davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-17
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)

on. for 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 XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 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 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 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 XXXXount # XXXX Date Opened : XX/XX/XXXXXXXX XXXX Account # XXXX Date XXXX Balance : {$730.00} 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.

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 any reasons.
Consumer complaint received 2022-05-17
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: EQUIFAX, INC. (KY)

Went to XXXX XXXX XXXX XXXX and they said they was going to send to one bank but they sent to several Listed below 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
Consumer complaint received 2021-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Early Warning Services, LLC (CA)

After almost ONE MONTH THE RELEASE LETTERS FROM EARLY WARNING WERE ISSUED, I finally received them in my po box . The letters that provide information of my accounts and of the banks that reported my accounts to Early Warning were written FRAUDULENTLY. 1.-THE NAME OF THE BANKS ARE NOT THE LEGAL NAMES AND HAVE ABBREVIATIONS. 2.- THE ABA OR ROUTING NUMBERS OF THE ESTATES WERE OPEN THE ACCOUNTS WERE FRAUDULENT ALSO. 3.- THE ACCOUNT NUMBERS WERE ENCRYPTED NUMBERS, MAKING THIS AN ILLEGAL ANSWER BECAUSE THEY CAN BE USED IN A FRAUDULENT WAY.
Consumer complaint received 2022-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-10-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (VA)

My paypal prepaid account was closed XX/XX/2021. The balance on my account at that time was XXXX. I tried to communicate with the company in every way i could find. I was given either no information, or incorrect information. These attempts to correct the issue, on my part number close to fifty. after over a month of having no access to my funds i was finally able to recover slightly over XXXX XXXXXXXX XXXX. There is a remaining balance of XXXX that was not returned to me ... after many more attempts to have my funds returned. All of which i was lied to, and made to provide documents and letters. ive done everything i was told. This company has kept my funds.
Consumer complaint received 2015-06-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I received the recorded call on a Sunday. Our credit is perfect and we do not owe anyone. I am tired of these scams calling and want them to stop. The company was Portfolio Recovery and we have never done business with them before.
Consumer complaint received 2022-05-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (TX)

Hello, i was a long time loyal customer to Wells Fargo. Last XXXX of 2021, they closed both my checking and savings account with money in them. I have reached out on several occasions and have NOT received my money. This has caused a huge financial distress.
Consumer complaint received 2022-05-17
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. (KY)

Went to XXXX XXXX XXXX XXXX and they said they was going to send to one bank but they sent to several Listed below 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 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. 

I have dispute numerous times/ asked for validation/ same generic response i get from Transunion
Consumer complaint received 2022-10-13
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)

When I investigated my credit report, I realized that some of the accounts 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 items 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 Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXXXXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-05-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DOUGLAS, KNIGHT & ASSOCIATES, INC. (IN)

I was divorced buying car from ex wife. Making payments and insurance payments. I got in accident and called ex wife for insurance information. She informed me she dropped the insurance I was paying for without telling me. Got license suspended for that. Had pay few thousand. Then these XXXX Douglas knight pops up with ridiculous payment option threatening license suspension if I dont pay whole XXXX or give my check stubs so they can decide what I can pay. I said Ill send what I can. I was sending XXXX  Fell on harder times. XXXX XXXX XXXX no job. XXXX XXXX XXXX missed XXXX payments. Got out made XXXX payment that day after XXXX calls in ten minutes after I told him not to call me. Now they wont accept the XXXX dollars I have to my name. Refusing the payment I can make, and threatening my license. I need my license to work once I get my tools back. Im trying and these people are like fentanyl ferrets.
Consumer complaint received 2022-05-17
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: Upstart Holdings, Inc. (PA)

UPSTART is reporting a late payment on my credit profile. However, they made an accommodation by waiving the late fee therefore the account needs to report to the credit bureau as paid on time. The account is current. The CARES ACT states : " If your loan is considered delinquent ( past due ) when you make an agreement with your creditor, your status will continue to show as delinquent until you bring the account back into good standing. Once you bring the account current, the creditor must report your status as current to the credit bureaus. 

According to the new law, an " accommodation '' could be an agreement to make partial payment, to put a loan in forbearance, to modify a loan or to offer any other relief. '' The relief was offered once UPSTART waived my late fee on XX/XX/2022 around XXXX PM. 

In addition, my UPSTART portal shows the account as being late but not reported late to the credit bureaus. This is false, the account was in fact reported late. Attached are photos from my loan portal and XXXX. 

This is a direct violation of the CARES ACT and takes advantage of consumers ' rights during these tought economic conditions.
Consumer complaint received 2021-10-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CA)

I have contacted the mortgage servicer BSI 4 different times requesting correction, clarification and refund of late fees that were not accurate. I have been charged 3 times for payments that I know were not late beyond the per agreement date. The account has been paid off, it took BSI nearly a month to finalize the payoff and send my refund, I have not received a closing statement from them as I asked nor the refund of late fees.
Consumer complaint received 2021-10-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (TN)

Comenity/Zales has on my credit report a debt that is not owed. I purchased merchandise XX/XX/2017 and paid CASH. See attached receipt. This is the only time I've ever purchased anything from them. I have had to dispute this with many collection agencies in which they did remove it as to proof of purchase with a XXXX balance. Unfortunately, Comenity/Zaes has not removed it from my credit report which has a huge negative impact. They even show that I had been making payments and that I opened an account back in XXXX. That information is incorrect and I am being penalized for inaccurate information..
Consumer complaint received 2022-10-13
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: EQUIFAX, INC. (PA)

I am writing to dispute the following information on my consumer report regarding the inquires listed below I don't recall authorizing and I understand that you shouldn't be allowed to share any of my personal information with any creditors If I didn't authorize it. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

I notified my chime bank that I got a notification of XXXX charges made on my card however at the time the person I spoke to said that they can not do anything until the transaction goes through which is going to take 3 days after the transaction went through I called back they said they now needed to do and investigation and i would have to wait another week for them to complete it I received an email saying that they had concluded the investigation and found no fraudulent charges have been made I called chime Bank back and was told by an agent and person who claim to be a XXXX the I would have to wait 10 more days for them to send me an email that would have all their findings in it I asked to speak to the claims department and they told me I couldn't because they don't answer calls but when I was directing my questions towards the XXXX he was not able to answer one question the only thing he told me I would have all my answers in the email however upon reviewing the email it states nothing other than them saying I had transferred money at the time of the purchase meaning I was anticipating the transaction however this was completely inaccurate my overdraft feature was active and at the time there was not enough money on my account so when the purchase was made my overdraft feature activated causing my account to go into the negative but also allowing the transaction to go through upon reviewing my statements from that day I only transfered {$10.00} that day but the charges that were made was almost {$100.00} I don't know what's going on with chime bank but it's obvious chime bank refuses to accept that they are wrong didn't do their job and correct it
Consumer complaint received 2022-05-17
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: PORTFOLIO RECOVERY ASSOCIATES INC (MT)

I discovered a Portfolio Recovery account " Placed for Collection '' only after pulling my credit report. Portfolio Recovery did not abide by the rules of the Fair Debt Collections Practices Act as I never received a notification by letter, email, or phone call from Portfolio Recovery, and was denied the right to validate or dispute this account. Furthermore, Portfolio Recovery, without my knowledge, furnished this collection account to the credit reporting agencies.This is a fraudulent act by Portfolio Recovery and should be fined maximum amount of {$1000.00} per violation they have committed on my credit report. This acount needs to be deleted from My credit profile.
Consumer complaint received 2022-05-17
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. (LA)

Right now I am bothered! This is my last and final attempt to file a complaint in the XXXX BUREAUS. I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX BUREAU the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. The following accounts are listed below : XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$29000.00} ; XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2022-05-17
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: Experian Information Solutions Inc. (TN)

XXXX XXXX  deleted the date of final delinquency from my experian credit report, I assume to increase the length of time before it can be deleted. Experian now refuses to delete the account due to the XXXX  missing, and XXXX did nothing when contacted. Per screenshots from experians credit report, the one from XX/XX/XXXX is missing the XXXX, while the one from XX/XX/XXXX shows a XXXX date for deletion.
Consumer complaint received 2022-05-17
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: SYNCHRONY FINANCIAL (FL)

There appears to be several actions of fraud on my credit history report over the last couple months. The specific actions that are incorrect and fraudulent include : XX/XX/XXXX : New Inquiry SYNCB/BANANA REPUBLIC XX/XX/XXXX XXXX New Account ( opened as of XX/XX/XXXX with an initial balance of {$780.00} ) SYNCB/BANANA REPUBLIC XX/XX/XXXX : New Address Updated address to : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX : New Inquiry XXXX None of these actions were taken by myself and all are fraudulent. My credit score has since dropped by XXXX points from XXXX as of XX/XX/XXXX to XXXX as of XX/XX/XXXX.
Consumer complaint received 2022-05-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX and TransUnion are reporting old information in which according to FCRA are old account and they can be update from my credit file. I requested via fax again for the updating of the old creditor and the old account haven't been update. This is the account in which I am asking to be update from my credit file. XXXX XXXX XXXX Date Opened : XX/XX/2008 Balance : $ XXXX. I am no longer liable for this account.
Consumer complaint received 2024-04-14
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc. (DE)

I have called both companies on 4 different occasions in XXXX, and XXXX, the origional company XXXX XXXX , and the collection agency XXXX XXXX about this debt of {$6000.00}. upon providing my Name, address and social security number, i was told that my l provided information and Supporting documents such as drivers license and Social secutiry, and previously filed FTC Reports.does not match the account attached and listed on my credit files, so there is no information which could be provided to me. However, this negative item remains on my credit reports, and i am requesting this be removed.
Consumer complaint received 2022-10-27
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX  days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX  days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-04-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (TX)

Apparently, this company provided services to me in XXXX of XXXX, and I've never used this company to my knowledge. I've never received notices of a balance owed, and it states I owe {$81.00}. The letter I received is dated XX/XX/XXXX as it was just reported to the collection agency Aargon Agency. 
I looked on XXXXXXXX XXXX to figure out if the XXXX XXXX XXXX even exists, and XXXX XXXX state the company sent out fraudulent collection letters to them. 
I read that a company has XXXX  years to report the collection to a collection agency, and this is over 4 years by XXXX  months. 
I had medical insurance during this time period, and never received a letter from my insurance stating they could not cover costs. 
I suspect this is fraudulent, and left a voicemail to the collections agency stating the " statue of limitations '', for debt to be reported on my credit.