davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BlockFi Inc (CA)

I deposited a total for {$10000.00} into an 'interest ' account with BlockFi ( {$5000.00} on XX/XX/XXXX and {$5000.00} on XX/XX/XXXX ). They said that I could withdraw at anytime but it would take up to 7 days to withdraw. I tested this months after depositing and was able to withdraw {$2000.00} on XX/XX/XXXX. 
I just tried to make another withdrawal on XX/XX/XXXX and they are saying withdrawals are paused. but they never told me that they could pause withdrawals. I want my money back and they are not giving it to me. How can I get help? this is my life 's savings and I am incredible stressed out.
Consumer complaint received 2023-04-05
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: Experian Information Solutions Inc. (GA)

Hi I contacted this company 3 times about this account I cant find my other letters were they said they verified but the most recent date i have is XXXX. Under 15 U.S Code 1681e ( b ) and 15 U.S Code 168li ( 5 ) this account in violation not reporting 100 % accurate.
Consumer complaint received 2020-09-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I'm requesting written request to validate and verify this debt. During these times, money is stretched thin and nothing should be added to my report because I'm unable to pay at this time. There is a pandemic on-going and without any communication, this shouldn't have hit my credit report
Consumer complaint received 2022-11-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (HI)

No information was given regarding the account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (OK)

I have an Ulta XXXX through Comenity Bank that has no been updated through the credit bureau since XX/XX/2022. The account is paid off, but my credit report is still showing a balance.
Consumer complaint received 2024-02-13
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. (NC)

Remove the following addresses as they are NON-MAILABLE address : XXXX XXXX XXXX XXXX, XXXX NC XXXX. I instruct XXXX, TRANSUION, and XXXX to remove this non-mailable address. Remove all recent hard inquiries pursuant to 15 USC 1681. Any new inquiries are UNAUTHORIZED transactions. Also, remove any and all CHARGE-OFFS from my credit reports. Charge-offs are considered a certificate of indebtedness and are also considered income. It must be removed or updated to paid on time never late, because you can not report income. It is ILLEGAL to report transaction history! UPDATE IT TO PAID AS AGREED IMMEDIATELY. Pursuant to the PRIVACY ACT OF 1974 and the FCRA ACT. XXXX, TRANSUION, and XXXX  are reporting INCORRECT INFORMATION. All three above-mentioned Reporting Bureas continue to violate my rights when I have written to these Reporting Bureaus on a vast number of occurrences requesting procedural verification methods/investigations and providing me with proof of who and where you confirmed your alleged information that is being wilfully and fraudulently reported. I have counted well over 37 inaccuracies with XXXX, 32 with TRANSUNION, and 17 with XXXX as far as the wrong dates, wrong amounts, incorrect remarks, and much more. Pursuant to 15 U.S. Code 1681n - Civil liability for willful noncompliance, I am owed compensation for your negligence, noncompliance, and knowingly reporting inaccurate information even after investigations have been completed, causing harm, threat, stress, and anxiety to mine and my children 's livelihood. See the attached evidence.
Consumer complaint received 2022-11-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

RBFCU refuses to release the title after I paid in full the vehicle loan.

They are required to do so within 10 days of pay off. 
XXXX said what they are doing is against Texas state law. 
Their reason is because of debt owed on a different account by the co borrower which is not my debt at all. 
I have legal documents of our divorce decree that states that the title is solely mine and not the co borrowers.
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: First Investors Servicing Corporation, Atlanta, GA Branch (GA)

According to my most recent credit report, XXXX and XXXX are currently reporting that I applied for credit with the companies that I'm not aware of. I did not grant them authorization to review my credit report.
Consumer complaint received 2024-02-13
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)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-23
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: EQUIFAX, INC. (LA)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 
9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I HAVE DISPUTED TWO ITEMS WITH EXPERIAN FIRST ONE MORE TWICE THEY HAVE STATED THEY VERIFIED THE INFORMATION WITH STILL HAVING INACCURATE INFORMATION ON MY CREDIT REPORT. 

ACCOUNT # 1- FAIR COLLECTIONS & OUT 1. DATE OPEN IS INACCURATE ( I DID NOT ENTER INTO ANY AGREEMENT WITH FAIR COLLECTIONS & OUT ) 2. A COLLECTION ACCOUNT CAN NOT BE PASS DUE ( I DID NOT ENTER TO ANY AGREEMENT WITH FAIR COLLECTIONS & OUT ) 3. THEY ARE REPORTING A TERM OF 1 MONTH ( AS IF THIS COLLECTION ACCOUNT IS A LOAN ) 4. THEY ARE REPORTING A DATE OPEN OF XX/XX/2018 ( WITH NO INFORMATION IN THE PAYMENT HISTORY FROM XX/XX/2018 - XX/XX/2018. IT SHOWS NO DATA REPORTED ). 

5. PAYMENT HISTORY GUIDE SHOWS COLLECTION AS OF XX/XX/2018, BUT THE DATE THE COLLECTION OPENED IS XX/XX/2018. SO THE ACCOUNT WAS RE-AGED. 

ACCOUNT # XXXX. XXXX XXXX XXXX XXXX XXXX. DATE OPEN IS INACCURATEXXXX XXXX XXXX XXXXXXXX XXXX IS REPORTING THE DATE THEY RECEIVED THE ACCOUNT AND NOT THE DATE OF FIRST DELEQUNICY FROM THE ORIGINAL CREDITOR. 

XXXX. IN ACCUATE ACCOUNT NUMBER ( THE ACCOUNT NUMBER DIFFERS FROM A STATEMENT I RECEIVED. ) SEE ATTACHED DOC FOR HIGHLIGTED DISCREPANCY XXXX. EXPERIAN IS REPORTING A TERM ASSOCIATED WITH THIS ACCOUNT AS IT A COLLECTION ACCOUNT. 

XXXX. EXPERIAN IS REPORTING A PAST DUE BALANCE ( A COLLECTION ACCOUNT CAN NOT HAVE A PAST DUE BALANCE AS I NEVER ENTERED INTO A CONTRACT WITH XXXX XXXX XXXXXXXX XXXX ) PLEASE SEE ATTACHED DOCUMENT TO FURTHER PROVE THE INACCURATCIES ON MY CREDIT REPORT BOTH ACCOUNTS REFERRENCED ABOVE SHOULD BE DELETED.
Consumer complaint received 2022-11-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Augusta Collection Agency, Inc. (GA)

AUGUSTA COLLECTION AGENCY NEVER VALIDATED THE DEBT ( PER MY WRITTEN REQUEST ) BUT THEY ARE STILL REPORTING IT TO XXXX. THIS IS A COMPLETE VIOLATION OF THE FAIR CREDIT REPORTING ACT!!!!! WHICH CAN ALLOW ME TO SEEK DAMAGES FROM THE COLLECTION AGENCY.
Consumer complaint received 2024-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have contacted trans union about this account. They sent a letter twice that this account was removed but it is still reflecting on my credit report.Trans Union reinserted XXXX XXXX XXXX acct. XXXX which is a voilation of the FCRA. Under policy U.S.C 1861i ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( 5 ) ( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i )
Consumer complaint received 2022-11-17
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: The Phoenix Recovery Group (TX)

This company called me and asked if I was the person they were searching for. I told them I was. I then asked the collector to please stop calling, send a verification of debt, validation letter, original contract with my name on it and signed, and the verification that they have the right to collect from me. The lady asked for my birthday and again I asked to have those items and for her not to call anymore or the company. I did not answer about my birthday. She got irate and said she refused to send anything g bevause I did not answer her question.
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (FL)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.
Consumer complaint received 2024-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

I was granted an XXXX XXXX from the XXXX, and Wells Fargo Branch in XXXX Ga, froze my accounts. even after proving I was awarded the grant, the bank manager reported that i was impersonating myself. my account balance was transferred to another account without my permission. three more direct deposits were made to my original account after i was told it was closed. i was not able to use my debit card, nor online banking, nor telephone banking, nor would the bank cash any checks. I have documents as to where XXXX XXXX was alerted as a " HOT ACCOUNT '', my banking information is XXXX XXXX XXXX. also have documents as to where Wells Fargo changed my personal information on Direct deposit and savings account on my credit report. after my accounts were closed. and discovered with documentation that Wells Fargo had opened accounts in my name in XXXX, at no time have i authorized and opened an account with wells Fargo until XXXX so, my identity has been used for the last 12 years without my knowledge.
Consumer complaint received 2024-02-13
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)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
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: Global Lending Services LLC (GA)

According to my most recent credit report, XXXX and XXXX are currently reporting that I applied for credit with the companies that I'm not aware of. I did not grant them authorization to review my credit report.
Consumer complaint received 2022-11-17
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: M&T BANK CORPORATION (FL)

Under the leadership of the Consumer Financial Protection Bureau ( CFPB ) s newest director, XXXX XXXX, the agency is trying to radically reshape the American financial services sector by breaking time-tested bipartisan norms and skirting the agencys legal authority.

By attempting to change rules without accountability, the CFPB is creating uncertainty that will harm consumers by causing financial companies to adjust the types of mortgages, car loans, and personal credit they can offer. 

XXXX M & T Security Attacked my Service Animal on XX/XX/2022, We are both Terminally Ill, also the bank constantly has people outside who use drugs and the building is covered in Graffiti/Or XXXX Related Public Statement Caused by Other Problems I am willing to resolve. 

However I ask that the bank operates only for vegetarians leading to vegans so better represent the XXXX XXXX. 

Please take more steps to eliminate hardships and recognize celebrities when they visit the premises.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX Account number : XXXX, I was a victim of identity theft.
Consumer complaint received 2024-02-13
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)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and DELETION because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX