davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-10
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. (CA)

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 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 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 2023-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

My Bank of America account is closed ( i requested ) i cant have correct date and amount but it will be in day or XXXX difference. 
My business credit card was charged for offset payment for XXXX $ and my checking account was left with XXXX XXXX I am going trough hardship and cant afford regular daily expenses. They took money on XXXX or XXXX of XXXX, 2023. I called many times and tried to get written explanation based on what state or federal law they can leave me with XXXX $ and without my contest take the money away. I was able to talk to escalation manger and he told me that based on my agreement they can do that. Paragraph XXXX as he mentioned. I believe that agreement is unlawful and should be voided. I feel my rights are hurt, i cant pay my rent now. This money should be taken only if court approves in my opinion. 
I need protection and help, cant afford lawyer. 
Thank you! 
Best way to be reached is my email.
Consumer complaint received 2023-12-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I hope this letter finds you well. I am writing to address a matter of urgency regarding late payments that have been inaccurately reported on my credit account under your bureau. 

Upon reviewing my credit report, I have identified instances of late payments that I believe to be inaccurately reported. I understand the importance of maintaining accurate and up-to-date credit information, and I am committed to ensuring the integrity of my credit history. 

I kindly request that you investigate and, if necessary, correct or remove the reported late payments from my credit report. I believe that these inaccuracies do not reflect my true financial history and are adversely affecting my creditworthiness. 

XXXXXXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXX XXXXXXXX. customer service representative. XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

Enclosed with this letter, please find any supporting documentation or evidence that may assist you in your investigation. 

I am confident that your organization values accuracy and fairness in credit reporting. Therefore, I trust that you will take prompt action to rectify this situation and ensure that my credit report accurately represents my financial responsibility. 

I appreciate your attention to this matter and request a written confirmation of the corrections or removal of late payments from my credit report within 15 business days from the date of receipt of this letter.
Consumer complaint received 2022-09-22
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. (NJ)

on XX/XX/2022 I have sent certified letters to XXXX, XXXX and Transunion regarding my bankruptcy information which was obtained from the XXXX XXXX  XXXX that has violated federal and New Jersey privacy laws. I have obtained a copy of my credit report that clearly shows that all three credit bureaus have different information and different filing dates. I have received correspondence from The XXXX XXXX  XXXX that they do not report or provide information to credit bureaus or agencies. I have sent to the 3 Credit Bureaus an Affidavit of Fact that my private court records have been violated.
Consumer complaint received 2023-12-28
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: Webcollex, LLC (NY)

To whom it may concern, I am writing to inform you that CKS Financial has no legal authority to collect any debt from me in the state of New York. According to the XXXX XXXX XXXX XXXX ( XXXX  ) Consumer Access website ( XXXX  ), CKS Financial is not licensed or registered in New York as a debt collector, debt buyer, or any other type of financial service provider. 

Therefore, I demand that you cease and desist from any and all attempts to contact me, my family, my employer, or any other third party regarding this alleged debt. I also demand that you remove any negative information that you have reported or may report to any credit bureau or credit reporting agency about me. I further demand that you restore any points that you have taken off my credit score as a result of your unlawful collection activities.

This is a violation of the Fair Debt Collection Practices Act, the New York Debt Collection Procedures Law, and any other applicable laws or regulations.
Consumer complaint received 2022-06-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/22 my checking account at Chase Bank was charged {$610.00} for a transaction that was done by XXXX XXXX, in XXXX, XXXX, for XXXX flights from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and then from XXXX XXXX XXXX XXXX back to XXXX XXXX for 2 women named XXXX and XXXX XXXX XXXX This info I received by e-mail from XXXX XXXX confirming flight information. As soon as I saw the charges on my account, which was XX/XX/22, I notified my bank, and that debit card was replaced with a new one with a different #. I filed a dispute with their Consumer Claims Dept., and at first they took the charges off of my account, and then put them back on. I called to find out why and was told that after investigating the transaction, they decided that I either made or authorized the transaction. I have been banking with Chase for about 20 years, and have never made a transaction like this, and I have never authorized or let anybody use my debit card. I contacted Chases Consumer Retail Dept. and they responded saying that the merchant had proof that I benefited from this transaction and that the case was closed. I wrote them back saying I never made or authorized this transaction, and was told the case was closed and I would receive something in the mail. One other thing the bank did send me an " unusual or suspicious transaction notice '', but had already allowed the transaction to go through. When I asked them if they knew the transaction was " unusual or suspicious '' why did they allow it, instead of putting a stop or freeze on it, they wouldn't answer me. The claim # I filed with my bank is # XXXX. Please help me, I don't know where to go or who to talk to. Personally, I think XXXX XXXX or an employee of theirs committed this fraud, but I don't know. My bank knows what my transaction history is and they should have never allowed this to even happen.
Consumer complaint received 2024-09-11
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. (GA)

I filed a dispute with the company for two XXXX accounts that XXXX found to be placed on my credit in error the company has refused to remove these inaccuracies after I provided proof from XXXX the company falsely used the FCRA to keep reporting inaccurate accounts on my credit profile when requested proof of accuracies the company failed to provide any documents to support the inaccurate accounts, XXXX {$1300.00} report date XX/XX/XXXX XXXX XX/XX/XXXX {$5100.00}. refer to 1501 U.S. Code 1692 ( g ), 1501 U.S. Code 1692 ( c ).
Consumer complaint received 2022-06-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day I have not received a response yet. I feel I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives reason to immediately remove these items from my credit report. I demand this collection be removed from my credit report or I will file for litigation due to stress you have caused all this time.
Consumer complaint received 2022-09-21
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. (IL)

It's been WELL over 30 days since my first attempt to get PROOF and MY SIGNATURE and or the ORGINAL application or contract that Okayed any of these companies to view my credit ON ANY DATE or a specific date due to a duplicate inquiry or no consent. 
Legally these inquiries have to be removed!! I have attached the list and all are INCORRECT/INACCURATE/DUPLICATE/NOT APPROVED by me. My last 3-6 request to get these removed shows the laws you let these companies and are now violating.. 

Show proof of an open account or the orginal DENIED application with my signiture PLUS proof I wasn't denied due to OTHER INQUIRIES that should had not appeared on my account.
Consumer complaint received 2022-06-10
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: PENTAGON FEDERAL CREDIT UNION (CA)

I needed a co signer to purchase a vehicle at XXXX XXXX in XXXX XXXX. I was approved on paper that we had both signed, then days later said I was denied. The dealership ran my credit and my co signers credit without our approval in desperate attempt to get a bank to approve the loan. I had told them if these aren't the rates or the bank doesn't approve do NOT keep trying. I didn't want to ruin my score more than it did as well as the co signer. After not being approved I told them I would return the car and pick up my trade in that they tried to rip me off on. The manager XXXX came at me very rudely and pushy in attempt to sell me a different car. He tried scaring me that my car was going to break down and it would leave me stranded, ( when my vehicle passed all of the safety tests or whatever they check when you trade in a car. It took 3 weeks to receive my refund on my down-payment which was very frustrating, on top of them issuing the check to the co signer when I was the one to purchase the vehicle. They damaged my subwoofer/Amp when they removed it from my vehicle. The general manager wasn't any better he answered the phone unprofessionally by saying who's this? Then offered a free tank of gas for all of the trouble when that doesn't fix any issues. I live 1.5 hours away for that tank of gas by the way. I cant believe the disrespect of this dealership to talk to a female shopping for a vehicle and causing so much damage to 2 people 's credit score out of desperation to sell a vehicle. He talked to me like I couldn't afford a vehicle and that my car was pretty much garbage when they were going to make XXXX on it.
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$920.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$4400.00} XXXX XXXX  XXXX XXXX Balance : {$5700.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$2700.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$540.00} XXXX XXXX  XXXX XXXX Balance : {$3000.00}
Consumer complaint received 2022-06-10
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: Mobiloans, LLC (MS)

Mobile Loans has reported a false information to my transunion report recently. They claim the account which was opened in XXXX of 2019 and closed in XXXX of 2019 was a revolving account and that is was charged off with no payment history, no last activity, no scheduled payment of account closed designator. this is a scam company. how can this be a revolving account like a credit card or line. this is clearly a high interest loan company due to my research. This account needs to be removed immediately. I've tried to explain this to transunion, but they hang up on me. none of information from this legal or accurate. 

They also violated my rights under 15 USC 1681s-2 and 15 USC 1681 section 602 A
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (WI)

On XX/XX/2022 my credit score changed on all 3 credit reporting agencies. On paper it shows with Equifax and XXXX that my credit score went up XXXX FICO points. They refuse to report it online. 2 months ago I sent a research request form to Equifax to change my credit report online. No response. I have requested XXXX to call me back and change my credit score online no response. Right now I only care about XXXX because XXXX  XXXX XXXX only works with them. I am trying to get a mortgage. All three credit reporting agencies should give me more than XXXX FICO points back. I had a XXXX late payment deleted from my record but all credit reporting agencies refuse to give me all of my points back.
Consumer complaint received 2022-09-21
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. (CA)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy. 

1.XXXX  XXXX Account # XXXX 2.XXXXXXXX XXXX XXXX Account # XXXX 3.XXXX XXXX  XXXXXXXX XXXX  Account # XXXX 4.XXXX XXXX Account # XXXX 5XXXXXXXX XXXX XXXX Account # XXXX 6.XXXX XXXX XXXX Account # XXXX 15 USC 1681 section 602 A . States i have the right to privacy.

15 USC 1681 section 604 A. It also States a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 conviction of crimes which antedates the report by more than seven years.

15 USC 1681 section 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 2022-06-10
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: PRIMARY RESIDENTIAL MORTGAGE (ID)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-09-22
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. (PA)

Fraudulent Activity XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I want to report these authorizations/ hard inquire as fraudulent activity and I do not recognize any of these loans or hard inquires this is actually a shocker to me being that I always check my credit score. I noticed this first on XXXX XXXX when I checked my credit report on XXXX XXXX and noticed these hard inquires.
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I found errors on my credit report for both accounts below XXXX XXXX and XXXX  XXXX XXXX accounts. XXXX, Transunion, and XXXX are reporting information about me which are inaccurate. All three credit bureaus are reporting different high balances on this account and do not show the same opening date. As they are aware they can only be One high balance on an account and One opening date. 

All the 3 bureaus are in violation of 15 U.S. Code 1681- Congressional findings and statement of purpose ( 1 ). The banking system is dependent upon fair and accurate credit reporting. 

DELETE the following accounts immediately for failing to comply with the FCRA. XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion XXXX a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The reported late payments for XXXX and XXXX, XXXX are incorrect. I made the payments on time, as confirmed by my bank statements, which show that the payments were processed and cleared. The late payment status of " 30 days late '' is, therefore, inaccurate and should not be reflected on my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-06-10
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. (AL)

Experian, XXXX, and XXXX are all illegally reporting my information without my consent. Violating FCRA laws it is under my understanding that all debts that have been paid in full can not be reported as late nor can any debt be reported without my consent that is a violation of the law and considered identity theft. according to 18 U.S. Code 8 - Obligation or other security of the United States defined U.S. Code Notes prev | next The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

( XX/XX/1948, XXXX. XXXX, XXXX XXXX. XXXX. )