davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-09
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account XXXXXXXX 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 15 U.S.C 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 2017-03-09
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Mortgage Professionals of Sun Valley, Incorporated (ID)

I called my bank, and was referred to an outsider, XXXX XXXX, for the loan information I was requesting. He text me her info, since I was driving and had no pen or paper. I called her, gave her my information, and she emailed me what else she needed. She told me that I 'd hear back from her tomorrow ( Tuesday ) I emailed at XXXX, text and Called her, with no response until hours later, with " I 'm sorry I did n't receive it back yet, sorry for the delay, hopefully tomorrow '' I tried calling her twice on Wednesday, and received no answer, or call back. I 'm not comfortable that she has all my personal information, is n't with the company I was told she was at, and is n't returning any phone calls, texts or emails. It 's very unprofessional, and nerve racking, since I gave her info to run my credit, and info that could ruin my life. I talked to another lender, and she told me it 's likely if she 's switching companies, that she does n't have her license 's arranged with the new company and ca n't access the system to run my info for a pre-approval. If that 's the case as well, she should 've been up front, open and honest about switching companies. I would 've never given her my info that being the case, because I have a very Time sensitive situation and am needing to see all my options now. Being a first time home buyer, this puts a bad taste in my mouth, and I will be telling everyone how poor of a job she did. Her job history as well, shows that she bounces from job to job, which I wish I knew before. Lesson learned.
Consumer complaint received 2023-03-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I sent Trans Union a dispute via Certified mail with return receipt that they received on XX/XX/2023. XXXX XXXX As you can see, it was sent from my hometown of XXXX  CT, from the post office on the same street that I live on. That being said, XX/XX/XXXX made 30 days and Trans Union had failed to complete the investigation into the disputed accounts on my consumer credit report. It is to my understanding that every account in question that they have failed to investigate now needs to be deleted from my consumer credit report. Attached will be the certified receipt that they did in deed receive the dispute and the copy of the letter I had sent them. I am aware I can now sue in a court of law for violations. If they would like to avoid that, then the accounts they failed to investigate within 30 days need to be deleted from my Trans Union consumer credit report.
Consumer complaint received 2023-03-09
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-03-09
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-03-09
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. (PA)

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

Account name : US Dept of education Account number : XXXX As a consumer, I request to know all the steps your agency took to insure this account were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of verification Description of reinvestigation procedure. I had provided documents from the US Department of education stating that this account should be removed from my credit report & is inaccurate.
Consumer complaint received 2023-03-09
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. (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.

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 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 the crimes which antendates the report by more than seven years.

15 U.S.C. 1681s- ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-09
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. (GA)

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX Balance : XXXX XXXX  XXXX Balance : - XXXX  XXXX : - XXXX  XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX : {$700.00} XXXX  XXXX XXXX XXXX Balance XXXX {$770.00} XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX : - XXXX  XXXX XXXX Balance : - XXXX XXXX  Original creditor : XXXX XXXXXXXX XXXX. XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$730.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Original creditor XXXX XXXX : {$0.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : $ XXXX XXXX  13-dismissed Filed on XXXX XXXX, XXXX Reference number : XXXX : XXXX XXXX XXXX  GA XXXX Bankruptcy XXXX XXXX XXXX on XX/XX/XXXX, XXXX number : XXXX XXXX : XXXX XXXX XXXX  GA XXXX Bankruptcy XXXX XXXX on XX/XX/XXXX Reference number : XXXX Court : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquiredon XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquiredon XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  Inquiredon XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXXInquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXnquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX, XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX 2023
Consumer complaint received 2023-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (MI)

On or about XXXX XXXX, I received XXXX XXXX XXXX XXXX American Express credit cards addressed to myself and for two other individuals that were supposed " employees '' of mine. Names on the cards are below. 
1. ) XXXX XXXX ( Myself - XXXX Business credit card ) 2. ) Not an employee : XXXX XXXX ( XXXX cards, XXXX Business credit card and a Business Prime card ). I will supply one fraudulent credit card number for this report. XXXX 3. ) Not an employee : XXXX XXXX ( XXXX cards, XXXX Business credit card and a Business Prime card ) ) I contacted AMEX Customer Service on XX/XX/XXXX. I explained the applications for all of the cards sent to my business address were fraudulent. I requested the cards be canceled immediately. I was advised by the agent that all of the accounts/cards were canceled. I received a request from AMEX dated XX/XX/XXXX to complete an Identity Theft Declaration to be used during their " U.S. Fraud Department investigation, Ref # XXXX. '' The completed form requested detailed personal information and proof of my identity. I completed the questionnaire to the best of my ability. The notice from AMEX stated I would be advised in writing upon completion of the review. At the time I submitted the questionnaire to AMEX, I chose to utilize my rights under the Fair Credit Reporting Act, 15 U.S.C. 1681sec 609 ( e ). I requested copies all of the pertinent business records as identified in 609. I received two ( 2 ) notices from AMEX one on XX/XX/XXXX and one on XX/XX/XXXX notifying me of the internal review ( s ) taking place regarding my reported issues ( as described by my letter dated XX/XX/XXXX. ) Ref # XXXX and XXXX. As of todays date, XX/XX/XXXX, I have not received any additional information regarding the AMEX investigation / review, nor have I received any correspondences regarding my request per the FCRA. 

The beginning, how it started : On XX/XX/XXXX, I received a letter from XXXX XXXX ( dated XX/XX/XXXX ) that alerted me to " unusual activity '' by an " unknown party accessed customer accounts, '' which includes My Business online account. Per the XXXX notification, detailed information obtained may include " name, telephone number, billing address, price plans, and other service-related information. '' On XXXX XXXX XXXX, I contacted my local law enforcement agency at XXXX XXXX MI XXXX XXXX XXXX XXXX Email : XXXX, Report number : XXXX. I also reported this issue with all of the credit reporting agencies to place a Fraud Alert on my account. I also contacted the Federal Trade Commission ( FTC ) # XXXX, # XXXX and the Social Security Administration.
Consumer complaint received 2023-03-09
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. (NJ)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-09
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. (MO)

In accordance with the Fair Credit Reporting Act. The list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under law 1562 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX Account number : XXXX Account Name : XXXX XXXX XXXX Account number : XXXX Account Name : XXXX XXXX XXXX Account number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Name : XXXX Account Name : XXXX XXXX  Account Name : XXXX Account Name : DEPT OF ED/XXXX Account Name : 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. States : It also states a consumer reporting agency can not furnish a account with 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 than adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s- ( A ) ( 1 ) A person may 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 2023-03-09
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. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2023-03-09
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. (SC)

I submitted this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$630.00}
Consumer complaint received 2023-03-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MO)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America closed out my business account and have refused to send out the balance on my account of over {$80000.00}. They have been doing this to a lot of people and it has to be illegal for the bank to close an account and hold on to funds that do not rightfuly belong to them,
Consumer complaint received 2023-03-03
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. (TX)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or a list of Inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 an 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 or 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 2023-03-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Commonwealth Financial Systems, Inc. (TX)

In accordance with the Fair Credit Reporting Act ( COMMONWEALTH FINANCIAL ) ( 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, also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-03-06
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: Experian Information Solutions Inc. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-03-03
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 (CA)

This complaint is about a Barclays Bank Delaware AAdvantage Aviator Red Mastercard. 
I was on an XXXX XXXX flight in XXXX and they were offering a deal to open an Advantage Aviator card without the {$99.00} fee for the first year. When I got home I tried to access the deal online to apply for the card. After signing up for the card I realized they were going to charge me the fee to open the account. I called to try to correct it within the hour. I closed the account within an hour of opening it. I was assured that the account was closed. 
Following that I began getting calls about a small balance. I think the balance was the yearly charge of {$99.00}. I spoke with multiple persons and told them the account was closed less than an hour after I opened it. I never saw the card in the mail. I did not receive statements. I never put any charges on the account and repeatedly tried to close it. Then in XXXX I was told there was a balance of over {$5000.00} on the card from a balance transfer. I never transferred any balance from any other account and told them that. I again told them I had been trying to close the account since less than an hour after it was opened. I would be repeatedly transferred from person to person when trying to dispute the charges. I was asked personal information such as my social security number and card number, which I didnt know since I never received the card. I was repeatedly assured that the account was closed, including an hour after opening the account. I was never given any information as to what account the balance was transferred from. I believe my information was used by someone else unknown to me to make a fraudulent transfer. 
Now they have referred the account to a collection agency and I received a letter stating I owe {$5400.00} to XXXX XXXX XXXX, XXXX. for an account ending in XXXX. 
Please help! I believe this is a scam. 
Sincerely, XXXX XXXX