davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX NOTICE : Pursuant to the laws set forth below, you : XXXX, TRANSUNION, and XXXX are in violation of multiple laws set forth by Congress in regard to MY consumer report. YOU : XXXX, TRANSUNION, and XXXX have willfully violated my Constitutional Rights and are subject to penalty fines and/or jail time. 


Pursuant to : 18 U.S. Code 1028 ( a ) ( 1 ) - Aggravated identity theft : ( a ) OFFENSES. ( 1 ) IN GENERAL.Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

Pursuant to : 15 U.S. Code 1681n ( a ) ( 1 ) ( a ) ( b ) ( 2 ) ( 3 ) - Civil liability for willful noncompliance : ( a ) In general : Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
Pursuant to the laws set forth ; I DID NOT GIVE YOU : XXXX, XXXX, AND TRANSUNION, WRITTEN, VERBAL, NON-VERBAL, OR ANY SUCH CONSENT TO REPORT ANY SUCH ACCOUNTS ; CREDIT, EDUCATION, PERSONAL INFORMATION, INCOME, EMPLOYMENT OR SUCH FORTH INFORMATION ON MY CONSUMER REPORT. VERIFY THE WRITTEN LETTER/STATEMENT THAT I SENT YOU GIVING CONSENT AND AUTHORITY FOR YOU TO DO SO. I DID NOT GIVE YOU SUCH CONSENT, THEREFORE YOU HAVE COMMITTED IDENTITY THEFT/FRAUD AND HAVE VIOLATED MY CONSTITUTIONAL RIGHTS. 

I look forward to resolving these violations and hearing from you soon. 
Thank you. 

XXXX XXXX
Consumer complaint received 2020-09-01
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. (PA)

On XX/XX/2020, I disputed addresses on my credit report with Experian. On XXXX XXXX I was told that the addresses were updated. I have never lived at any of the following addresses XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX  XXXX  XXXX, NC XXXX.
Consumer complaint received 2024-02-07
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)

Dear Credit Reporting Agency, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX. 

As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely.
Consumer complaint received 2024-02-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I hope this letter finds you well. I am writing to formally request the removal of the bankruptcy record associated with my financial history. XXXXXXXX XXXX  XXXX, and Bankruptcy XXXX  XXXX XXXX
Consumer complaint received 2020-12-04
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Nelnet, Inc. (MA)

I see multiple 90-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-02-07
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. (MD)

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.

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 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2020 I applied for small business loan but was only approved for a small amount because of negative accounts on my credit report. These accounts don't even belong to me and I've already tried clearing it up with the bureaus and the companies directly. They verify they are inaccurate and tell me they will be removed in their next billing cycle but nothing has been done yet. This is a huge setback for me as a XXXX XXXX XXXX with XXXX XXXX. I need these removed instantly so I can reapply for relief funding to save my business. The accounts that do not belong to me are XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  and XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I'm deeply troubled by the presence of this late payment on my account, as I've consistently made on-time payments. It's causing me significant distress, and I urgently request that you rectify this error by removing it from my account.
Consumer complaint received 2016-06-23
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CITIBANK, N.A. (CA)

I have been fighting this battle Of Identity theft among many Creditors that they believe that the account has been verify as being mine. Macy 's just verify the account by identifying my name and address to be correct and it match their records, therefore the Credit Card accounts are mine, without telling me how they concluded with the investigation of both accounts, No information has been released to me, to let me know about their determination about those Macy 's Accounts, where they can prove I actually made all of the charges on those Credit Card Accounts. Instead what I found out later is the fact that Macy 's all of the sudden created another different Credit Account Number the difference between of both account is the fact the numbers are different ; but the opening date of both accounts are the same and both carry the same balances, Frankly I have never seen anything like it, The problem is that both account are creating a big impact on my Credit Profile and Credit Score because both accounts are close, but the problem is that every month they are reporting that both accounts are over the limit, and also reporting as both being late payments, when in fact both accounts are closed, on top the last payment according to them were received over 4 years ago, per Fair Credit Act and the provisions if the account are over 4 years, and trying to collect a debt are in violation of the statute of limitations in California where I reside, Please see the issues in detail to see If I am correct that there is violations, for example how in the world a Credit company can create XXXX accounts under the same name account holder, and both has the same balance and opening dates. 
This account were reported as of Identity Theft I submitted the Police Report as well as the Federal Trade Commission Affidavit to Macy 's apparently they ignored it, you can find as well the Case Number under FTC. on the police report. 
Also I Wrote a letter to Macy 's as you will see int he attachments dated XXXX XXXX where I am specifying to Macy 's that they have 30 days to provide me with the documents requested it, as of today I have been ignored, it do n't matter the letters Macy 's had sent me stating that the account has been validated but How?, when? where is the Investigation Report? I ask them if you fail to provide such information within 30 days they must Remove/Delete both accounts and Notified the XXXX major Credit Bureaus to update my Profile.
Consumer complaint received 2020-11-17
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: BARCLAYS BANK DELAWARE (MA)

Barclays will not remove the charge off remark from my credit report the account has been settled since XXXX, the settlement letter was offered to change the remark however none of the credit bureaus would accept the letter, I was instructed to get a letter from Barclays stating the account is settled however they say the account is with the XXXX XXXX I called XXXX they said the account is with XXXX XXXX XXXX, Barclays since XXXX someone how marked my account open back in XXXX the account has been closed since 2016 how could it reopen after all this time when Barclays states they do not have access to the account when I offered the receipt of payment and letter stating the account is settled they stated there is no fax and no way of updating it on there end. I have been disputing with the supporting documents and XXXX  keeps saying they do not see my upload, even XXXX XXXX upload feature keeps saying can not complete dispute temporarily unavailable, and XXXX  will not use the evidence provided No the remarks say " Charged off as bad debt Dispute resolved ; customer disagrees '' Please remove Barclay from my credit report Immediately this is my 5th dispute
Consumer complaint received 2022-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Hi, I was charged for a purchase I did not make. I disputed this with Capitol one but they refused to return the credit. They are saying I made this purchase but they are unable to provide me any information or proof for this purchase. Capital One refused to give me any information about the merchant, or the merchandise I supposedly bought. I asked capital One if I could appeal this charge further and they said there was no such process with them. This purchase was for the amount of {$310.00} and posted to my account on XX/XX/XXXX. The listed merchant for this charge is a " XXXX XXXX XXXX '' located in XXXX which I am unfamiliar with and unable to find any information on. 

I attached my credit card statement showing fraudulent charge. 

Thanks
Consumer complaint received 2020-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (FL)

Contacted CEO and many others electronically without response. ( Attached. ) Non-responses equate to fraud. 

Contacted via two XXXX  handles, # Syncrony and # AskSynchrony without response. 

Synchony Bank is not registered to do business in STATE OF FLORIDA i believe. 

Synchony Bank will not produce tax ID, legal name, or registered agent on repeat demand in bad faith. 

Synchony Bank has perpetrated an identity theft with the credit agencies, we have no lawful contract. Additionally they report two different amounts, another act of fraud. 

We require your help.
Consumer complaint received 2020-05-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Concentric Receivables Management, Ltd. (TX)

I have reached out to Concentric Receivables about an alleged medical bill that does not belong to me. I am a victim of identity theft and have asked this company to provide proof that this debt does belong to me yet that have failed to do so. I do believe that this debt is a result of identity theft. I also know that I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to any provider 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 so I am confused as to how and why this company would have anything about me anyway. I am more than sure that I have never had an obligation to pay Concentric Receivables any monies. I also do know that any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. this company failed to even allow me to validate this account that I am more than sure is an account that is a direct result of identity theft.
Consumer complaint received 2020-10-15
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. (FL)

There are currently numerous inquiries and accounts listed on my credit report that I have no knowledge of. These inquiries and accounts were not authorized or initiated by me and was a result of fraud or malpractice.
Consumer complaint received 2017-01-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: U.S. BANCORP (NJ)

My complaint is with USBank. Apparently, they said that they mailed me a letter in XX/XX/2016 alerting me to an increase in my APR from 15.24 % up to 20.49 %. Supposedly this letter said that I could " opt out '' and close my account if I was not agreeable with this change. I have asked for proof this letter, which I never received. First of all, I never received this letter. Secondly, I would have opted out and closed the account. Thirdly, they have since increased my credit line to {$21000.00}. Please help!!
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX, I have mailed out 2 different dispute letters to XXXX and TransUnion yet again i have received an email XXXX XXXX from XXXX disregarding my dispute letters yet again. by law this is wrong on all levels. I can't get no loans, new credit, or lines of credit because of the inaccurate information they are housing or may I add illegally furnishing. month after month I try writing them of these things and to my surprise I get turn down or have to result to making complaints of this matter and I'm getting tired of the back and forward with me having to take matters like this to get heard. this is disappointing and a violation of my rights under the consumer law. I will upload the two letters I sent and they response back. XXXX is the only reporting agency that took me seriously and took all negative items off of my consumer report when writing to them of the inaccurate information. TransUnion and XXXX are not following the rules of the law and delaying me as giving me the run around and now I'm taken legal action against them.
Consumer complaint received 2024-02-07
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. (GA)

Ive called and sent letters to Transunion, XXXX and XXXX. I counted how many times each company violated my privacy ( 15USC6801-6805 ). Transunion had XXXX, XXXX had XXXX, and XXXX had 401 violations. I sent them each a copy of my credit report with highlighted violations 3 weeks ago and havent heard back from any. They also violated 15USC1681c- ( a ) and 15USC1681 ( 5 ) which says they can not put anything adverse on my credit report except convicted crimes, by putting credit card utilization on my credit report thats adverse info. When they add hard credit checks or soft credit checks thats adverse info also. There should only be the name of the credit card and paid as agreed with nothing else. I also asked them on the phone and highlighted all the old non-mailable addresses and phone numbers to be removed.
Consumer complaint received 2022-02-01
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. (MA)

On my TransUnion credit file, the follow inquiries are not correct : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-11-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: South Mississippi Collection Services Inc. (MS)

on XX/XX/2021, usps certified mail # XXXX XXXX XXXX XXXX XXXX ; XXXX # XXXX XXXX XXXX XXXX XXXX, i sent south mississippi collection services letters about the alleged debts of ; XXXX ; XXXX ; and XXXX that I don't owe.I haven't heard from them concerning this matter for over 90 days, my first response was XX/XX/2021, which is a violation also.the law states in 15bUSC 1692E ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. i DO NOT OWE this alleged debt and it needs to be deleted from my credit report before I get a credit counsel
Consumer complaint received 2020-05-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: TD BANK US HOLDING COMPANY (PA)

On XX/XX/XXXX I was trying to transfer money through XXXX from my TD account to my daughters XXXX XXXX account. Due to an error with regard to an email address, the money in the amount of {$500.00} was diverted to a XXXX XXXX account which can not be accessed. Within minutes I called TD Bank who said there was nothing they could do and the money was gone.
Consumer complaint received 2020-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (NY)

I was charged {$150.00} for smoking in a hotel room in XXXX New Mexico. I disputed the charge via email and pdf with barclays purusant to their guidelines and was never given a credit or any updates. They acted in bad faith and did not investigate this charge. I was not smoking in the room and the hotel has not shown any proof that I was smoking in the room. It is conejcture and hearsay.