davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

I am reporting XXXX AGAIN! They have NOT corrected my credit report. I have filed XXXX reports and sent proof of what the balance should be. I also spent my LAST XXXX on XXXX XXXX to overnight them PROOF my student loans should have a XXXX balance because they were consolidated but they REFUSED to change it. Not only that I sent a letter showing what companies had my PERMISSION to pull my credit report. I was told by a representative to call the people on my report and get a letter saying they didn't have permission to pull my report. I was informed that I could NOT get a letter because they DON'T know me. IM SICK AND TIRED OF DOING THEIR JOB. THEY ARE RUINING MY LIFE. Not only is this stressing me out I suffered a XXXX XXXX from ALL the stress they have put me under. I WANT JUSTICE!!!! 
When I contacted your company, it said the case was closed. This is what I sent to your company before. 
I applied for an XXXX loan through XXXX banks and was told by the last bank that I had an XXXX number of inquiries on my report. I look at my credit report and noticed I had XXXX companies that pulled my report without my approval. I then contacted the credit bureaus and disputed them. Within XXXX hours I received a message saying my disputes were resolved. There is NO way they contacted the companies and verified those accounts. I did the dispute around XXXX on XX/XX/2023 and received an email at XXXX on XX/XX/2023 saying it was resolved and that they will remain on my report for XXXX years. Because I am a realtor, I understand how too many inquires can affect your XXXX XXXX. I am asking that you investigate this and have all the ones I did NOT authorize removed ASAP. If you have any questions, I can be reached at XXXX or by email at XXXX if I DO NOT GET JUSTICE BY XXXX XXXX, I WILL FILE A LAWSUIT AGAINST YOUR COMPANY AS WELL AS XXXX. 
I am also including XXXX and Experian
Consumer complaint received 2022-11-28
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. (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, 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 2023-12-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To whom it may concern : I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted STANDARD of XXXX XXXX data field reporting. The information has not been proven to be true, correct, or verified.I challenge the reportability of any such claims. According to the federal and state laws that apply to me, you are required to report information accurately and completely.You should not keep or report anything that you know is not in compliance with the law or regulations.Please certify that all claims are true and accurate, complete and timely reported. If not, please delete immediately.
Consumer complaint received 2023-12-26
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: EQUIFAX, INC. (FL)

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 XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX Balance : {$1600.00} XXXX XX/XX/2022 XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2024 my password didn't work on TransUnion website. After retrieving my online account, I discovered that someone hacked into my online account and changed the password and email address on file. I corrected all information again instantly. 

On XX/XX/2024 I contacted TransUnion fraud department and spoke with an agent named XXXX XXXX ref # XXXX ) and explained someone hacked into my account. I asked for an extra layer of security on my account such two-factor authentication or email/text notification services. XXXX declined that such services are not provided at TransUnion and was able to put a fraud alert on my account. 

On XX/XX/2024 I discovered that a credit freeze has been temporarily lifted on my online account. I instantly put the freeze back on and called. I spoke with XXXX XXXX ( File # XXXX ) who confirmed that someone earlier called in and made a verbal request to lift the freeze with my personal information including social security number. I asked if they can provide any extra layer of security on my online account such as two-factor authentication. She stated that TransUnion doesn't provide such services. When she was trying to put a password on my credit security, she notified me that she is not able to do that anymore because the system blocked the credit freeze feature on my account. She furthermore confirmed that the credit freeze can be requested by only mail and you only need a written letter and a copy of ID. 

I suspect that this person has a copy of my ID along with other sensitive personal information and I'm not feeling confident with TransUnion 's capability to protect my credit. There has been multiple attempts by an unknown person to break into my account and to lift the credit freeze. TransUnion agents are not able to provide any security measures to further protect my credit and information.
Consumer complaint received 2022-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (LA)

XXXX XXXX  I was suppose to receive my paycheck. However it never came, I ask what could be done and they said nothing that it was up to my employer. I went to have a conversation with my employer, and they stated that they had sent my payroll XXXX XXXX. I called chime back to tell them what my employer said, however this time they said they still had nothing to do with it and maybe it was just a hold, and instead of helping they tell me to just wait it off. From XXXX XXXX  until now which is XXXX XXXX  and I have still have not received my payroll, and sadly they continue to tell me just wait on it because we have nothing else to do about it.
Consumer complaint received 2023-12-28
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Delays with the closing process
Company: DISCOVER BANK (PA)

I received an email from XXXX XXXX the senior loan processor for Discover Home Loans on XX/XX/2024 stating that they are unable to proceed with the application and the application will result in a decline due to the requested documents not received. I have always submitted all documents requested in a timely manner especially the income documentation. There was an issue months ago when XXXX XXXX stated she was having issues contacting The Port Authority of NY & NJ, my employer. I explained to her that my employer uses XXXX to verify its employees. I gave her XXXX 's information : email : XXXX ; telephone number : XXXX option 4, and Fax : XXXX. I can only conclude that there is another reason as to why this loan was rejected considering I already supplied all requested documentation and also there was never a new request for additional information for this loan from anyone at Discover Home Loans.
Consumer complaint received 2022-11-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (GA)

On the XXXX of XX/XX/2020, I tried making a transfer from my chase checking account and I was not able to and was told to visit a chase bank branch to complete my transfer. 
I went to a branch the XXXX of XX/XX/2020 and met with a bank manager, He further went to tell me to notify my family members who sent money to my chase account to walk into a chase branch with XXXX forms of ID and verify the transactions and have the bank branch give him a phone call... 
I was able to get my family member to do this but when they got it done they were informed that my chase account is no longer active .... 
My account had been closed on the XXXX of XXXX, I reached out to the bank again and asked why my account was closed and they didn't give me a solid reason, they only just told me they will mail me a check of the funds I have in my account within 90 days ... I had a total of {$10000.00} in my account and was furious because the funds were mean to take care of my medical bills and my child 's college bill, I waited and waited and waited and up till this very day I never got my check or my funds in my account..
Consumer complaint received 2024-10-15
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: EQUIFAX, INC. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2023-12-26
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. (NY)

It has come to my attention that these items are not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. According to the FCRA if any items are reporting inaccurately on my credit report they should be removed immediately XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX : {$2900.00} ; XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XX/XX/2023 XXXX
Consumer complaint received 2023-12-25
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)

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.

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 2024-01-11
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. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-12-25
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. (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.

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 2024-10-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

noticed that a XXXX a recoverable corporate advance has been reoccurring on my statement every month. 
Contacted Bank of America to explain the charges and they sent a letter XX/XX/XXXX stating a XXXX inspection fee was assessed between XXXX XX/XX/XXXX due to past due payment of more than 45 days. so why it on every statement from XX/XX/XXXX to XX/XX/XXXX. 
This is not accurate record keeping, I should have only been assessed a late fee for XX/XX/XXXX, because I paid twice in XXXX to bring account current XX/XX/XXXX, XX/XX/XXXX. XXXX Records show no payment for XX/XX/XXXX but 2 payments were made in XX/XX/XXXX, XX/XX/XXXX, and XXXX Also no payment was made in XX/XX/XXXX, but I paid twice in XXXX, XXXX, XXXX XXXX XXXX XXXX these payment brought my account current for the year I have attached payment history
Consumer complaint received 2023-12-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MA)

inproper use of my credit dont recognize accounts voilation 15 USC 1681 B pertmissible purpose for which consumer credit reports can accessed and used by third parties. these account was open without my permission or consent
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

My wallet was stolen during a company party. I advised authorities that my wallet along with some of my personal information was stolen in XX/XX/2018. I recently retrieved a copy of my credit profile and noticed accounts and inquiries that I have no affiliation with or any knowledge. I've stressed to the CRA ( Experian, XXXX, and XXXX ) how stressful this is and its impacting my ability to obtain credit. This is also in violation of 15 USC 1681, furnishing information to my account without my permission, and as a result of identity theft. 
The accounts that are listed on my credit profile are : XXXX XXXX XXXX & XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX The inquiries listed are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX Again I have no knowledge of the accounts
Consumer complaint received 2024-01-11
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. (FL)

I'm XXXX XXXX, and I'm writing to discuss some issues with my credit report that I received from your agency.

I recently discovered that my personal information was shared with a third party without my permission. This seems to go against the rules outlined in the Fair Credit Reporting Act. According to my understanding of the law, I have the right to know and control who gets my personal information. However, my report shows that some details were shared without giving me the chance to say no.

I want to clarify that my problem is not with the companies I owe money to but with your agency for sharing my information without asking me first. According to the law, you're supposed to get my written consent before reporting my personal information, and I haven't given that consent. I'm asking for proof that I agreed to this, as required by law.

I've also reported this issue to the Federal Trade Commission, and my complaint number is XXXX. I'm worried that this unauthorized sharing of my information might be a form of identity theft. 

I'm formally requesting the removal of the following accounts from my report within XXXX business days : XXXX XXXX XXXX- Account Number : XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX CHILD SUPPORT ENFORCEMENT - Account Number : XXXX I've also noticed some unauthorized inquiries on my report. I'd like these removed as well : XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  XXXX - Inquiry date XX/XX/XXXX XXXX XXXX XXXX- Inquiry date XX/XX/XXXX XXXX XXXX XXXX - Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX  - Inquiry date XXXX XXXX XXXX XXXX XXXX - Inquiry date XX/XX/XXXX I want to make it clear that I have the right to a fair and accurate credit report. Removing these accounts is crucial for correcting the mistakes in my report.

Additionally, I'm asking for documentation on how you verified the disputed accounts and proof that I had the option to opt out of having my information reported.

I expect you to address this matter promptly and resolve the dispute within XXXX business days. If not, I may have to take further legal action.

Thank you for your quick attention to this issue.
Consumer complaint received 2023-12-21
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: Experian Information Solutions Inc. (NY)

I am beyond frustrated with the poor handling of fraudulent charges wrongly attributed to my XXXX XXXX account. Despite submitting an official police report, FTC Identity Theft report, and contacting your fraud department multiple times, you have failed to adequately investigate or validate {$310.00} in charges made without my authorization. 
Not only have you reported inaccurate, unverified information to credit bureaus, harming my creditworthiness, but XXXX continues suppressing this issue when I have provided substantial evidence of criminal financial fraud requiring your urgent attention. 
Your simplistic rationale that I must have made the charges since past bills were paid ignores today 's rampant identity theft risks. Over 92 % more Americans fell victim to account takeover fraud amidst the pandemic when many, like myself, faced personal trauma, job loss, and overwhelming instability taking focus away from finances. With my social security number, passwords, and other information compromised in various data breaches, it is entirely plausible my account was hacked by fraudsters. 
I am officially demanding complete statements itemizing all account charges and expect XXXX to provide concrete verification like IP addresses, geolocation history, or other transaction metadata before falsely claiming charges as my own ever again. The reinstatement of unverified, disputed charges to my credit reports violates federal law. 
I have already suffered serious financial and emotional harm due to XXXX mishandling and urge this final good-faith attempt at resolution before pursuing legal action over irresponsible business practices. Please confirm receipt and provide next steps for thoroughly reassessing all unauthorized transactions.