Jersey I also have XXXX A, B. All my bills are covered it is illegal in nj to balance bill a XXXX recipient I explained this numerous times over the years to the biller. They have my insurance information. They removed the bill from my experience then added it to my transition file.!
Consumer complaint received 2018-05-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I purchased a money order from XXXX on XX/XX/XXXX, 1 for {$650.00} and another for XXXX. I decided to not use the money orders and wanted the cash back I asked XXXX could I return them and was told I can't return them, I contacted a check cashing place and asked could I cash them there and I was told no, I have to deposit them in my account. I deposited the money orders in my account on XX/XX/XXXX. Bank of America claims that they couldn't read the {$650.00} money order and that XXXX XXXX wouldn't release the funds on the money order so they are returning it to me and recommended that I get it reissued from XXXX. XXXX said they can't reissue it. The XXXX money order they are holding until XX/XX/XXXX and could possibly decide to return that as well. If you can't get the funds from XXXX XXXX for XXXX how can you get the funds for the XXXX money order. It is just a lie, I contacted XXXX XXXX and they said that they have the funds and it is available to release to the bank. However they can't wire transfer it me directly. They wire money all over the world but can't send me my money. I paid cash for the money orders and I have my receipt. XXXX XXXXXXXX said they could cancel the money orders and charge me a fee, another fee to reissue a check, and another fee to mail it to me or overnight it. I told Bank of America I better not charge me any fees because of this. I wake up this morning to a returned item fee, I called them and demanded a refund, the rep I spoke to asked me, " Are you experiencing a life change that would prevent the funds from being available. '' what in the world does that have to do with my fee? She ultimately said she couldn't return the fee. What happened to customer service and helping the customer? XXXX XXXX asks me did I white out, scratch or damaged the information on the money order, I said absolutely not. So now I am being accused of fraud and manipulation. How can this be possible? How did I become the criminal here, if anything I am the victim of lies and being mistreated as a paying customer by using all of these businesses for a service. This situation is a complete nightmare. I have been nothing but stressed out mentally, physically and financially from this ordeal and I see no sign of a resolution from any of these companies. I can't just take a XXXX loss.
Consumer complaint received 2018-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (DE)

I have had a flawless and good relationship for many years with Citi Bank. On XX/XX/2018, I called their office and asked XXXX of South Dakota to remove the annual fee of {$95.00} which appeared on my most recent billing statement. He said he was not able to do this. I said I had other credit cards that dont charge an annual fee. He then said he would have to close the account in order to remove the fee. I agreed we would end our business relationship now by him crediting the {$95.00} fee back, and closing the account. I agreed to pay the remaining balance in full during the telephone call. XXXX said if I pay only the balance minus the fee, the {$95.00} would remain on my account and accrue finance charges and late fees until the credit post in two months. It did not take Citi Bank two months to post the fee. This is clearly a UDAP ( Unfair Deceptive or Abusive acts or practices ) violation. Citi Bank is trying to force me to pay the fee and lose my Billing Error Rights to dispute it if the credit does not post in two months, or leave the {$95.00} unpaid for two months while it accrues late fees and finance charges. I thought I could do honest business with Citi Bank, but I learned that they intend to have either the {$95.00} or fees that accrue against it.
Consumer complaint received 2022-07-27
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. (NC)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXXXXXX Balance : {$8000.00} XXXX XXXX Balance : {$3200.00} XXXX OF XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-03-27
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/2022
Consumer complaint received 2022-07-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc. (CA)

For the last 60 days Ive tried to contact the XXXX company Grain Technology through their support system that generates a automated email with no response, and by calling their listed phone number online. 

I have not received a response. 

My bank account is showing failure to connect in order to process a payment. 

When I attempt to change the bank account to a different one Im promoted to Contact Us which leads me back to the email support system with no response. 

If I attempt to make a one time payment through their email support system the same problem occurs again. 

This XXXX will inevitably report delinquent information to the credit bureaus and I have no control over stopping it because I can not get in contact with them. 

Please provide assistance.
Consumer complaint received 2023-03-27
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-05-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG FINANCIAL CORPORATION (CA)

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.I have made a report with the FTC identify theft. Enclosed is a copy of the report. 
XXXX XXXX XXXX Amount of {$3500.00} -- Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2021-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CMRE Financial Services, Inc. (OH)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2022-07-14
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX OF Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX - XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX Inquiry date XX/XX/XXXX, XXXX Inquiry date XX/XX/XXXX, XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX  Inquiry date XX/XX/XXXX, XXXX XXXX XXXX Inquiry date XX/XX/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
Consumer complaint received 2019-09-06
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. (OH)

I have sent in my ftc report I have sent in I have five disputes and Equifax will tell me that results are completed and that the information has been DELETED!! I have still ever time checked and the information that is NOT MINE AND PROOF HAS BEEN GIVING THAT IT IS NOT MINE IS STILL SHOWING ON MY CREDIT REPORT AND I AM NOT HAPPY ABOUT THIS COMPANY WHOM KEEP VIOLATING MY RIGHTS I WANT THESE FALSE ADDRESSES DELETED NOW XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Only address that is min is the one on my eleteric bill I just summited as proof on this form
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

in my credit report appear several companies that never I was soliciting o take a credit from there, somebody using my information to get those credits. all these charges is damaging my credit report * 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 I called all this companies but they said don't have any account or purchase with my name or itin number, this charges only appear in experian credit report, but they said can't access to those accounts
Consumer complaint received 2022-07-27
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. (MI)

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$1300.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$6000.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX BANK XXXX XXXX ) XXXX Balance : {$770.00} ; XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX CT XXXX, MI XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022
Consumer complaint received 2022-07-27
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. (MI)

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$1300.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$6000.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  BANK XXXX XXXX  ) XXXX Balance : {$770.00} ; XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX CT XXXX, MI XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022
Consumer complaint received 2019-09-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: First Reliance Holdings LLC (SC)

My paycheck is automatically deposited on the XXXX at XXXX. Had been for years. The bank purposely ran debits at XXXX, overdrawing my account, hit me with multiple OD fees, THEN deposited my paycheck. 
When discussed with the manager, she said I dont care so I closed the account. 
Do not bank with First Reliance!! 
Regardless, This needs to be deleted from my credit reports because it is from XX/XX/2010!!!! Nine years ago! And is a violation of the FCRA. 
Thank you
Consumer complaint received 2022-07-27
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: Experian Information Solutions Inc. (NC)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX  XXXX Balance : {$8000.00} XXXX XXXX Balance : {$3200.00} XXXX OF XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2019-09-06
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: General Motors Financial Company, Inc. (VA)

I went to a car dealership to test-drive, not to buy. I told them what my budget was and that I would not purchase that day. The date was XX/XX/2019. The involved company ran several financing options and it created multiple hard inquiries on my XXXX, XXXX and other credit reports in which I did not consent to.