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. (TN)

The credit bureaus stated my account ( XXXX XXXX Account # XXXX ) was properly investigated but how is that when possible if the date opened is inaccurate, the date last reported is inaccurate, the comments are inaccurate. This is grounds for removal. They also violated my rights under 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer agency can not furnish a account without my written instructions. 
Also the credit bureau took more than 30 days to complete my investigation here is my certified tracking # XXXX
Consumer complaint received 2022-08-02
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: Experian Information Solutions Inc. (TX)

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.
Consumer complaint received 2022-09-21
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: Prosper Marketplace, Inc. (CO)

On XX/XX/XXXX, I was staying at XXXX XXXX XXXX and even though they already had a card on file, they asked for another card to put a {$10.00} charge on just in case I did something to my room. I then noticed on XX/XX/XXXX that they charged my Prosper card for the room rather than the card on file resulting in a {$380.00} charge being put on my Prosper card. I immediately went to the front desk to have it sorted out and the front desk switched the {$380.00} charge to the card that was on file and gave me a receipt of this transaction as proof. They then told me that my Prosper card would have the charge released when I check out on Saturday, XX/XX/XXXX, and, after checking out, I did see that the charge was taken off my Prosper card and I was able to use my card on Saturday. I was able to make two charges on my Prosper card on that day. However, on Monday, I noticed that my card was declined for a cup of coffee and when I checked my Prosper account again, I saw that the {$380.00} charge was back on my account and was recorded as 'pending. ' It's been several days and I have spoken to customer service as well as filed a dispute of this charge as well as made sure to include my receipt in my dispute claim. This charge brings my card over its balance and I'm concerned that they may be engaging in fraudulent behavior in order to charge me extra fees when it comes time for me to pay my bill.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.
Consumer complaint received 2022-09-21
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. (NY)

XXXX XXXX  has a 30 late payment listed on my credit report that is inaccurate. I have made numerous attempts to get this reporting corrected and have not received any response from XXXX. I have been waiting over 90 days. Under the FCRA this late payment should be deleted immediately due to lack of response.
Consumer complaint received 2022-08-01
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. (NY)

Please be advised this is my XXXX WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite XXXX previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX 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 2023-12-29
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. (TX)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-10
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: Experian Information Solutions Inc. (AL)

I spoke with the fraud/security department at XXXX XXXX Bank on XX/XX/XXXX and XX/XX/XXXX. They said they approved my request to have this account removed from all credit reporting agencies because its not mine and the account has a billing different address that isn't mine. This account was opened XX/XX/XXXX. Delete this inaccurate account because its not mine.
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. (AL)

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. 
1. XXXX XXXX acct # XXXX, has violated my rights 2. XXXX XXXX acct # XXXX, has violated my rights 3. XXXX XXXX XXXX acct # XXXX, has violated my rights 4. XXXX XXXX XXXX  acct # XXXX, has violated my rights 5. XXXX XXXX XXXX ( XXXX XXXX  ) acct # XXXX, has violated my rights [ Inquiries ] 6. XXXX XXXX XXXX XXXXXXXX, has violated my rights 7. XXXX XXXX ( XXXX XXXX ), has violated my rights 8. XXXX XXXX, has violated my rights 9. XXXX XXXX XXXX XXXX, has violated my rights 10. XXXX, has violated my rights 11. XXXX XXXX XXXX, has violated my rights 12. XXXX XXXX, has violated my rights 13. XXXX XXXX XXXX, has violated my rights 14. XXXX XXXX, has violated my rights 15. XXXX XXXX XXXX, has violated my rights 16. XXXX, has violated my rights 17. XXXX XXXX XXXX XXXX, has violated my rights 18. XXXX XXXX, has violated my rights 19. XXXX XXXX XXXX XXXX, has violated my rights XXXX XXXX XXXX, has violated my rights 20. XXXXXXXX, has violated my rights 21. XXXX, has violated my rights 22. XXXX, has violated my rights 23. XXXX XXXX XXXX, has violated my rights 24. XXXX XXXX, has violated my rights 25. XXXX 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 ASection 2 : 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 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.

Last four of SOCIAL SECURITY # XXXX  IT WOULDN'T LET ME PUT IT IM THE REQUIRED FIELD, AND THIS WAS THE ONLY PLACE.
Consumer complaint received 2022-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

Fifth Third Bank charged my mortgage escrow account twice for home owners insurance. Once on XXXX XXXX, XXXX in the amount of {$180.00} and once on XXXX XXXX, XXXX in the amount of {$210.00}. I have contacted Fifth Third Bank to remove the erroneous charge from XXXX XXXX, XXXX for {$180.00} but the bank has not resolved the issue and the charges are still applied.
Consumer complaint received 2022-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2022 someone used my Chase XXXX Rewards Card for an XXXX purchase of {$420.00}. I reported this to Chase as soon as I realized the charge, around XX/XX/2022 approximately. I had lost an old wallet that contained this card, and a few other credit cards. Even though XXXX, the merchant, recognizes this charge as Fraudulent as per the customer service call in XX/XX/2022, Chase refuses to credit this charge as fraud.
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

In a accordance with the fair credit reporting act XXXX  account Name : XXXX XXXX XXXX 
Account # XXXX, has violated my rights Account name : XXXX XXXX XXXX Account # XXXX, has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-06-06
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. (CA)

To Whom It May Concern, I am here to challenge information that has been on my account that is inaccurate. At this moment Experian has three different names attached to my consumer account that do not belong to me. Due to potential, identity theft and Experian 's history with data breaches I simply do not benefit from nor do I go by any other variation of my legal name and I am requesting an immediate deletion of this inaccurate information.
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX XXXX ACCOUNT XXXX, XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 Delete the account
Consumer complaint received 2022-06-08
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. (SC)

In accordance with the Fair Credit Reporting act XXXX 


XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I also have inquiries on my credit report that I didn't authorized and unaware of. 

XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXL Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiries XXXX XXXX XXXXL Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX & XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXI Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Transunion Inquiries : XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-06-08
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: WHEELS FINANCIAL GROUP, LLC. (VA)

I really needed to pay bills, so I decided to take out a title loan with XXXX XXXXXXXX is actually XXXX XXXX XXXX in XXXX XXXX, California. My 1st. payment was due on XXXX XXXX XXXX so I tried to use the application on my phone. The app is " XXXX ''. Immediately had issues because you can't make a payment higher than your interest only minimum payment using the app, so needless to say the app is useless! Immediately called XXXX & was told that I could make a higher payment on the phone, but that person had to get an override approval before taking my debit card. The guy asked for my debit card # s, and I then said I wanted to PAYOFF the loan in the amount of {$2600.00} or {$2800.00}. The guy said my card was declined from my bank because of a limit issue. I humorously called my bank " XXXX '', & that guy told me that I not only have XXXX limitations, but they're wasn't any denied transactions in any amount much less the {$2600.00} that loanmart said was denied! XXXX has all transactions recorded, so they told me no charge of {$2600.00} has tried or been denied on our end. I immediately called loanmart where another guy takes me through the process of making a payment, where I immediately get denied for the same exact " limitations from my bank ''. I humorously, " because I smell a scam as I just got this loan, so I'm sure they don't want me to pay it off because that's how they make most of their money ; but that's not my problem! ". So, humerusly I ask the guy to run my card for the interest only {$220.00} minimum, & guess what it worked perfectly! I maybe thought they were trying to run different numbers or some different expiration date or something, but that proved my card was fine! I told the guy why is my card good for {$220.00}, but not the amount of {$2600.00}? He replied with the same XXXX " limitations from your bank '', & I told him I just spoke with the bank and they're are XXXX limitations. I said well since you think my bank has limitations, let 's do ( XXXX ) payments of {$220.00}. He tried the 1st. one & guess what happened ; he said I'm sorry sir but your bank has denied the {$220.00}. What are you talking about, I just paid {$220.00} earlier today! Well sir your bank apparently has limitations, I was livid & told him to take a long walk off a short pier and hung up! Please help me with this XXXX company? All I want is to accomplish ( XXXX ) things from this complaint :. A ). I pay off my Title Loan and get my title back! B ). This XXXX XXXX Bank get shut down or penalized, so they can't continue doing this to human beings in the future! C ). You can imagine how many times this same thing has happened, & people just keep paying interest, so there needs to be penalties for future loan title fraud! Sincerely, XXXX XXXX Thanks Very Much
Consumer complaint received 2024-09-19
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. (FL)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

The following inquiry was not authorized and should not be reporting XXXX XXXX XXXX XXXXXX/XX/year> Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please forward me an updated credit report after you have completed your Investigation and corrections. I have sent numerous prior requests to your organization asking you to check into the validity of inquiries that I believe are incorrectly reporting with you and asked that you remove them from my credit report. Enclosed is a copy of my Identity Theft Report supporting my position. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Your cooperation and prompt attention are greatly appreciated.
Consumer complaint received 2022-06-08
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. (NY)

I desperately need some help resolving the situation at hand!! I've dispute with Transunion, XXXX to no avil that XXXX XXXX is reporting inaccurate credit information on my credit file. Even after being notified. 
XXXX portfolio reports to XXXX as an open account. how can a collection be open? portfolio reports to XXXX a 120 days late payments reported on a collection portfolio reports to XXXX {$1200.00} past due reported on a collection Transunion The date last activity was reaged every month i disputed this account with transunion The date of last activity was re-aged when this collection agency falsely stated that it was " verified ''. This needs to be removed immediately! date last active- XX/XX/XXXX date last active- XX/XX/XXXX date last active- XX/XX/XXXX date last active- XX/XX/XXXX date last active- XX/XX/XXXX date last active XX/XX/XXXX I made complaints to the bbb which portfolio claims that they have no control over how the credit reporting agencies reports how can that be when the information is coming from them. I've attached they response to my complaint along with copy of my credit report The facts are taken directly from my credit report
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting Act the following companies with the following accounts have violated my rights. 
15 USC 1681 Section 602A states I have the right to privacy. 
15 USC 1681 Section 604A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX Acct # XXXX XXXX XXXXXXXX Acct # XXXX XXXX XXXX  ( Original CreditorXXXX XXXX Mobility ) Acct # XXXX XXXX Acct # XXXX US DEPT ED Acct XXXX XXXX XXXX XXXX Acct # XXXX
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Texas Guaranteed (MO)

On Friday, XX/XX/XXXX, I checked my credit report through XXXX XXXX. A new, unpaid XXXX  loan had shown up in the amount of {$44000.00}. The origination date shows XXXX XXXX XXXX I was not in XXXX  at the time. 2 years previously, my husband and I had a loan forgiven for roughly the amount in XXXX  for our service in high needs, low income schools as XXXX When I contacted Trellis, they had no record of the loan and could provide no additional information other than there was no loan in the National Student Database attached to me for that balance. It was suggested I call XXXX as the loan may have originated with them. I called both XXXX and XXXX and neither had record of that loan and I can see in both their dashboards that there is no loan for me. I also have logged in to my XXXX XXXX  account with the federal government and there is no loan there. This is a false report.