davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-29
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. (NV)

Upon reviewing my credit report, I identified discrepancies with the following account that are adversely affecting my ability to obtain credit. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am formally requesting a procedural investigation to verify the accuracy of the reported information. 

Below are the accounts in question for your immediate review : Account Name : XXXX XXXX XXXX  Account Number : XXXX Please ensure a thorough reinvestigation of this item and provide documentation of your verification process. If the information can not be confirmed as accurate, I expect it to be promptly removed from my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: OPTUM BANK, INC. (IL)

I have alerted Optum Bank to what I believe is a serious security issue in their phone access system. Upon calling their XXXX number, without any other verification your balance is IMMEDIATELY reported back to you when you call. Giving you your FSA balance. This does not confirm the caller is the account owner. While a balance may seem minor, this information could easily be used during a contentious divorce or for nefarious purposes such a manipulating the owner through social engineering by knowing their account balance. I raised this issue with my employer and Optum starting in XXXX with no responses whatsoever other than stall tactics or obvious wrong information about how they identify you. Caller ID is clearly being used to confirm my identity and that can easily be spoofed. 

My understanding based on the GLBA is Section 502 of the Subtitle, subject to certain exceptions, prohibits a financial institution from disclosing nonpublic personal information about a consumer to nonaffiliated third parties. 

Given my phone number is Personal and identifies me, anyone who knows my phone number and can spoof caller id ( many apps in the XXXX  app store ) could obtain this information therefore disclosing my non-public personal information ( account balance ) to the public.
Consumer complaint received 2024-10-29
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. (MD)

Remove all non account holding inquiries I did not authorize anyone employed by these companies to make any inquiries nor to view my credit report. In addition I did not give you ( Credit Reporting Agency ) permission to furnish this incorrect information onto my credit report. 
This is a violation of the Credit Reporting Act Section 1681 ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. The inquiry was not authorized ( XXXX XXXX ). Date of inquiryXXXX The inquiry was not authorized ( XXXX XXXX XXXX Date of inquiry XX/XX/year> The inquiry was not authorized ( XXXX XXXX ) Date of inquiry XX/XX/year> The inquiry was not authorized ( XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Account info Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/year> Status Collection account. {$1.00}, XXXX past due as of XX/XX/year>. 
Status updated XX/XX/year> Balance {$1300.00} Balance updated XX/XX/year> Recent payment - Monthly payment - Original balance {$1300.00} Highest balance - Terms 1 Months On record until XX/XX/year> Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2024-10-29
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. (IL)

I am asking for your help regarding an incorrect account being listed on my credit report, which has affected my reputation as a customer. These accounts should be removed, as they have been reported inaccurately and negatively.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am filing this complaint on my own behalf regarding late payments on my credit record. Upon reviewing my records, I noticed these late payments. Despite sending letters about this issue over 30 days ago, I have not received a response, nor satisfactory validation. I kindly request your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CO)

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-10-22
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: ROBINHOOD MARKETS INC. (NJ)

I just filed a police report with the Summit Police Department in New Jersey. The latest The police report number is XXXX. 

Below are the sequence of events happened with Robinhood : Fraudsters reactivated my Robinhood brokerage account, which I closed in XXXX, withdrew {$1000.00} and {$3000.00} in two transactions from my linked XXXX XXXX account ending in XXXX on XX/XX/XXXX. 

Around XXXX XXXX  on XX/XX/XXXX, I first contacted Robinhood support and alerted them of the fraud activity since I received XXXX text messages with authentication codes between XXXX XXXX  to XXXX XXXX  on XX/XX/XXXX. I requested Robinhood to make sure not to activate the account. Robinhood case number XXXX. 

Around XXXX XXXX  XX/XX/XXXX, I received another text message with authentication code ; another email at XXXX XXXX  XX/XX/XXXX that notified me my personal information has been updated successfully. The login was changed to XXXX. I immediately emailed XXXX, XXXX to report the fraudulent activities. I requested a call back from Robinhood website; was able to speak to XXXX from customer service, and was given a case number XXXX. 

Around XXXX XXXX  XX/XX/XXXX, I called XXXX XXXX to alert them of the fraud activity at Robinhood. XXXX XXXX closed the account ending in XXXX and asked me to go to the XXXX XXXX branch the next day to open a new checking account. Obviously XXXX XXXX didn't put a stop payment to Robinhood at that time, only closed the account. 

Around XXXX XXXX  XX/XX/XXXX, I went to XXXX XXXX summit branch, opened a new checking account ending with XXXX. 

Around XXXX XXXX  XX/XX/XXXX, I saw XXXX posted transactions on the new XXXX XXXX account ending XXXX, XXXX transactions in the amount of XXXX and XXXX with a post date of XX/XX/XXXX. 

Around XXXX XXXX  XX/XX/XXXX, I called XXXX XXXX ; XXXX XXXX filed a fraud claim ( XXXX ) against Robinhood, put on a stop payment to Robinhood ( reference # XXXX ). 

At this time around XXXX XXXX  XX/XX/XXXX, Robinhood status is still reviewing my account. Since XX/XX/XXXX, I emailed them throughout the day everyday alerting them of the fraud activity and requested to freeze/delete my account. And since the fraudster changed information on the account, I can not pass the verification process at Robinhood using my name, SSN, birthday etc. Robinhood customer service and fraud department refused to talk to me. I tried three times this morning and got hung up each time. The fraudster completely took over my account, and Robinhood didn't take any action on the fraudulent account.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

An item that has resulted from fraud which I never benefitted from still appears on my report, it is already deleted by both XXXX and XXXX yet you continue to put this false and fraudulent information on my credit. This is incredibly insulting and a defamation of my character, it's stressing me out knowing that my rights are being violated as a consumer. This is already reported to the Federal Trade Commission but nothing is removed.
Consumer complaint received 2023-08-03
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: The Commercial Collection Corporation of New York, Inc. (CA)

In XXXXXXXX XXXX XXXXXXXX, I left my employer and was asked to repay my sign-on bonus on XX/XX/XXXX. I responded by offering to pay the net amount I received. The company replied weeks later, insisting that I needed to repay the gross amount, citing an accounting error in the fiscal year of XXXX. I requested an exception, considering their delayed response. Over the course of XXXX months, we engaged in back-and-forth communications. 

Throughout this period, I never received any physical mail correspondence to my address, informing me that the debt of {$28000.00} would be sent to collections. 

Fast forward to XX/XX/XXXX, when I received a letter from The Commercial Collection Corporation, signed by XXXX XXXX, demanding immediate payment of the full amount. The letter did not provide instructions for disputing the claim ( attached ). 

Reacting promptly, I called them on XX/XX/XXXX, and XXXX mentioned a potential settlement for {$10000.00}, subject to approval from XXXX. However, I expressed my desire to dispute the debt since I never signed any employment contract, neither digitally nor physically ( attached ). Coupled with the fact I did not hear back from the employer that the debt would be forwarded to a collections agency. On XX/XX/XXXX, I called XXXX again, but her attitude had changed. She asserted that XXXX would only accept the full amount and nothing less, which surprised me since I believe the debt is now owned by the The Commercial Collection Corporation, not my previous employer. Despite explaining my financial constraints, my offer to pay {$5000.00} lump sum immediately was denied. 

After our call, I sent a request in PDF format ( attached ) seeking more information about the debt and average payoff percentages to ensure fair treatment. However, as of the XXXX  of XX/XX/XXXX, I have not received any confirmation of receipt from XXXX.
Consumer complaint received 2024-10-29
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. (IL)

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS
Consumer complaint received 2024-10-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of XXXXXXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit
Consumer complaint received 2024-10-29
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. (SC)

The following accounts were opened fraudulently using my information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; and XXXX XXXX XXXX XXXX XX/XX/XXXX. The following inquires were also made : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported, those accounts, collections, or hard inquiries were not opened, made, or initiated by me. These accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission. In accordance with 15 USC 1681 c-2 c ( a ) and section 605B of the Fair Credit Reporting Act, it is imperative that you, as a credit protection agency , take immediate action to block and remove all information associated with this identity theft from my credit report. This statue mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes fraudulent information.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of human XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX - Account number : XXXX, BALANCE {$5400.00} XXXX XXXX XXXX - Account Number : XXXX, Balance, {$2500.00}
Consumer complaint received 2024-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-10-29
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. (CA)

This account was charged off on the following date : XXXX, 2023. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX, account number : XXXX
Consumer complaint received 2024-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

I was notified ( see attached letter ) from county that taxes were never paid out of escrow. My mortgage account shows the money was removed from my account in may to pay for these taxes ( see attached statement ). 
Initially attempted to call original mortgage servicer ( XXXX XXXX ) but they informed me because my mortgage was sold the new servicer would have to deal with this ( SP Servicing ). 
Had to pay taxes myself because after more than 8 days of attempting to get information from the mortgage company ( called SP servicing XXXX different times and each time told " there is no update on the status of your request '' ), they were not able to provide me with any update. Attached letter sent via mail today to mortgage company ( XX/XX/year> ).
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This reporting agency is in Violation of Timely Payments Regulations : You reported \ '' late payments\ '' on my credit report without defining what constitutes a late payment, which is deceptive and inaccurate. Please remove these innacurate accounts asap they are negativeley affecting my score.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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 Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX and 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 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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 Number : XXXX Account Name : XXXX  Account Number : XXXX and 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 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am not liable for this debt with XXXX XXXX. ( account # Account number XXXX as I have previously filed a complaint with Federal Trade Commission and Consumer Financial Protection Bureau due to Identity Theft because of Data breach. XXXX XXXX  has reported collection on my credit report # Account number XXXX OPENED ON XX/XX/XXXX XXXX XXXX XXXX Account ending XXXX I DO NOT HAVE ANY CONTRACT WITH XXXX XXXX XXXX NITHER DID THEY PROVIDE ME WITH any Original contract with my signature on it with their COMPANY. XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX AC # XXXX Date opened XX/XX/XXXX PLEASE SEE ATTACHMENTS : REPORT FILED WITH FTC and I have also filed a complaint against them on XXXX.