davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (NC)

Starting XX/XX/XXXX, up to XX/XX/XXXX, I have been attempting to contact XXXX XXXX about two erroneous credit card debts which I am unaware of to try to get the issues rectified. Prior, I never received a method of verification from XXXX XXXX, giving me a chance to respond within the 30 day period, and the debt agency inserted both collections on my credit reports. I never experienced collections on my reports. 
I have attempted to call, XXXX XXXX representatives are not customer centric, I have sent certified mail with return receipts, proving to me letters were received and signed for ; but still no response. Although it is not my debt, I have even attempted on two separate occasions, sent first class mail settlement letters starting XX/XX/XXXX. As of today, XX/XX/XXXX XXXX XXXX still has not contacted me and the collection debt is a burden on me. I can't gain credit or be credible with these two derogatory marks on my reports. XXXX XXXX has not proven to me debt is mine, nor do the agency have signed legally binding contract for me, all I am getting is a computerized billed statement and a mark on my credit reports. There are so many violations from XXXX XXXX pursuant to state laws and FCRA laws and XXXX XXXX is not trying to resolve this issue. Please help me.
Consumer complaint received 2022-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (CA)

Navient incorrectly made my monthly payment lower in my credit report than what is stated on my monthly bill. However I agreed to make payment arrangements which Navient agreed to but they still reported my payment late this decreasing my credit score with XXXX and other credit reporting bureaus XXXX points. They did not inform me that they would report this to the credit bureaus.
Consumer complaint received 2024-02-12
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. (FL)

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.

has violated my rights. Or a list of inquiries : 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 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 2022-07-16
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. (FL)

Im an XXXX person whom never had a change. I know I tried many times over the years to build credit only for it to say I have no credit history. For the more there are many inconsistencies on all my on all the credit bureaus not allowing me to ever establish or apply for any housing or even obtained a phone. When applying for housing or a phone or any kind of thing my credit is always looking to account it's low and I have been establishing my credit since my twenties I am now XXXX XXXX XXXX and I still do not have credit after XXXX hit my credit has not took another hit I feel I am being XXXX XXXX against are are my children. As white counterparts have a higher credit score and even immigrants I have tried multiple programs of repairs and everything but it doesn't matter my credit score always says the same thing low no credit history which is not true and a lot of delinquencies which is not also true they continue to have a bunion see of credit inquiries on my credit account and will not removed all three bureaus I am in so I am also in the process of suing because they are blocking my opportunities I'm not able to apply for housing through XXXX XXXX I'm not able to obtain housing first time home buyers I'm always told I have to wait two years to build my credit with XXXX  this is only due to XXXX XXXX yes on my account I know I have a few account I even attended to pay the boss I even attempted to take them off and they have charged-off accounts on my account and will not remove them they are XXXX XXXX me and keeping me in a position where I'm not able to even purchase a home I always have to pay higher rates deposit down because everyone sees me as a high-risk and I'm so fed up with it.
Consumer complaint received 2024-02-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Upon reviewing my consumer report, I have discovered that there are still unauthorized inquiries present. Despite my previous communication with XXXX and TransUnion requesting a reinvestigation, the issue remains unresolved to this day. 

XXXX 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report TransUnion 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Consumer complaint received 2022-07-16
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. (MA)

I mailed a letter asking the credit agency to verify the accuracy of the account and they sent a credit report back after the investigation with the same inaccurate information. The law state that 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 investigation. This is willful disregard of the FCRA.
Consumer complaint received 2022-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NC)

Same issue I reported prior-Every deposit is always placed on hold for over 10 days regardless of the amount. I am tired of having to call and sit on hold to get my funds released when the funds are already in their bank as we discover when I call. I sat on the phone for over 2 hours for a {$500.00} check I deposit on XXXX XXXX- two hours. When I called that time XXXX XXXX XXXX  verifed the funds were there and had been there so why can Chase not see the deposits made in their bank account? I held a federal and state XXXX  XXXX XXXX XXXX XXXX  for over 10 years and understand they are increasing their balance sheet so they can lend more money through the fractional reserve lending we use stateside. It also appears they are sweeping other peoples money as well. This needs to be stopped. People work to hard for their money and they are famous for putting holds on everything everytime. The same day I deposited the {$500.00} with Chase I deposited {$2500.00} into XXXX at the same time with mobile deposit both drawn on XXXX XXXX XXXX. Next day my {$2500.00} was avaible with XXXX and Chase had a 12 day hold on the money. The most recent situtation happened when I remote deposited {$5400.00} on XX/XX/XXXX, they placed a 10 day hold on the check, I called Chase Friday at around XXXX XXXX to get the hold removed sat on the phone for over 45 mins with XXXX who called XXXX XXXX XXXX to verify the check verbally. I gave the XXXX XXXX XXXX rep authorization to access my account they did verified that CHASE HAD HAD THE MONEY AGAIN FOR 3 days. The XXXX XXXX XXXX  rep hung up, Chases ' rep said a few minutes and he would have it released, came back on the phone said it had been released and it would show up in my acct shortly. I get up Saturday morning and check my account- no release of the money. I called Chase again around XXXX XXXX The rep was vile, hateful, mean and ignorant. They told me I had not called and there was no hold release authorized. THIS IS BEYOND RIDUCLOUS AND YOU CANT MAKE THIS UP. You need to start penalizing these banks for their behavior, if you don't have that authority to do so they why do you exisit. XXXX XXXX does to the common man what they want when they want and we are expected to sit back and take it. Enough! Hold them accountable!
Consumer complaint received 2022-07-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Revenue Corporation (GA)

I have communicated with UNITED REVENUE CORP and XXXX about the fraudulent credit reporting and collection attempts over the course of the last 12 months and UNITED REVENUE CORP has since ceased to report on my credit report but they have not responded to my other demands. I have sent UNITED REVENUE CORP the attachments below via mail which consists of a notarized affidavit of truth, a notarized demand for verification letter, a notarized cease and desist letter, an ID Theft/FTC report XXXX Exhibits showing the violations compiled of the fraudulent mail URC sent me, and an invoice requesting remedy for violation of federally protected consumer rights under 15 US Code 1692k. These attachments should be more than enough to incriminate UNITED REVENUE CORP and I'm attempting to settle before this has to escalate to a civil or criminal process. Not responding to an affidavit of truth by default stands as truth in a court of law. I have also sent a notice of default and opportunity to cure. 

UNITED REVENUE CORP and XXXX has limited me from being able to buy a house, vehicle, and to extend credit. I suffered financial harm and harassment from them for the duration of a year. 

Per 15 U.S. Code 1692 - Congressional findings and declaration of purpose - UNITED REVENUE CORP has engaged in and practiced abusive debt collection practices.
Consumer complaint received 2022-07-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CNG HOLDINGS INC (MI)

XXXX XXXX XXXX added a debit that is pass the statue of limitations. It appears they purchased my debt from tempoe/why not lease it which had the debt on my report for 7 years then it was removed. XXXX XXXX XXXX added it back and when i try to contact them i dont get any response. They are not the original owner of the collection. They also list payments that was never made. They said i made a payment of {$220.00} but i have not aid anything. The original amount was {$1300.00} and that is the current balance so that shows no payments was made. Also they are making false statments about me being late when i didnt even know anything about them having the collection or that i was supposed to make a payment so how can it be late.
Consumer complaint received 2021-04-28
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. (GA)

I am filing a complaint with Equifax and XXXX  because I have advised them that the following accounts are not my accounts and they need to be deleted from my credit report and they are still showing listed. These accounts need to be deleted immediately : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-07-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (TN)

I was notified by Serve due to activity on y account alerted by a fraudster call to initiate the locking me out of my account in an attempt to take over my debit card. After loosing first the access to the emai on file ti the account and after I called Serve to update the account I discovered the card was deactivated and in processing to be reissued, although much of my personal information was listed as old contact in which is similar to the the sctions of the persons responsible for my recent attack, theft of property, and continuous theft and fradulent use of my banking information, phone data, and consumer profiles as well as email accounts and personal stalking. Two of the three suspects were paced in custody and one is at large which is likely the driving force behind these recent transactions.Tonight I noticed the two now released individuals on several occassions at and around my complex which has been the case since one was released and other has remained at larged ; with ongoing attempts at interference with my accounts through what I was abile to notice as phishing through inbound emails, calls, bluetooth activation, and the pursuit of unknown methods through common apps I was advised to get a new device although when doing so Access to important emails and other account remained inaccessible such as my main email and bank account which I was only able to accessat about XXXX AM XX/XX/XXXX. XX/XX/XXXX XXXX with 1 pending transactions I am noticing 15 unauthorized amounts that are transactions totalling nearly {$720.00}. i have made nearly 23 reports for this activity and charges has been filed, but This is a case of stalking and the theft is a mere agitation being pursued to impose more mental anguish. My banking institute fail to acknowedge me as such, a victim of unforeseen circumstances and the loss of monthly benefits has become the causation of hardship in need of mediation to resolve, replace, and contemporary aid me in the recouping of funds as I just today have converted my banking to a more secure and mainstream institution, but I am demading the funds be provided with any unneccessary delay due to no fault oc my own and the acount remain accessible during with time for the immediate and full withdrawal of these funds. Report was made on XX/XX/XXXX to one other federal regulatory agency in this matter.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have submitted multiple disputes and FTC report regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I do not have any idea regarding these fraudulent accounts on my credit report. These are not mine.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

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, XXXX XXXX XXXX, XXXX XXXX- XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX- XXXX 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 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 2022-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NC)

On XX/XX/XXXX, I spend hours talking to many Experian reps to remove a fraud alert. Their upload site was not working ( experian.com/upload ) - the last rep figured out the site was not working and we kept trying and after hours, it FINALLY uploaded my front/back to my state driver 's license and passport to provide the proper authentication. I also stated to REMOVE ( in all caps ) the fraud alerts. 
It gave me a success message and sent an email showing my dispute was received and processed. I am happy to forward this. 
I wake up on XX/XX/XXXX to the Experian site saying " A Fraud Alert has been ADDED to your Experian Report ''. Are you kidding me? Either their site is inept and misleading, or their employee who handled this can not read and is horrible and either way it is unacceptable. This is costing me money and I can not believe they would treat consumers like this. I RE-LOADED my documents AGAIN this morning and filed another REMOVAL note. All I have referenced in this complaint is attached as screen shots.
Consumer complaint received 2024-02-12
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. (TX)

I am writing to follow up on my previous notice sent on 45 days ago from the date of this letter, regarding the dispute of certaininformation in my credit file. I am specifically addressing the fraudulent information listed below as a victim of identity theft ; See Fraudulent Collection Account Summary below.
Consumer complaint received 2022-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XXXX XXXX, 2021, I spent 3-4 hours of my life trying to get Transunion to remove a Fraud Alert on my account. Not one employee could help. None. They sent me to their site to upload documents ( fraud.tranunion.com ) and the site would NOT WORK giving a constant error message. I told their employees and NONE could help or provide answers why. The best I could get was a supervisor saying he will try to " escalate '' this to get a tech support person to call me in 72 hours. Are you kidding me? I try for almost 4 hours to provide the documents you request to get this done and your system will not work and this affects my life adversely for at least another 3 days if I am lucky? When are these actions and total lack of support held accountable? I WANTED to provide documentation and they would not accept it. This treatment is not acceptable and consumers need to have some recourse.
Consumer complaint received 2022-07-16
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. (IL)

It has been drawn out into the open that the credit bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that the credit bureaus decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXXXXXX Balance {$740.00} ; XXXX, XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX  XXXX Balance Owed : {$1500.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX  XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/2022 XXXX XXXX Inquiry Date XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX Inquiry Date XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX  XX/XX/2022 ; XXXX Inquiry Date XX/XX/2022 ; XXXX XXXX  XX/XX/2022 ; XXXX XXXX XX/XX/2022
Consumer complaint received 2019-02-26
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. (GA)

I have disputed the student loan account with Transunion for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this..
Consumer complaint received 2018-03-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Simon's Agency, Inc. (CA)

Ive asked Simons Agency to validate the alleged debt and they have sent me from what it looks like a scanned/copy of a paper of their so called Current Contact. Nothing on this piece of paper shows a contract that I have with this company nor does it show my signature agreeing to pay this company this alleged debt. Theres nothing on this paper that gives me assurance that this is my debt. Anyone can put a name, phone number and address and claim that I owe them money. This is not an acceptable form of validation. Ive also tried to settle this debt even though it was not properly validated and never got a response from this company.