davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-12
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 USC 1681. 

XXXXAccount Name : XXXX XXXX Account Number : XXXX XXXX Name : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXXAccount Name : XXXX XXXX XXXX. 
Account Number : XXXX XXXXAccount Name : XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX CT TX XXXX Reference Number : XXXX Date Filed XX/XX/2021 XXXX. Account Name XXXX XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX. Account Name XXXX XXXX  Account Number XXXX XXXX. Account Name XXXX XXXX XXXX Account Number 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 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.
Consumer complaint received 2018-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

I recently applied for a business account with XXXX XXXX on XX/XX/XXXX for my business XXXX XXXXXXXX XXXX. 
I Provided business EIN, Business Phone, etc. Account was not approved, I was told I need to contact XXXX XXXX to provide additional information. I did not. 

A few days later on XX/XX/XXXX the account inquiry appears on my personal credit report. I called XXXX XXXX and they said they do not have anything associated with my personal. No personal account etc. I called Equifax the reporting agency they said XXXX XXXX definitely did it, otherwise they wouldn't have reported it. 

I spent 2 hours being transferred from department to department at XXXX XXXX. Finally speaking with the Executive Team ( XXXX ). XXXX said, XXXX XXXX could not assist me, it has nothing to do with them. She referred me to XXXX.
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (NC)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-07-11
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. (MI)

I asked Transunion to assure maximum possible accuracy to multiple inaccurate accounts reporting on my credit file. Despite my efforts, Transunion has failed to conduct a reasonable and fair investigation that these accounts are 100 % accurate. The lack of response has caused me significant harm to my financial reputation and mental health. I greatly appreciate your attention to this matter and assistance you can provide resolving the inaccuracies in my credit report.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

According to 15 U.S Code 1666B, the Federal Reserve Board is required to establish regulations to protect consumers from unfair and deceptive practices regarding credit card accounts and overdraft services. These regulations aim to promote transparency and fairness in the credit card industry, ensuring that consumers are fully informed about the terms and conditions of their credit card accounts and are not subjected to unfair or deceptive practices by credit card issuers.

According to Section 15 U.S Code 1666B, I have been working on improving my credit and my understanding is that it takes five consecutive on-time payments for one late payment to be removed from my credit report. I have diligently made more than five consecutive payments on all my credit cards, demonstrating my commitment to paying as intended. Therefore, I am writing this letter to request a resolution that will either remove these late payments from my credit report or minimize their impact on my credit history. 

Additionally, it is worth noting that credit card protection was purchased for certain cards. This means that in the event of any hardships or unforeseen circumstances, the minimum balance required to be paid would be covered, and no late payments would affect the credit history during the time of these difficulties. However, during the XXXX pandemic, when many people faced financial challenges, none of the credit card companies extended their support or offered any assistance, despite the credit card protection that had been paid for. 

The accounts and creditors are listed below XXXX XXXX XXXX XXXX days late For the month of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX days late For the month of XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-07-11
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)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX - IDENTITY THEFT 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I had approximately {$75.00} in cash rewards on two business credit cards with Bank of America. They unilaterally closed both of my business accounts, revoked my business credit cards, closed my personal checking and saving accounts, and did not allow me to redeem my cash rewards on my business credit cards to my personal account prior to closing that account, as well.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-11-12
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. (CA)

Recently checking my credit report I noticed that I have been a victim identity theft and found numerous credit inquires. 
please remove fraudulent inquires in my credit report.Thank you You
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 XXXXXXXX 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. 

XXXX5 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 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX 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 2024-11-12
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. (IL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance Owed : {$980.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$100.00}
Consumer complaint received 2024-11-12
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. (CA)

Recently checking my credit report I noticed that have been a victim identity theft and found numerous credit inquires. 
please remove fraudulent inquires in my credit report. Thank you You
Consumer complaint received 2018-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NY)

I have a credit monitoring service with Equifax. I am unable to access my credit report due to some type of error within their system. This has been an ongoing problem with my account for well over a year and a half. I temporarily canceled the service last year due to the frustration of the problem. I was able to recently sign back up and gain access to my credit report but shortly after, the same problem started to reoccur. As a result, I am no longer able to access my tri-merge report with any of my other credit monitoring services i.e. Credit Check Total due to the system error within my Equifax file. I have spent countless hours making phone calls to Equifax to no avail. They continuously send me from department to department and nothing is resolved. They tell me things like, a ticket will be created and escalated and should be resolved within 7-10 days. I have waited several 7-10 day periods and still, the problem exists.
Consumer complaint received 2018-10-30
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (CA)

I have requested my XXXX savings be distributed for deposit into IRA Traditional and IRA Roth accounts but the distributing bank, Wells Fargo, refuses to execute the distribution even after multiple calls, notarized proofs of identification and documents of instruction submitted.
Consumer complaint received 2024-11-12
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. (NJ)

XXXX XXXX XXXX a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting. The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 

DEPT OF EDUCATIONXXXX XXXX XXXXXXXX DEPT OF EDUCATIONXXXX XXXX XXXX
Consumer complaint received 2024-08-30
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. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX
Consumer complaint received 2018-02-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (MI)

On XX/XX/XXXX XXXX charges appeared that were previously taken. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and pulled {$150.00} from my accounts. 
XXXX # XXXX with XXXX, no response from the company. I believe my other transactions are possibly fraudulent now, as I can not add an account to pull the money. Total I'm out {$350.00} of transactions, {$200.00} in money I can not withdraw and {$150.00} in money fraudulently pulled from my card and not placed into my account.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX reported my account late 6 times listed on my credit report, account currently current, information of 6 missed payments posted is incorrect XXXX : Reported as a charge off, I have not received the 1099c for the span of 2 and a half years no contact was made either, I have noticed they reported a final payment on XX/XX/XXXX however data shows that was inaccurate information, account was closed XX/XX/XXXX, the accuracy on this report is way off, and I would like for it to be deleted. 

XXXX : {$590.00} collection ; this report was inaccurate I changed my insurance company due to XXXX charging high, they failed to cancel my policy properly when I switched to XXXX XXXXXXXX XXXX company, it was reported as opened XX/XX/XXXX and closed on XX/XX/XXXX which is highly inaccurate I left XXXX XXXX in XXXX and moved to XXXX 

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 A Section 2 it also states a consumer reporting agency can not furnish a without my written instructions, under 15 USCS 1666b a creditor may not treat a payment on a credit card account under a open end consumer plan as late for any purpose
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Maximus Federal Services, Inc. (TX)

Dispute of Federal Student Loan Due to Lack of Proper Documentation Dear Sir/Madam, I am writing to formally dispute the validity of my federal student loan on the grounds that I did not receive appropriate documentation within the required timeframe as stipulated by federal regulations. 

Reason for Dispute : According to federal law, debt collectors, including government agencies, are required to provide written notice of a debt within five days of the initial contact. This notice must include specific information about the debt, such as the amount owed, the name of the creditor, and information regarding my rights to dispute the debt. 
I assert that I did not receive this required documentation within the stipulated timeframe. As a result, I am unable to verify the accuracy and validity of the debt. This lack of documentation impedes my ability to make informed decisions regarding my repayment options and obligations. 
Requested Action : Verification of Debt : Please provide a detailed account of the debt, including the amount owed, the name of the creditor, and a history of all communications and notices sent to me, particularly any initial contact documentation. 
Review of Compliance : Conduct an internal review to ensure that all procedural requirements were followed correctly, particularly concerning the timely provision of required documentation. 
Correction of Credit Report : If the necessary documentation can not be provided, I request that this debt be removed from my credit report immediately. 
Failure to provide the requested documentation and to comply with federal regulations may compel me to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and seek further legal advice. 

Thank you for your prompt attention to this matter. I look forward to resolving this issue as quickly as possible. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-07-11
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: EQUIFAX, INC. (FL)

To whom it may Concern, I am in disagreement with the items listed below which still appear on my credit report, even after their investigation. I would like these items immediately removed from my credit report. these inaccuracies are highly injurious to my credit rating. The Account are : ( 1 ). XXXX XXXX Bankruptcy After their investigation they claim that the information was verified by United States Bankruptcy Court Office Of The Clerk XXXX XXXX Of Florida. Which is strange because I Contacted the United States Bankruptcy Court Office Of The Clerk XXXX XXXX Of Florida and ask them why are they reporting these inaccuracies to the credit bureau? they responded back saying the Bankruptcy Court does not report or transmit bankruptcy court records or any other information directly to the credit reporting agencies. and plus my XXXX Account has been frozen sine 2021, I have all document to prove which I will upload so you can see. So I am Truly confused how they are validating this information someone is lying
Consumer complaint received 2023-07-11
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. (AZ)

I submitted a credit repair request to a company, 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.