davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-16
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 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 2017-06-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R.M. Galicia, Inc. (CA)

Progressive Management  is trying to collect a medical debt not owed. I contacted the orignal creditor :  XXXX   XXXX   XXXX   XXXX   XXXX  about the debt. I spoke to  XXXX  at the  XXXX   XXXX  billing department on  X/XX/2017    at  XXXX    XXXX    pacific  time. She informed me that I have no outstanding balances and they never sent anything to collections. She verified my insurance and showed no issues from around the dat e of Progressive 's  reporting. I then called Progressive on   XXXX   at  XXXX   XXXX   pacific time a nd got a woman named  XXXX  who only gave me her name after I told her what the original creditor said so her real name could be something else, because I told her I would dispute because of the invalidation and she got an attitude. The original amount they are reporting is similar to another hospital in which I have never been to which is  XXXX   XXXX . I let the agent know as well as the credit bureaus know I have never been to  XXXX   XXXX  and yet no one is validating the fraud being put on my credit report. They are stating I owe over {$2000.00}. They continuously change the amounts based on whatever they decide. They are reporting  XXXX  account that the original creditor stated was never sent to them and  XXXX  that does not belong to me due to fraud and identity theft.
Consumer complaint received 2023-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX & XXXX Account XXXX XXXX XXXX  - Unauthorized Inquiry XXXX XXXX XXXX XXXX Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2022-05-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (CA)

I received a letter from Mercantile Adjustment Bureau , LLC on XX/XX/2022. I responded and mailed the form back to them within a few days as they requested the following information. 

How do you want to dispute the debt? 

I want to Dispute the Debt : A. The amount is wrong and the payoff was to be and I paid {$410.00} to XXXX XXXX XXXX to settle 2 years ago. 

Quit contacting me.
Consumer complaint received 2019-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (TX)

I was at a bar in XXXX where a gentleman offered me a free beer. They then told me a woman I was speaking to at the bar was an entertainer and I owed XXXX euros for her service, none of which was agreed to. Initially the charge came through as fraud and declined but when none of my cards were going through due to fraud a man took my passport and wallet and phone and threatened me with physical violence. If I didnt pay I would get hurt. They forged my signature. Chase initially reported it as fraud and gave me a new card then changed it to a dispute and denied the claim.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2022-05-16
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 XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXXXXXX 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 instruction.
Consumer complaint received 2021-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NJ)

I opened an account with Citi on XXXX XXXX with a {$50000.00} ACH transfer from an account I hold with XXXX XXXX XXXX. On approximately XXXX XXXX, I attempted to write a check against the Citi account. Citi did not honor the check. I was referred to their anti-fraud department, which said that my account had been blocked because they had been " unable to verify '' my original {$50000.00} deposit. However, that deposit had been made more than three months ago, Citi has been holding my money the entire time, and Citi has never notified me of any problem.
Consumer complaint received 2021-10-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Started receiving phone calls about a month ago ( XX/XX/XXXX ) for an account that was closed in XXXX under my name. Company didnt have my real address until I gave it to someone. They sent me copies of charges I confirmed it was not me and then they sent me a letter proving the accounts validity now that they have my actual address. I just want this fixed.
Consumer complaint received 2021-04-19
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)

I AM A VICTOM OF AN IDENTITY THEFT, AND I HAVE REACHED OUT TO THE CREDITOR NUMEROUS TIMES, SPECIALLY NOW WITH THE CURRENT COVID 19 SITUATION ITS VERY HARD TO REACH ANYBODY. BUT BOTH ACCOUNTS HAVE BEEN OPENED FRAUDULENTLY AND THEY DON'T BELONG TO ME.
Consumer complaint received 2022-05-18
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)

Despite submitting multiple written requests with complete attachments of my personal information and credit reports, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the XXXX and Transunion 's end. This is my 5th attempt to request all documents to be provided and issued to me. Not fulfillingmy request should result in immediate removal of the unauthorized inquiry listed below : XXXX Card Date of Inquiry XXXX, XXXX Inquiry Date XXXX
Consumer complaint received 2022-05-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

I have a personal account in PayPal from XXXX I deal with it on a daily basis until XXXX PayPal upgraded my account to Premium I have an account manager and follow up on my account periodically UntiXXXX XXXX  month XXXX My PayPal closed my account and it was XXXX XXXX dollars I contacted them a lot to understand the issue and explained the reason to me, but they did not give me any clear information and they told me that I should go to any other bank to deal with it And they told me that the money will be withdrawn to my bank account 180 days after closing the account 170 days have passed and then all my balance was deducted and the money was transferred to the benefit of Paypal Without any right, they take your money I called them a lot but they don't get any response or response unfortunately
Consumer complaint received 2022-05-16
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. (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. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 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 2024-02-15
Product: Credit reporting 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)

I am refiling my complaint with EXPERIAN through this complaint. I previously submitted a letter addressing discrepancies in my credit report, including inaccuracies related to the date of last activity, date opened, date reported, payment status, charges, and more. Despite my efforts to bring attention to these issues, EXPERIAN maintains that there are no errors in my report. However, it is crucial to emphasize that this account is fraudulent due to illegal and unauthorized charges. 
The investigation period has extended beyond 30 days, during which EXPERIAN claimed to conduct a thorough examination. Unfortunately, upon reviewing my credit report, I have not observed any corrections. The inaccurate information persists without any apparent rectification. I feel that my rights have been repeatedly violated, particularly as outlined in 15 U.S.C 1681 section 602 A, which underscores my right to privacy. Additionally, 15 U.S.C 1681 section 604 A Section 2 explicitly states that a consumer reporting agency can not furnish an account without my written instruction. 
I am reaching out once more in the hope that EXPERIAN can promptly address and rectify these issues. Accurate reporting is crucial, and I trust that EXPERIAN will uphold its commitment to maintaining the integrity of the credit information it provides.
Consumer complaint received 2022-10-12
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: Experian Information Solutions Inc. (SC)

I am making another report towards Experian, XXXX, and XXXX in reference to XXXX XXXX BANK account number ending in XXXX. I am a natural living person writing this account!! I have been making multiple disputes because these credit bureaus have been violating my rights and preventing me from getting a mortgage to have a better living situation. 
This account was sent to collections without my knowledge which is completely unfair and discredits my character in making on time payments. 
This account has been reported inaccurately as closed on one credit report and still open on two credit reports, I have disputed this inaccuracy multiple times and none of the bureaus investigated properly to fix this which AGAIN violates my rights under the Fair Credit Reporting Act. 
The Federal law 15 U.S. Code Subchapter III CREDIT REPORTING AGENCIES 1681i - Procedure in case of disputed accuracy states 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


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 the information is inaccurate
Consumer complaint received 2021-10-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I am XXXX XXXX XXXX and XXXX  with on where to go due to COVID 19. My business took a beating, I had to lay off all my employees and encountered a death among my staff. My business suffered very badly. I lost everything even my home. I am living at the extended stay here in XXXX XXXX MO. I went and found a small 2 bedroom house that needed a little work done to it, but didn't have enough money to close the deal. My closing is today XX/XX/2021 at XXXX. Since I did not have enough money to close, my family sent me the money to do so. They sent it through XXXX money app. so I can have a roof over my head and prevent me from not having anywhere to go. The bills here at the expended stay are more than what I can afford. I transferred all money from the XXXX app to the Bank Of America savings account which was {$1300.00} dollars and I put another {$560.00} with another {$100.00} dollars cash into the account to bring the amount upto {$2000.00}. This is what I needed to close my new home. I was scheduled to close today. Yesterday I got an alert from BOA stating my account had falling to {$25.00} dollars the day before my closing. When I called to see what had happened, I was told BOA had taken the money out to put towards another account that's overdrawn at the bank. The money was taken without my permission or consent. I don't have a place to live and now I don't even have enough money to pay the extended stay. I need the money back so I can close on the house ASAP.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MO)

Experian has flagged my account saying I'm a minor. I'm XXXX XXXX XXXX is XX/XX/2001 I've tried contacting Experian but the website won't let me create an account or talk to customer service. i need this fixed ASAP so i can move into a home.
Consumer complaint received 2022-05-16
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. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 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 2022-05-16
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. (CT)

I went to purchase a car but there were too many hard inquiries. 

BANK XXXX XXXX, XXXX, XXXX BANK, XXXX CARD, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-15
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. (IN)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my right.

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

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
Consumer complaint received 2017-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: SUNTRUST BANKS, INC. (GA)

This XXXX on Thursday, XXXX XXXX 2017, I asked XXXX XXXX XXXX for my check cash which was a little over {$5.00} & she told me that she could not cash my check cuz I had XXXX cents balance on my checking account. Then she showed me that the check was from different Bank company, not Suntrust Bank. I told her so. I had checks cashed several times with small amount of balances on my checking account before. What is more, I will have direct deposit on every 3rd of each month. Also, I informed her that I was XXXX. She would not write to communicate with me being XXXX I even begged her PLEASE write me. That was 3 times to tell her please write on my writing note in nice way. She refused to write to communicate with me being XXXX That is against ADA law to refuse accommodating by writing on paper & pen to XXXX XXXX XXXX customers. She broke ADA laws by refusing to XXXX XXXX XXXX on paper & pen with me being XXXX
Consumer complaint received 2021-07-22
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. (FL)

I am a XXXX XXXX XXXX man/ XXXX XXXX survivor that has been taken advantage of in the past couple years I'm finding. Someone has falsely filed unemployment in my name and now I'm also finding that I have a bankruptcy on my credit report that I never filed and closed unsecured debt that I never authorized or opened. I have tried to settle this with the creditor but I'm not getting anywhere. I'm not sure what else today to have this inaccurate information corrected on my credit report.
Consumer complaint received 2022-12-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION (FL)

I purchased a new XXXX XXXX XXXX XXXX in XXXX of XXXX. It took a bit longer in paying off the vehicle. The principle was Satisfied XXXX of XXXX with Regional Acceptance Corporation the finance company. XXXX XXXX hurricane Ian happened the car was destroyed. I've been trying to get them to wave the excess fees because the principle is paid. They are ruining my credit predatory with this loan. I even asked to eork a deal out or settlement. They aren't willing, to comply. I lost everything including all my other possessions my home. I've asked for my principle satisfaction and they won't provide it to me. XXXX has never given any money for the vehicle. Insurance nothing. I've shown proof of loss yet they aren't willing to comply or settle with me.
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 The XXXX, XXXX and Transunion did not provide proof or verify that this account is mine. I sent in letters 30 days ago asking that the XXXX, XXXX and Transunion verify the accounts with my signature on them and they have failed to do so. 

Below the uploaded documents also shows that the payment status and payment history for XXXX, XXXX and Transunion. Are not the same faulting in inaccuracies on my credit report for all three credit bureaus. Therefore I ask that the accounts are removed.