davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-02
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Albert Corporation (CO)

I have a small balance ~ {$11.00} in my Albert account. I want to withdraw this balance and close my account. Albert won't transfer nor close my account, as it wants a linked bank account statement. The linked XXXX XXXX bank account was already closed. I have provided a most recent statement and Albert still won't close my account and return me the money. 


I want my account completely closed with Albert bank, and any remaining fund in my account be returned to me via a check.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

To : Whom It May Concern : I am writing this letter because there is an incorrect account on my credit report, so I am sending this letter to the credit bureau. I am a victim of identity theft. 
These accounts are all fraudulent. 
Why are these bad records on my credit report and messing up my credit? 
These incorrect accounts contain information I have no knowledge of. 
Someone applied and used my personal information. I am suffering so much from these incorrect accounts. I did not sign my name, nor did I directly or indirectly authorize anyone else to sign my name. And my credit report also shows incorrect addresses where I don't live. 
Even I currently live in XXXX XXXX. I have never lived in Colorado, But I have so many Colorado addresses on my credit report. 
Please remove these incorrect and wrong accounts and personal information from my credit report. 


-- ACCOUNT XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with balance of {$17000.00} - I am the victim of identity theft, and I did not open this account.
Consumer complaint received 2021-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CA)

I went into the XXXX and XXXX branch to change my checking over to my revocable trust. The teller said I had to make an appointment for this. She made the appointment for me for the following day at XXXX. I showed up the next day at XXXX. The teller told me to wait in the lobby. I waited for XXXX minutes and no one came to help me. I got up and left. Why do I have to schedule my day around this nonsense? If banks are forcing appointments upon their customers, they should honor the appointments they make. This is for the XXXX XXXX XXXX branch in XXXX CA.
Consumer complaint received 2020-07-13
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. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XX/XX/XXXX  XXXX {$3200.00}
Consumer complaint received 2018-03-06
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: National Credit Systems,Inc. (FL)

I received a letter in the mail from this company saying I owed money and called them to confirm. My first call i spoke with a representative who told me this debt was for a house I rented and she spouted off an address where I have never lived. I then asked her for a copy of the leasing agreement so I could verify this debt. The representative became combative and asked me why did I need verification of the debt. I told her its my legal right for the debt to be paid and I wanted documentation. I have just now received documentation but out of a 20 page leasing agreement I only received 5 pages. NONE of which can verify that it was ME who this debt belongs too. There's no copy of my ID - no date of birth information or even my social on any of the incomplete paperwork that was sent. I would either like proper verification of this debt or I would like it removed from my credit report for failure to verify.
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$260.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$8900.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$8700.00}
Consumer complaint received 2021-12-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: REGIONS FINANCIAL CORPORATION (TX)

On Friday XX/XX/XXXXXXXX, I went into an XXXX XXXX XXXX store to make a payment on my phone and internet bill which was {$260.00} ( XXXX for internet {$200.00} for phone ). On Monday XXXX XXXX, XXXX I noticed that my internet was charged twice on my bank account. I called XXXX XXXX XXXX and asked if they could refund the extra internet payment. They said they would. The next day I noticed my phone bill still had a delinquent balance. I checked my bank account and saw the payment posted as of that Monday. I called XXXX XXXX XXXX and they told me the payment for both my phone and internet bill was reversed/canceled. I told them that was not supposed to happen but once it post back to my account I will pay it again. The money never posted back to my bank account. I called them several times over a month trying to get the money refunded to my bank or credited to my bill and they refused because they stated they already gave it back to me. I showed them my bank account and the receipt from my payment and they still would not rectify the situation. On XX/XX/XXXX I had to pay the delinquent balance on my phone bill even though I never received the payment back and they charged me a {$35.00} fee. On XX/XX/XXXX I again paid my phone and internet bill. On XX/XX/XXXX I have another payment due but I still have not received the payment back from XX/XX/XXXX. I finally filed a dispute with my bank Regions. I provided them documentation and they have closed my claim stating that they can not credit my account even after showing them documentation that XXXX XXXX XXXX supposedly refunded the money. I again called XXXX XXXX XXXX and they wont find a solution to this problem. They say its the banks issue to fix and Regions keep telling me its XXXX XXXX XXXX issue to fix. I can provide documentation from my bank and XXXX XXXX XXXX.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following accounts : XXXX : Ending with XXXX XXXX XXXX : Ending with XXXX
Consumer complaint received 2021-12-02
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. (FL)

There is a debt on my credit report from XXXX XXXX XXXX and XXXX XXXXXXXX in the amount of {$30000.00}. Dates of disbursement are XX/XX/XXXX and XX/XX/XXXX I did not attend this school and this is not my debt. I tried to dispute this matter but I was threatened to pay or my wages would be garnished.
Consumer complaint received 2019-03-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (ID)

I have been receiving MULTIPLE phone calls per day sinceXX/XX/2019 ( today is XX/XX/2019 ) from the following phone number ( XXXX ) associated with 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 Furthermore, I have also started receiving multiple phone calls from ANOTHER phone number ( XXXX ) associated with XXXX XXXX XXXX XXXX on the following dates : XXXX. XXXX : XXXX, XXXX, XXXX, XXXX, XXXX XXXX. XXXX : XXXX, XXXX XXXX. XXXX : XXXX, XXXX, XXXX XXXX. XXXX : XXXX, XXXX, XXXX, XXXX, XXXX I am now starting to receive letters via certified mail from the company as well.
Consumer complaint received 2021-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (OH)

Supervisor name XXXX ( refused to share last name ) and states I don't have a phone number made remarks to me about my account be closed based on my gender. Account has negative balance and Discover Card will not return money or state why the account was closed.
Consumer complaint received 2019-03-19
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. (NC)

I have been trying to remove fraudulent accounts from my credit report since XX/XX/2019. On XX/XX/XXXX, I mailed a dispute package to XXXX, Experian & XXXX   asking them to provide me documentation they used to validate the fraudlent accounts that were a result of Identity Theft. All three Credit Bureaus have violated the FCRA, Section 609 a ( 2 ) also FCRA 605 ( b ) therefore, the accounts must be deleted from my credit report within 4 days.
Consumer complaint received 2019-03-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP (NV)

I have tendered the payment as of XX/XX/2019. THey have destroyed deleted and or alleged payment went missing. THey also claim that payment was not received when I have proof of service from the XXXX with a signature from their agent named XXXX XXXX. On two occasions this agent on behalf of USBANK signed for this payment. Please see attachments for more details.
Consumer complaint received 2021-03-01
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: Credit Plus Inc (IL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX-RISK RETAIL- XXXX Inquired on XX/XX/2020, XXXX XXXX XXXX Inquired on XX/XX/2020, CREDIT PLUS Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2019-03-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have been trying to remove fraudulent accounts from my credit report since XX/XX/2019. On XX/XX/XXXX, I mailed a dispute package to XXXX, XXXX & Transunion asking them to provide me documentation they used to validate the fraudlent accounts that were a result of Identity Theft. All three Credit Bureaus have violated the FCRA, Section 609 a ( 2 ) also FCRA 605 ( b ) therefore, the accounts must be deleted from my credit report within 4 days.
Consumer complaint received 2021-03-01
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: DISCOVER BANK (AL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. DISCOVER FINANCIAL SER Inquired on XX/XX/XXXX, XXXX/XXXX Inquired on XX/XX/XXXX, XXXX XXXX DUAL CARD Inquiry : XXXX XXXX, XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2024-02-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was contacted about a series of collections that I was not aware of or they had the wrong information, which is a violation of the FCRA : - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX I've sent letters to disputing these accusations but they have yet to get back to me.
Consumer complaint received 2023-04-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (TN)

I have reached out to Regions many times since XX/XX/XXXX to request that my debit account be set up to decline any and all purchases or charges that would overdraft my account. The most recent of times was XX/XX/XXXX. This is because, as a student paying all of my own bills working as a server, I would like to ensure that funds are not unavailable and to know where my finances stand at the end of each day without having to wake up and see I've been charged an overdraft fee for some obscure charge, or something charged days ago. I reached out to them because I deposited some money on XX/XX/XXXX and was subsequently charged two {$36.00} overdraft fees. I reached out to their customer support to understand these charges and was not given a clear explanation on why these were charged when I did indeed have the funds in my account. But due to their gross negligence to my request that my debit account not approve any transactions that I do not have the funds for, I have been charged hundreds of dollars in the last week alone in overdraft fees. I am fed up with their abusive policies and refusal to set up my account to decline purchases. I do not want overdraft protection, I want them to decline completely. Seeing as it is my money, this should not be as hard as a request as it has been. I have been treated unfairly when I have asked for explicit assistance in managing my money. If they are the company I use to manage my money, how I choose for it to leave my account is my right. These last few months trying to have it set up in a way that I won't be paying extra has cost me hundreds if not thousands of dollars. I understand their policy, and have not officially disputed any fees they have charged, but have only requested that they change how my account approves charges, and each time I am met with the refusal to do so.
Consumer complaint received 2021-10-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (NY)

I pulled a copy of my credit report and notice this company reporting derogatory information about me, I reach out twice before contacting the CFPB requesting verification of the alleged debt, including, ( 1 ) the name and address of the original creditor, ( 2 ) copy of the oral or written request or application for the alleged credit card account, ( 3 ) copy of a signed contract or signed agreement with the alleged original creditor, and ( 4 ) previous 12 months of statements of account. To date they have not responded.
Consumer complaint received 2021-12-02
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. (MD)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX Date Updated : XX/XX/XXXX XXXX Date Updated : XX/XX/XXXX
Consumer complaint received 2019-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to XXXX and Experian but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely inaccurate they are in violation of my rights. 

Account type is reporting as Collection for XXXX and Unknown - credit extension, review, or collection for experian. XXXX is reporting the date opened as XX/XX/XXXX and experian is reporting XX/XX/XXXX. XXXX is reporting the last reported date as XX/XX/XXXX and experian is reporting XX/XX/XXXX. XXXX is reporting date last active as XX/XX/XXXX and experian is reporting XX/XX/XXXX. These are a violations of my rights per the fcra
Consumer complaint received 2018-03-06
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 — Problem with personal statement of dispute
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

i have sent a letter asking for debt validation on XX/XX/XXXX, on XX/XX/XXXX i received a bill. on XX/XX/XXXX i sent a 2nd request i received a bill and copy of paper work. i have not received any proof of signature of mine. i have asked for proof but still waiting.
Consumer complaint received 2021-09-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I didnt give permission to XXXX XXXX  for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization
Consumer complaint received 2019-03-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Dear Sir or Madam, I have been a loyal Capital One customer since about XXXX. I hold the following accounts with Capital one 1. CD 's 2. Checking 3. Savings 4. Money Market. 

All my accounts were closed Monday, XX/XX/XXXX via email stating the following. 

Well be closing your account ending in XXXX on XX/XX/XXXX, because principal owner ( s ) have past, present or pending legal action. 

Remember, when you opened your account, you agreed to the disclosures reserving our right to close it at any time, for any reason. 

Since were closing your account, youll need to : Stop writing checks from this account immediately. 
Re-direct any automatic debits and/or direct deposits. 

Also, you wont be able to open any new accounts in the future. 

You can close your account before XX/XX/XXXX if youd like. Otherwise, well close it and forward your money to a linked external account if you have one. If you dont have a linked account, youll receive a check in the mail within 10 business days from closing at the address we have for you on file. 

If you have any questions, please stop by a Capital One location, or give us a call at XXXX-XXXX-XXXX-XXXX ( XXXX-XXXX-XXXX-XXXX ) from XXXX XXXX. to XXXX XXXX. ET any day of the week. 

As a follow up I did call Capital One and after being shuttled from department to department was finally advised that Capital One has made a management decision to cease ANY/ALL business relationships with me and will be furnishing NO details on why they have come to making this decision. 

I do not have any outstanding legal or court cases and would much appreciate your help with getting the details on my account.