davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-18
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)

I have me several attends to remind you of your duty pursuant 15 USC 1681. It appears that youre intentionally and willing being neglectful in remedying my affairs. 15 USD 1681e ( b ) assures that I'm due, promised accuracy in my report base in federal law. I am making this call as another attempt to have these errors connected on my credit report. 15 USD 1681i ( A.5 ) says all unverified information mist be promptly removed. This infomation was update without proof of wet signtures, eoscar permission or any documentation. 


In according with the Fair Credit Responding Act the following companies has violated 15 U. S. C 1681 A. Section 602 1 : States I have the right to privacy 15 U. S. C 1681 A. Section 602 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX account XXXX Transunion account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX Transunion account XXXX XXXX XXXX XXXX XXXX account XXXX Transunion account XXXX XXXX XXXX XXXXXXXX XXXX XXXX account XXXX Transunion account XXXX XXXX account XXXX XXXX XXXXXXXX XXXX account XXXX Transunion account XXXX XXXX account XXXXXXXX XXXX XXXX XXXXXXXX XXXX Transunion account XXXX XXXX account XXXX XXXXXXXX XXXX XXXXXXXX account XXXX Transunion account XXXX XXXX account XXXX XXXX XXXX Transunion account XXXX XXXX account XXXX XXXX XXXX Transunion account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX Also the following inquiries Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (AZ)

I have already contacted ONLINE Information Services , Inc to advise them, this account they are trying to collect on was deemed as a fraudulent account with XXXX XXXX XXXX. A police and Identity theft have already been filed. This account was removed from my credit and now this company bought a debt and trying to collect on fraudulent account.
Consumer complaint received 2023-08-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BMO Bank, N.A. (CA)

-Between XX/XX/2020 and XX/XX/2020, I fell victim to a multi-layered scam operation run by XXXX XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Bank of the West account to fraudulent investment firm ( s ).
Consumer complaint received 2019-02-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: CITIBANK, N.A. (FL)

Dear Sirs, Doing our taxes we just realized this. 
On XX/XX/2018 we made a wire transfer for {$7500.00} from our Citi business account. 
On XX/XX/XXXX, we were charged again {$7500.00} and another wire went to the same person. 

Basically, Citi had some sort of system failure that charged us twice. 

When I call them, they say that the only thing they can do is issue a recall, and when we tried to reach the recipient we receive to answer. 

Please, let us know if you need al pertinent information to be able to help us.
Consumer complaint received 2022-09-06
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: JPMORGAN CHASE & CO. (CA)

In accordance with the fair credit reporting acat XXXX Account # XXXX, has violated my rights. 

15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions. 

15 USC 1666B : A creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-08-18
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. (SC)

I am a natural person and living human being. I am aware that I have consumer rights under 15 US CODE 1681 and 15 US CODE 6802. 

Equifax is governed by 15 USC 1681 and 15 USC 6802 and they have violated my rights numerous times. I demand all the accounts listed below be deleted from my consumer report because according to 15 USC 1681 and 15 USC 6802, I have the right to privacy and I did not provide Equifax written permission or instructions to furnish these accounts on my consumer report. This is not a request for verification or validation of debt. I want Equifax to do what is fair and equitable to me as a consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ***Please also see attached
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

Hello, Equifax is reporting that a payment to XXXX XXXX XXXX XXXX was late for XXXX XXXX it was not. I have the information from the other XXXX bureaus to show it is not. Equifax must update my payment history and reflect this account was never late.
Consumer complaint received 2022-08-19
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)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Open XXXX XXXX, XXXX Balance {$0.00}, and XXXX XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}. 

If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Consumer complaint received 2022-08-18
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 XXXXXXXX  Account XXXX XXXX XXXXXXXX, Account # xxxxx 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 In accordance with the Fair Credit Reporting act XXXX Account 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 2019-09-17
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Northstar Location Services, LLC (FL)

I purchased a XXXX XXXX to replace my car that was damaged in an accident. It was finance with XXXX XXXX XXXX. I had problems with the car - all four doors were covered in mold and mildew, the battery had to be replaced by me, dealer refused to replace it and wanted {$72.00} to send anyone someone to get it started for the second time in 10 days. I told the dealer and XXXX that I wouldn't pay until the car was fixed since it was supposedly guaranteed. Dealer refused to fix it, I refused to pay. Told them to take it back. They said that it would damage my credit - IT HAS - I am unable to buy another car. 
They took the car and sold it for {$16000.00}. They expect me to pay {$5500.00} for a car I no longer own and they they have recouped their money and possibly more.
Consumer complaint received 2019-02-08
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Global Credit & Collection Corporation (TX)

The company is XXXX  XXXX, and my family has been receiving calls from XXXX XXXX at ( XXXX ) XXXX. They have been harrassing my parents consistently over the last few weeks. She states in her messages that she is from XXXX XXXX, in Texas. And that I will find my self in legal trouble if I do not call back. She has also stated that they will have me located and arrested, even in my place of employment. Not once have they called me personally. They are attempting to impersonate the law and it needs to stop, it is unethical.
Consumer complaint received 2019-02-08
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. (NJ)

XXXX XXXX has reported a 30 day late payment to the 3 credit reporting agencies. It show I have a 30 day late payment for XX/XX/XXXX. I spoke with XXXX and they told me I wasnt late for XX/XX/XXXX. Can this please be corrected. I was not late for XX/XX/XXXX and XXXX XXXX has confirmed via telephone call on XX/XX/XXXX at approximately XXXX est. please remove this inaccurate information.
Consumer complaint received 2023-07-22
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. (CT)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. I demand these accounts listed below be removed. 

Account : XXXX XXXX  Account Number : XXXX Account : XXXX Account XXXX Account : XXXX  XXXX Account Number : XXXX Account : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2019-02-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Risecredit, LLC (OH)

I had setup a payment plan for 3 final payments, after that my debit card info was compromised, this happened in the 2 week of XXXX, about 2 weeks later I got a new debit card, and I received and email on XX/XX/XXXX about making my payment on the XXXX of {$7.00} ... before I could update the account they charged it off without warning. 

I even had to reset my password to even login. 

I will be calling them tomorrow XX/XX/19 and raising absolute XXXX, I will record the phone call.
Consumer complaint received 2019-02-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (GA)

I have never signed a contract or entered into a legal agreement with your company or firm. No information has been sent to me and nothing has been proven that neither the information you many have or the debt belongs to XXXX XXXX. Your company has engaged in collection activity prior to validating a debt and has not submitted any documentation to support your claim. This is to serve as your legal notice under federal law ( The Fair Debt Collection Practices Act ) to cease all  communication with me in reference to the account above. I do not have an account with your company nor have I ever has an account with any company you claim to represent. Remove this account upon receipt or I will file suite against officers of your company and your company within 5 days. 

This company has 2 different collections on my profile!
Consumer complaint received 2022-08-18
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2019-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (UT)

XXXX XXXX XXXX and XXXX XXXX are reporting the same debt on my credit file that I do not owe. This debt is also past the statute of limitation. XXXX XXXX   and XXXX XXXX are in clear violation. They can not double report the same debt on my credit file.
Consumer complaint received 2022-05-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (MT)

From XX/XX/2021 thru my current Synchrony Bank for XXXX XXXX XXXX statement there have been charges to my card. the latest was for the XXXX charge for : CARD SECURITY XXXX XXXX XXXX XXXX {$74.00} I called the number and they said I signed up for it when the facts are it is automatically checked when you apply for the XXXX XXXX XXXX I demanded they refund the full amount. They said they would in the amount of {$290.00} but would not give me a confirmation of this. I told the representative I would be filing a claim for fraud.
Consumer complaint received 2019-04-01
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: Synergetic Communication Inc (AZ)

Upon review of my credit report in XX/XX/XXXX it was brought to my attention there was several accounts that reported negatively that needed my attention. A few separate accounts were owned by separate collection agencies, one being. Synergistic Communication Inc I sent a original certified and notarized letter requesting validity on the alleged debt in XX/XX/XXXX, to Synergistic Communication Inc, and requested items be deleted per my report if validity not received in the allowed time frame. I received a response statement claiming it was a valid dispute and provided documentation, I sent a response letterXX/XX/XXXX disputing the information and bringing to the attention of the dispute personal the signature on the provided paperwork is not mine and provided reference to the chain of documentation that has been certified an notarized in correspondence to this matter to prove this claim. I requested they remove the information from my credit report and report this to all three major bureaus.
Consumer complaint received 2019-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2018, I opened a " Simple Business Checking '' account under a promotion. The promotion 's terms are attached. 

I met all the terms of eligibility. I was not on that date a current holder of a Wells Fargo Business Checking account, I did not work for Wells Fargo, and I had not received a business bonus in the prior 12 months. 

Furthermore, I met the qualifications for the bonus by : 1 ) Creating my account on XX/XX/2018. 
2 ) Funded the account with {$25.00} on XX/XX/18 3 ) Deposited {$2000.00} on XX/XX/18 4 )  Completed 8 qualifying transactions within the 60 day period. 5 of these transactions were ACH credits, one was an ACH debit, and two were mobile deposits. ( The minimum is 5 qualifying transactions ). A csv of these transactions is attached.

5 ) The balance in my account on day 60 was {$2900.00}, well in excess of the {$2000.00} requirement. 


Wells Fargo sent me a letter contending I did not meet the minimum debit card purchases and/or payments ( also attached ) within the number of days specific. These documents clearly show otherwise. 

I want to emphasize that while the terms disqualify ACH transactions from counting as " debit transactions '', they also explicitly state that ACH credits are " qualifying transactions '' nonetheless. The exact wording is as follows : Make 5 or more qualifying transactions that have posted to the new business checking account by Day 60 : Debit card purchases/payments ACH ( Automated Clearing House ) credits and debits Checks paid from your new account ( deposited and cashed ) Mobile deposits Wires ( credits and debits ) Wells Fargo Business Bill Pay or Direct Pay
Consumer complaint received 2023-11-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (MI)

I had a Bitcoin payment rejected by cash app for a reason that they will not disclose, They sent it back out to the blockchain with an improper transfer fee meaning that my money is just going to sit there stagnant until it's returned to them and then they do it again. They could care less that I'm out a decent amount of money for somebody in my situation. They just keep saying that they don't know what's going on.
Consumer complaint received 2022-08-18
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-08-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (GA)

In XXXX of XXXX I was behind on my car payment, the company reached out advising I owed {$900.00} to include some NSF fees. They advised I didn't have to pay the late fees and that it would not affect my " late '' status. I paid {$450.00} and then another {$220.00} and requested a detailed statement history to include payments since I believed I had already paid the NSF fees. Fast forward to today, it is now XX/XX/XXXX - I have refused payment until I receive the paperwork needed to confirm I have not been double billed, over charged, XXXX and I have still not received it. They are now saying I owe {$1200.00} ( my car payment is only {$320.00} ) Please make it make sense, I owe {$900.00}, pay {$670.00} which would leave {$220.00}, plus {$320.00} for XXXX and {$320.00} for XXXX which only totals up to be {$870.00} - I am not getting ANY answers, and I feel like they are HIDING something because they are refusing to provide me with documentation to review. There is XXXX way possible to confirm anything, and all the months I'm having issues with the statements are NOT available on the online portal.