davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I, XXXX XXXX, am stating that TransUnion, XXXX, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as TransUnion XXXX XXXX, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave TransUnion, XXXX, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my TransUnion, XXXX, XXXX credit report : XXXX XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give TransUnion, XXXX XXXX XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. TransUnion, XXXX, XXXX are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF TransUnion, XXXX, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my TransUnion, XXXX, XXXX XXXX report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: OneMain Finance Corporation (CA)

I have sent two previous letters outlining certain errors and inaccuracies on my consumer reports. Ive also outlined many incomplete fields on my consumer reports which were set certified mail to the consumer reporting agencies. What dates and times did they contact you regarding my disputes? I am requesting a detailed respond to their methods to verify and rectify these inaccuracies and incomplete data being reported.

If you do not have the proper data to report/ furnish this information please delete this account since you have failed to do an investigation. You have also failed to do a re-investigation. Now I am requesting a detailed description of the investigation process by your company on the two separate disputes sent to the credit.

Below I will also outline with red circles outlining my consumer reports to show further inaccuracies and missing data/ incomplete information on my consumer report. Please delete/ remove these accounts if these inaccuracies cant be verified.
Consumer complaint received 2022-08-07
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting Act 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 2022-01-07
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: JPMORGAN CHASE & CO. (GA)

I have a complaint open with this company and they continue to make it worse. Now they are reporting that I had a flex spending card with them and that is false and untrue and they have verified this lie with XXXX and dropped my score another XXXX points!
Consumer complaint received 2022-11-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Penn Credit Corporation (FL)

Penn Credit reached out to me on XX/XX/2022 in regard to an alleged debt. According to their letter I had until XX/XX/2022 to reach out to dispute the debt. I sent a letter XX/XX/2022 certified with USPS. According to the tracking number, they received it on Friday XX/XX/2022 at XXXX XXXX. Even after receiving my letter on time, Penn Credit still placed an adverse mark on my credit report ( a collection ) on XX/XX/2022 which shows as opened on XX/XX/2022, a day before their letter was received by me. 

They have violated my consumer right as pursuant to 15 U.S.C 1692d ( 1 ) ruining my reputation/defamation of character of credit worthiness.
Consumer complaint received 2022-08-07
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. (PA)

XXXX and Transunion, XXXX have violated my consumer rights with reporting fraud accounts on my credit report. I tried countlessly to report the issue with them but they keep send letters back in XXXX saying the accounts is verified. I sent letters back asking their method on verifying the account, i also ask to send me the original document stating how I owe these frivolous accounts. but no response. I would like these accounts deleted from my credit report immediately.
Consumer complaint received 2022-07-13
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. (ME)

i had filled i d theft reports with transunion XXXX and XXXX they claimed that all accounts were proven to be mine with no verification of how these accounts were verified and refuse to remove all accounts listed XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX  XXXX Account # xxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Account # xxxxxxxxxx XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX account # xxxxxxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX account # xxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX account # xxxxxxxxxxxx XXXX all accounts should be deleted
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AR)

I submitted a complaint XXXX XXXX  ) on XXXX in regards to inaccurate or wrong personal information displaying on my credit report. Experian responded on XXXX stating they were in the process of removing and updating inaccurate employer information. As of today XXXX employer XXXX transportation, XXXX XXXX and outdated or inactive phone number XXXX still remains on my credit report after several requests to remove the information has been made both via mail and phone. Addresses XXXX XXXX XXXX and XXXX XXXX XXXX are addresses I've never resided while none of the creditors currenlty reporting on my credit report are attached to these addresses for any reason therefore they should not be reporting on my credit report. I don't understand why Experian continues to ignore my request and continue to report inaccurate information violating the Fair Credit Reporting Act.
Consumer complaint received 2020-05-23
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: Resurgent Capital Services L.P. (FL)

I have tried to dispute accounts with XXXX  ( LVNV FUNDING LLC XXXX ) and I have not been successful in deleting accounts and XXXX  is no compliant with FCRA 605B. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove these specific wrong accounts.
Consumer complaint received 2020-05-23
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. (ME)

sent Transunion LLC USPS Tracking # XXXX XXXX XXXX XXXX XXXX XXXX which was received by them XXXX when I called them 10 days later, they said they " did not know '' if the information had been scanned. 
Then I got a form from Transunion LLC indicated they needed more information- ALL information needed was included in the package sent to them USPS- the Representative transferred the call, and the wait time was ridiculous ; and the designated dispute representative indicated they couldn't confirm receipt of the information packet that was sent to them Tracking # XXXX XXXX XXXX XXXX XXXX XXXX to try and log onto their " site '' is impossible ... typing in SSN multiple times, and no clear indication of username and password. 
XXXX  Tracking # XXXX XXXX XXXX XXXX XXXX Package Delivered XX/XX/20 XXXX  Tracking # XXXX XXXX XXXX XXXX XXXX XXXX Package Picked up XX/XX/20
Consumer complaint received 2024-02-11
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. (GA)

My personal information was left in my wallet, which I unfortunately was pick pocket at a shopping mall. I am a victim of Identity Theft & XXXX XXXX XXXX. Despite my immediate and repeated attempts to retrieve it by contacting the mall on the same day and subsequently, my wallet was never recovered from the thieves. Upon realizing this, I decided to pull my credit report because I'm in need for a car very badly, and to my dismay, I discovered unauthorized collections accounts and hard inquiries that do not belong to me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My credit report shows a collection from your agency with a balance of {$1100.00}. I was never notified of this collection. Whats more, I do not believe this debt is accurate. I am not liable for the debt with XXXX XXXX XXXX, I do not have a contract with XXXX XXXX XXXX, XXXX and when I requested, they provided me with the original contract over an month ago, they did not give me one. This has been an ongoing battle for me, spanning over XXXX long years. I urgently request the removal of these erroneous entries from my credit report immediately. I am currently in the process of securing a new car and a home for both myself and my XXXX daughters who I have full custody of, as we face the threat of homelessness. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Additionally, I would like to emphasize the importance of upholding the credit repair law as outlined in 15 U.S. Code 1681 and FCRA 605B ( 15 U.S.C. 1681c-2 ). I have not supplied proof under the doctrine of estoppel by silence. XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists. Your cooperation in rectifying these discrepancies is greatly appreciated.
Consumer complaint received 2022-07-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

IVE BEEN A VICTIM OF IDENTITY THEFT, SOMEONE USED MY INFORMATION TO OPEN FRAUDULENT CREDTI CARDS AND UTILITY BILLS THESE ACCOUNTS ARE 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-13
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. (GA)

My personal information was stolen in 2022, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX 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 XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to report Perfect Payment History never late. 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 hand written instructions.
Consumer complaint received 2022-07-13
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)

I am a consumer and natural person with a right to privacy, confidentiality, and fairness. In accordance with the Fair Credit Reporting Act, the consumer reporting agency has violated my rights with accounts listed on my consumer report : XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX - U.S. BANKRUPTCY COURT # XXXX XXXX U.S. BANKRUPTCY COURT # XXXX - 15 USC 1681 ( a ) ( 4 ) - As the consumer, I have a right to privacy. 

15 USC 1681a ( 2 ) ( A ) ( i ) - A consumer report does not include transactions or experiences between the consumer and person making the report.

15 USC 1681a ( 2 ) ( B ) - A consumer report does not include any authorization or approval of specific extension of credit, directly or indirectly by the issuer of a credit card because it is used to obtain an extension of credit.

15 USC 1681b ( a ) ( 2 ) - A consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681e ( a ) - A consumer reporting agency, shall maintain reasonable procedures and limit furnishing of my consumer report under 15 USC 1681b.

15 USC 1681e ( b ) - A consumer reporting agency shall follow reasonable procedures to assure the maximum accuracy of information on my consumer report.

15 USC 1681e ( e ) ( 1 ) ( B ) - My consumer report can not be procured for the purposes of reselling information without my written instructions.

15 USC 1681g ( a ) ( 1 ) ( A ) - A consumer reporting agency must disclose all information on my file, clearly and accurately to me.
Consumer complaint received 2016-06-10
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (CA)

I upgraded to an American Express Blue Cash Preferred card In XXXX ( annual fee {$62.00}, advertised as 6 % cash back at supermarkets ) from the XXXX card ( no annual fee, 3 % back. ) In XXXX, I realized that I had not received any " Reward Points '' for cash back since I switched. I called and spent a huge amount of time on the phone and was told there was a computer problem that would be fixed within a few days and someone would be in touch with me. 

I have called and web-chatted several times since then and gotten nowhere. 

Today I called and spoke with a supervisor named XXXX, who would not give me a last name or identifying number. She said there were many thousands of people affected by the problem and we would all eventually get all the cash back that we are entitled to, but she could not tell me when, and would not send me an email putting anything in writing. 

My friend thinks this is a scam - that American Express realized 6 % costs them too much and we will all eventually be told we do n't qualify for some reason. ( The fine print says " additional conditions apply '' but does n't spell out the conditions. ) It seems preposterous that American Express ca n't fix a computer program problem in 6 months. Is this a scam? 

Many thousands ( millions? ) of people probably switched to these cards when they saw the 6 % so I assume this issue affects many many people. ( some may not even realize they are not getting the cash back rewards that were advertised and promised ).
Consumer complaint received 2022-07-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/XXXX, I tried to apply for an account with XXXX XXXX  and was denied because of XXXX XXXX. I reached out to XXXX XXXX  in regards to the matter. I was sent a letter stating that I had an account with Bank Of America in the past and I owe {$350.00}. I never had an account with them but my ex husband did. He put me on the account in case if anything ever happened to him that I would be able to access anything I needed of his. I never put any money in there or did anything with the account. I was told in XXXX during the divorce that my name was removed from all his accounts. Fast forward to XXXX, I applied for this new account and now I can not open an account with them because he left a balance on that account and I had no idea. Because my name was on it when it closed they are trying to tell me I am co responsible. I contacted Bank Of America on XX/XX/XXXX And was told I am responsible for something that I had no idea about and would not have known because evidently in XXXX they put this on me and if I didn't try for the XXXX account I would have never known. I feel as if I am not responsible for someone elses debt because I was told one thing and the case was something else. I would like for them to remove this from my account because I am not the primary account holder and I have never even used this bank or step foot in there except under the false pretenses that it was for if anything were to happen to someone I would be able to take care of their affairs with no issues.
Consumer complaint received 2022-11-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (MT)

Repeated and Harassing Robocalls from Midland Credit Management. When I have attempted to answer and confront these harassing and unwarranted calls, no one is ever on the line. I have waited for a rep to come to the robocall, with no results. 

( See attached call records from my phone ).
Consumer complaint received 2020-05-23
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: CITIBANK, N.A. (FL)

On XX/XX/2020 - Citibank NA, Best Buy checked my credit without my permission. I was a victim of Identity Theft. 
Also, on XX/XX/2020 - XXXX / XXXX attempted to give me a loan. I did not authorize this company to check my credit. I contacted them already as well to decline any application. I was a victim of Identity Theft.
Consumer complaint received 2020-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After Reviewing my Credit Reports, I noticed that there is a Public Record Bankruptcy on my Credit Report. XXXX  and Trans-union have not verified Accuracy of Bankruptcy on my credit report. I disputed these item on my report with XXXX  and Trans-union but they have not remove public record Bankruptcy. Im not able to get approved for any new line of credit because of this. XXXX  and Trans Union are violating Fair Credit reporting act. The Bankruptcy reporting on my credit report has an address where I do not live. I disputed these items multiple times but they have not removed item. I contacted the Federal US BankRuptcy courts which they advised that they do not report to the credit bureaus. They do not disclose anyone Social Security or Date of Birth to credit bureaus. The Credit bureaus are in complete violation of Fair Credit Reporting Act.
Consumer complaint received 2024-03-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (GA)

Through a PayPal transaction ( XXXX {$2400.00} ) sent to be me of XXXX my dad 's life insurance policy from thefuneralhome was sent XXXX ; it was NOT sent as a " friends and family '' transaction in error. Because of this Paypal placed the funds on hold accessing a transaction fee, asked for a tax ID & stating 24 % of the amount would be sent to the IRS.Once they realized it was life insurance proceeds, Paypal said they could do a reversal but they were the unable to ; then they tried to walk me thru a refund, but we kept getting an error message stating the 24 % would still go to the IRS ; they opened up 2 online tickets thru chat the XXXX week in XXXX XXXX  ; I have been contacting them thru chat and phone throughout XXXX and are constantly told either engineering still has not resolved the ticket or that a supervisor will call within 4 hours. I am not sure how they can be allowed to hold someone's money!!
Consumer complaint received 2023-03-20
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: M&T BANK CORPORATION (AZ)

Credit report indicates that M & T Bank reported a mortgage payment as 30 days late. 

Contacted M & T and representative assured there would be a correction and that proper payments would be credited On XXXX a payment of {$2800.00} was made. Unfortunately the payment was credited to only one month. However the payment was clearly for 2 months.

There has never been a 30 day late payment on this account.