davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I submitted a credit repair request to all 3 bureaus, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-02-21
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022 I filed a complaint with CFPB for identity theft with all three credit bureaus. ( see attachment ) and then sent a handwritten dispute on XX/XX/2022 to all three credit bureaus stating the same. After their investigation, Transunion deleted XXXX XXXX ( account number XXXX ) however, XXXX and XXXX elected to leave it on my credit file. ( PLEASE DELETE THE ACCOUNT ) They stated that it was verified as accurate. How did XXXX and XXXX verify the account as accurate? First and foremost I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. Secondly, if all three bureaus did their due diligence in investigating the dispute they would have deleted all the accounts in question. TranUnion stated that XXXX XXXX XXXX ( account number XXXX amount {$6500.00} ), ( account number XXXX amount {$1700.00} ), and ( account number XXXX amount {$250.00} ) were verified as accurate. How so when the date of the last payment doesn't match with XXXX 's reports ( see attachment ) whom also stated the accounts were accurate and verified. The Information reporting has to be 100 % accurate. So if an investigation was completed then all credit bureaus should be reporting the same information but they are not! After XXXX 's investigation, they stated that the accounts XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX were verified as accurate and modified. If the investigation took place why are there discrepancies in my credit file? XXXX has also reported that payments were made in the last 3 months on the charged-off accounts. ( SEE ATTACHMENTS ) This is unacceptable. All three bureaus are in violation of my consumer rights and I just wish they'd do what's fair and equitable to me as the consumer by deleting the items. It's their obligation to make sure that the information reporting is accurate and relevant and they've failed to do so.
Consumer complaint received 2023-02-21
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have been making requests to further investigate the accounts referenced in the attached letter for the last 6 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA.

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Consumer complaint received 2023-02-21
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. (GA)

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 XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX  Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or list of inquiries 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 2023-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (PA)

I was a XXXX  in 2011, I had a loan and checking account set up with Wells Fargo. I would constantly get changers overdraft fees for going over even when I asked for overdraft protection. 

I believe I was apart of 1  of the 16 million Americans that was overcharged on these fees and/or the interest on my account.
Consumer complaint received 2023-02-21
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. (GA)

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 XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 2023-02-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I sent a letter and recently reviewed my credit file and unfortunately found that some of my personal information was incorrect you are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit profile within the next 30 days. If I dont receive any updates from you during this period, i know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately. 

To whom it may concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

Account Name 1 : Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly ACCOUNT NUMBER DATE OPENED LAST REPORTED DATE LAST ACTIVE AND DATE OF LAST PAYMENT XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX I demand that any and all late payments be removed as you in clear violation of 15 U.S. Code 1681 e ( b ) failure to provide maximum accuracy among all credit reporting agencies.Failure to comply with my demand is a violation of 15 U.S. CODE 1681In - a In general Any person who willfully falls to comply with any requirements imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damaged of not less than {$100.00} and not more than {$1000.00} or ( 3 ) in the case of any successful action to enforce any liability under this section the costs of the action together with reasonable attorneys as determined by the court and also violation of 15 U.S. Code 1681o Civil liability for negligent noncompliance - ( a ) IN GENERAL Any consumer is liable to that consumer in an amount equal to the sum of - ( 1 ) Any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section. The costs of the action together with reasonable attorneys fees as determined by the court. I am fully prepared to file for litigation and contact the Consumer Financial Protection Bureau, and better business bureau if you do not comply with my demand!
Consumer complaint received 2023-02-21
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. (TX)

In accordance with the Fair Credit Reporting Act, 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.

- I did not give any written instructions to furnish an account to any consumer reporting agency.

In accordance with the laws of the Fair Reporting Act, the following companies have violated my rights. 
1 ) XXXX  Account # XXXX XXXX ) XXXX XXXX XXXX XXXX  Account # XXXX 3 ) XXXX XXXX  Account # XXXX 4 ) XXXX XXXX XXXX Account XXXX XXXX 5 ) XXXX XXXX XXXX XXXX  # XXXX 6 ) XXXX Account # XXXX 7 ) XXXX XXXX XXXXXXXX Account # XXXX 8 ) XXXX XXXX XXXX  XXXX XXXX 9 ) XXXX XXXX XXXX Account # XXXX 10 ) XXXX XXXXXXXX XXXX Account XXXX XXXX 11 ) XXXX XXXX Account XXXX XXXX 12 ) XXXX XXXX Account # XXXX 13 ) XXXX XXXX XXXX XXXX Account # XXXX 14 ) XXXX Account # XXXX 15 ) XXXX Account # XXXX 16 ) XXXX XXXX XXXX Account # XXXX 17 ) XXXX & XXXX XXXX Account # 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.
Consumer complaint received 2023-02-22
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. (IL)

I AM A VICTIM OF IDENTITY THEFT. I SENT COPIES OF MY OFFICIAL POLICE REPORT AND DISPUTE LETTERS OF THESE ACCOUNTS BY CERTIFIED MAIL SEVERAL TIMES TO THE CREDIT REPORTING AGENCIES, HOWEVER THE ACCOUNTS ARE STILL REPORTING WITH NO DELETION OF THESE FRAUDULENT ACCOUNTS. ACCORDING TO THE FAIR CREDIT REPORTING ACT I HAVE RIGHTS UNDER 15 USC 1681 THAT HAVE BEEN VIOLATED. THESE ACCOUNTS LISTED BELOW HAVE VIOLATED THE FOLLOWING LAWS LISTED BELOW XXXX XXXXXXXX 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 : states a consumer reporting agency can not furnish an account without my written instruction.

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, 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 or has reasonable cause to believe the information is inaccurate.
Consumer complaint received 2019-12-13
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: Experian Information Solutions Inc. (FL)

I have consistently for several years been stating to Experian that they are reporting a credit card account XXXX XXXX on my credit report for years, An account that has been closed and charge-off as well for years. Also, an account that I have persisently stated is a fraudulent account. Today they updated my report and stated there was a new late added on to this fraudulent account which has been closed and charged off for several years, causing my credit score to drop 60 points, how is this right? How is LEGAL to continue this BLATANT ABUSE, they ruined my credit over this account,  someone please help!
Consumer complaint received 2019-12-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (FL)

I have worked 7 years and 10 months in Public Service. Great Lakes and FedLoan are not giving me credit for this time despite them knowing I was working in Public Service on a Repaye program. They won’t even provide me all my loan documents. They advised me. I knew when I graduated my plan was to work in Public Service and they were aware and advising me. They will not give me my documents without a subpoena??? This needs to be a class action lawsuit. I don’t mind working off my loans, but public service does not pay and this program is a JOKE!!!!!
Consumer complaint received 2022-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (AR)

This is XXXX XXXX submitting this CFPB complaint to you today to inform you that I was a victim of identity theft and the Account you are reporting on my Credit File was the result of such crime. Under the Fair Credit Reporting Act, I have the rights to dispute any accounts and information that resulted XXXX to identity theft and have them removed completely from my Credit File. Under the provisions of the Fair Credit Reporting Act section 605b, I am requesting that you stop your erroneous reporting and have the account : LVNV FUNDING ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$620.00} ; removed from my Credit file as soon as possible. The Account I am disputing does not relate to any transactions that I have made or authorized.
Consumer complaint received 2023-02-21
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. (GA)

In Accordance To The Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify. Erroneous and Misleading Things Of My Credit Report. 


XXXX XXXX XXXX Dept EdXXXXXXXX XXXX Dept Of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  15 U.S.C 1689 Section 604 A.Section 2 : it also states a consumer reporting agency can not furnish a account without written instructions.

15 U.S.C. 1681 section 602 A.Section I have the rights to privacy.
Consumer complaint received 2023-02-21
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. (TN)

Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
You were advised by me on ( XX/XX/2022 ) by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation.
Consumer complaint received 2023-02-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I tried to use their fraud services to retrieve {$3200.00} from a fraudulent XXXX transfer which they said I was cancelling it. I reported it the minute it happened and just now kin XXXX they are saying we can't do anything. The fact that they couldn't even stop it the minute it happened I don't understand when people cancel transactions days old. And I'm shocked with banks and fraud insurance they couldn't even get {$1000.00} back. It took me forever to save that money and the fact I gave bank of america 13 years of being a customer and they could not do literally anything to help since the beginning is wild to me. I was told to leave a complaint here by friends and family I really hope this belps.
Consumer complaint received 2023-02-21
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. (TX)

In accordance with Fair Credit Reporting act convergent account XXXX XXXX XXXXXXXX CLIENT ACCOUNT NUMBER # XXXX XXXX  ACCOUNT NUMBER # 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 166b A Creditor MAY NOT treat a payment on credit account under an open and consumer credit plan as late any reason.
Consumer complaint received 2023-02-21
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 and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2023-02-21
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I went to the car dealership and I had my credit ran more times than I agreed to. Here are the companies that I did not authorize the dealership to run my credit with XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-21
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. (PA)

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 XXXX XXXX # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXXXXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX XXXXXXXX : # XXXX, XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  ) : XXXX XXXX, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX BANK XXXX XXXX XXXX ) : # XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) : # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX PA ) # 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 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Remove the address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX does not belong. please remove XXXX XXXX XXXX from my address file As soon as possible. 

the only address that belongs is XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX