davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-26
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. (KY)

I am federally protected consumer approaching the CFPB for assistance with handling a company that has been extorting me for several years. 

XXXX has continually extorted me and pursuant to 18 USC 894, collection of alleged debt is extortion and a violation of federal law. XXXX has also failed to comply with the laws of the GRAMM-LEACH BLILEY ACT, which clearly states that nonaffiliated third parties should not have access to my nonpublic personal information. It is very clear that XXXX has continually extorted me for the purpose of unjust enrichment. 

I recently reviewed my consumer report and unfortunately located major discrepancies amongst it. 

In my recent dispute to TransUnion and XXXX, XXXX XXXX XXXX XXXX certified to TransUnion and XXXX that the information they were reporting was accurate. As a consumer reporting agency, as defined under 15 U.S. Code 1681a ( f ), assembling consumer credit information for monetary fees for the purpose of furnishing consumer reports to third parties, it is your duty to adopt reasonable procedures for meeting the needs of commerce. 

Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) I'm aware that a consumer reporting agency needs the written instructions of I, the consumer, to furnish a consumer report. 

Without written instruction this consumer reporting agency has committed fraud by using my identifying information without lawful authority to furnish this information on my consumer report. If I didn't give you written instruction to furnish such information onto my consumer report, by law its identity theft. The term identity theft as described in 15 U.S. Code 1681a ( q ) and Regulation V 12 CFR 1022 3 is a fraud committed or attempted using the identifying information of another person without authority. I never gave XXXX XXXX XXXX XXXX authority or written instruction to furnish their tradeline onto my consumer report. Please provide the written instruction that I, the consumer have gave to XXXX XXXX XXXX XXXX which has authorized this furnished information. If you can not provide me with these written instructions by me, this has been a fraudulently made consumer report using my identifying information. l am demanding this information resulting from identity theft, be removed. I have not given any written instructions or any permissible purpose for any of the following inaccurate and unverified information to be furnished. That isa violation of 15 USC 1681b, which constitutes as aggravated identity theft in accordance with 18 U.S. Code 1028A. I have attached an FTC report due to the fraud and identity theft pursuant to 15 U.S. Code 1681a ( a ( XXXX ), that has taken place.
Consumer complaint received 2022-06-26
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. (OK)

In accordance with the Fair Credit Reporting Act, XXXX Account Number : XXXX has violated my rights. 


XXXX Account Number : XXXX has violated my rights. 

XXXX XXXXXXXX XXXX  Account XXXX : XXXX has violated my rights. 


XXXX XXXXXXXX XXXX Account XXXX : XXXX has violated my rights. 

XXXX XXXX XXXX Account XXXX : XXXX has violated my rights. 

XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. 

XXXX XXXX Account 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
Consumer complaint received 2022-04-28
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. (CO)

The forced choice questions didn't quite apply to my situation so I apologize if I filled that out incorrectly. My name is XXXX XXXX XXXX and I live at XXXX XXXX XXXX, XXXX XXXX CO, XXXX. Today, at XXXX PM MST I received a call from an XXXX XXXX XXXX ' ( call was from XXXX XXXX XXXX XXXX from XXXX XXXX WV ) that told me someone had used my cell phone number to open an Amazon account. They said the charges were for XXXX XXXX and something else which I was unable to understand given the language difference in the total of {$8500.00}. They asked me if I ever used public wifi ( and I had just returned home from a trip to visit my daughter, so the answer was 'yes ' ). After being put on hold many times and being told that the merchandise would be delivered to XXXX, NY tomorrow, I was told that it was too late to do anything to get the money back and that a criminal investigation would be required. 

Another long hold. Another man came on, XXXX accent, and sounded like the first man, although I was told I was being put through to the fraud department. He told me that these fraudulent charges had been going on for 22 months and they had to figure out who the bad guy was ( insinuating it could be me ). I have had a really tough 2 months and I really got hooked although I have experience things similar to this in the past, yet not as dramatic. Another hold. The guy gets back on the phone and tells me that they have to file a criminal investigation and they were going to call the nearest police department to me to file with that PD. I thought a minute and gave them the name of the PD in my town where I live. Ten minutes later the XXXX XXXX XXXX XXXX calls from XXXX, as if it is XXXX of my contacts. Ironically, and maybe only a coincidence, but my old business phone number was XXXX - I retired with the pandemic ). I was on hold so I 'Hold and Accept ' to receive the call and it is another man with an XXXX accent so this is the first time I consider fraud. I'm really upset and he tells me to 'stop laughing, you could be in big trouble. ' At this point, I tell him that I will head to the police department myself ( XXXX XXXX Police Dept, XXXX XXXX CO ) and I can talk to him there. He says, 'are you disrespecting me? ' He says that he is XXXX XXXX and he's not at the XXXX, then he says he'll meet me tat the XXXX  and that I should bring a criminal lawyer with me. I'm XXXX XXXX XXXX with no arrests- why would I have a criminal on retainer? I went to the XXXX  who helped me determine what steps I need to take. 

I surely appreciate your help in this matter. I'm also taking steps to notify my bank, credit card companiess and credit bureau.
Consumer complaint received 2022-10-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (IL)

Hello. I had BinanceUS account for transferring using and trading money since XXXX. Suddenly on XX/XX/XXXX after I received {$16000.00} in XXXX XXXX deactivated my account without any reason. In that time I already had {$3000.00} in my account plus I have received XXXX equal to {$16000.00}. I have tried contacting with them. Created tickets waited for their response after 6months waiting, they send me email ( Upon completing a review of your Binance.US account, we regret to inform you that we will no longer allow you to use the Binance.US platform. Unfortunately, we can not elaborate further. ) They didn't say why account was deactivated at the first place? Why account closed? AND NOTHING ABOUT RETURNING MY ASSETS MY MONEY BACK. All I want is my money back from them. Please help me out to solve this issue. I would highly appreciate it.
Consumer complaint received 2024-11-21
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. (MI)

I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.
Consumer complaint received 2024-11-21
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. (MS)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2022-04-28
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 (FL)

Disputed a charge on my card due to unsanitary conditions during a 3-night stay at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX , a XXXX XXXX  establishment which advertised affiliation with XXXX. I had reserved XXXX ( XXXX ) suites ( # XXXX and # XXXX ) and during our stay, my brother sustained multiple stings/bites on arms and legs after reclining/sitting on the sofabed of XXXX XXXX XXXX ( this is a pet-friendly establishment ). In addition, we observed roosters/hens entering the rooms when staff walked in to service the rooms. Upon check out on XX/XX/XXXX, while waiting in line, we overheard an XXXX family in front of us complaining about a similar incident, and a young lady lifted the back of her shirt to show several red stings/bites. We, as well, filed a complaint with the front desk, however, had to depart because the injured party and his wife were from New York and needed to catch a flight out of XXXX. After attempts to resolve the problem with a XXXX XXXX XXXX ( supposedly a member of the management team ) by email and phone calls ( have retained info ) went unanswered, I contacted XXXX towards the end of XXXX and an inspection was done by inspector XXXX XXXX (? ). On XX/XX/XXXX ( more than a month after XXXX was notified ), I received a call from XXXX XXXX ( XXXX ) XXXX, who informed me that the inspection had been conducted, however, there was no evidence of pests. Subsequently, on the same day I contacted CapitalOne to dispute the charge of {$1000.00} for XXXX XXXX XXXX. I was told by the representative that a letter would be sent to me the same day with instructions. More than XXXX ( XXXX ) days later, I again contacted CapitalOne and informed them that I had not received the letter, maybe the letter should be emailed to me. The representative stated that this was not possible, but the second letter would be on its way. After not receiving the second letter by XX/XX/XXXX, I contacted CapitalOne again and this time requested to speak to a supervisor. XXXX, the supervisor, was all of the sudden able to email me the letter and instructions, which I am currently following up on. Furthermore, during my research, it was determined that the motel was not affiliated with XXXX and did not have a valid Florida license ( have copy ). In addition, the license/name was changed at least twice from XX/XX/XXXX to XX/XX/XXXX, but is not registered. Had I been aware that this establishment was not affiliated with XXXX, I would not have made the reservations. In the meantime, CapitalOne had initially credited my account, but a week later reversed it and reapplied the charge. I'm suspecting that CapitalOne has delayed processing this claim intentionally. I am hereby submitting all pertinent information/documentation ( please note the establishment name on the invoice and dates of the licenses ).
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2024-12-11
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

I trusted USSA BANK to handle my personal information with care and integrity, but I feel that trust has been violated. Ussa Bank claims that an investigation into my disputed information was conducted, yet I was never provided any details about how this investigation was carried out, who was involved, or what methods were used to verify the accuracy of the information. This lack of transparency not only raises serious concerns about the legitimacy of their process but also leaves me questioning whether they adhered to the legal standards required by law. Furthermore, I was never asked for or provided explicit consent for my personal data to be shared with third parties like XXXX. Sharing my private information without my clear and informed consent is a violation of my rights, and its both troubling and unacceptable. I deserve an explanation, evidence of proper consent, and assurance that my personal information is being handled lawfully and responsibly
Consumer complaint received 2023-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (TN)

On both XX/XX/XXXX and XX/XX/2023, an individual from XXXX, GA attempted a fraudulent purchase using my CashApp card. 

XX/XX/XXXX : I received a fraud alert from XXXX XXXX  asking if a {$490.00} purchase was mine, for a XXXX purchase. I replied NO and they canceled the card to send out a new one immediately. A few moments later, the charge was attempted again, as well as several other small transactions, as seen in the attached screenshots. I reported those transactions as fraudulent to CashApp and requested a new card. Both payment methods were stored in my XXXX digital app. 

XX/XX/XXXX : I received a CashApp notification of a {$30.00} purchase at XXXX, which is another fraudulent charge. I then received an email confirming an Instacart order that I never placed, including the delivery address, which I suspect is the residence of the person defrauding me. I contacted XXXX customer service, they canceled the order, and CashApp gave me my money back.
Consumer complaint received 2022-06-26
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. (NY)

In accordance with the Fair Credit Reporting act The XXXX following accounts, XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX, XXXX XXXX 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 2024-12-10
Product: Credit 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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

On XX/XX/year>, I booked a reservation through XXXX for a rental car in the XXXX for XXXX XXXX XXXX using my USAA credit card. A hold was placed on the card for the full amount of the rental ; however on XX/XX/XXXX, I received a voicemail from the car rental place that they no longer had a vehicle available to fill our reservation and would be cancelling it on their end. Since payment was to be made at pickup, they did not yet have the funds to be able to provide a refund, but assured me that they would be cancelling the reservation and would not charge us since we no longer authorize the transaction since they could not fulfill their end of the contract. I contacted XXXX for a refund and was told that there was an issue with their system and could not provide a refund without a manager submitting it. I was assured that I would receive a refund within 72 hours. I filed a dispute with USAA since the company was not providing what was contracted for in the transaction. We no longer authorized that payment to be made. USAA claims to have investigated the transaction and found it to not be fraudulent. I do not understand how a company can enter a contract, take our money, not fulfill their end of the terms, still charge our card, and somehow not be a fraudulent charge.
Consumer complaint received 2024-11-21
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)

. Subject : Complaint Against TransUnion for Refusal to Update Personal Information Dear CFPB, I am filing a formal complaint against TransUnion, XXXX, and Transunion for their refusal to update my personal information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 
Details of the Issue : Date of Initial Request : XX/XX/year> Documents Submitted : Personal information update letter, driver 's license, Social Security card, and utility bill ( notarized ) Response from TransUnion : XX/XX/year>, stating my request could not be processed due to missing government ID ( which was, in fact, included ). 
Violation of Rights : TransUnion 's refusal to update my information is a direct violation of 15 USC 1681 ( a ) ( 4 ). The FCRA mandates that consumer reporting agencies must handle their responsibilities with fairness, impartiality, and respect for consumer privacy. By not properly reviewing the provided documentation, TransUnion has failed to conduct a fair investigation, thus violating my consumer rights under : 15 U.S.C. 1681i : Procedure in case of disputed accuracy 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy
Consumer complaint received 2024-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (FL)

I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!
Consumer complaint received 2022-10-24
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-11-20
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. (TX)

It has come to my attention that my personal information has been exposed in a national data breach. When reviewing my credit reports, I noticed some accounts that I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my personal information being exposed, I have submitted an FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, a copy of the XXXX report showing my information being exposed in a national breach and a Validation of Debt Letter.