davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-19
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. (CO)

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

XXXX last reported XX/XX/year> 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 15 U.S.C 6802- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or TransUnion ) credit report, and I noticed an incorrect balance from : XXXX XXXX XXXX  XXXX. Account # XXXX A 1099-C was issued, taxes were paid, and thus, by law, this balance should be corrected to {$0.00} and/or removed from my credit report. ( See 1099 attached ). 

Delete the above-referenced account from my consumer report, this agency is in violation of 15 USC 1681. 

The Fair Credit Reporting Act ( FCRA ) provides for actual damages, statutory damages for willful or intentional conduct that violates the FCRA, and punitive damages for malicious conduct harming a consumers credit or reputation for creditworthiness. 

Furthermore, the FCRA provides for the recovery of attorneys fees and costs to the prevailing consumer ( paid for by the creditor or bureau ). 

Therefore, failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking at least {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] and many more!
Consumer complaint received 2024-10-19
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. (NJ)

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-10-19
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. (CA)

The following account was found unverifiable or incorrect by XXXX and XXXX and deleted. The other should as well. 

XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2024-10-19
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. (FL)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XX/XX/XXXX Consumer Financial Protection Re : Disputing error [ s ] on credit report Dear Consumer Financial Protection, I am writing to request a correction of the following information that appears on my [ XXXX, XXXX, TransUnion ] consumer report : I am a victim of identity theft, and I dont recognize one or more of the accounts on my report. There are four negative accounts on my credit profile that has been causing me financial distress XXXX, Transunion nor XXXX has yet to validate nor send proof that these accounts belong to me. These are the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX that are reporting to my credit profile that Transunion, XXXX, XXXX has failed to assist in getting the issue resolved. 

Thank you for your assistance. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-10-19
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. (TX)

RE Account Numbers XXXX XXXX, This letter is a formal complaint that you are reporting my nonpublic and personal information without my written consent. Please show me the proof you sent me giving me options on how I could opt out of sharing my nonpublic information and proof showing you gave me the option to not disclose my transaction history each month with a third party.

The law states a consumer must give written consent to opt out of sharing their nonpublic information to the financial institution. I did this and you stated I did not have that right to opt out. It is a violation to report my transactions or experiences between you and I with a third party or consumer reporting agency without my written consent. It is the policy stated by Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers to insure the security and confidentiality of their customer records and information. This includes protecting against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

I the consumer should have been given the opportunity, before such information was to be reported which gives me the option to direct you that such information should not be reported. I also should have been explained how I could exercise that nondisclosure option, which I was never advised. I have written multiple times, and you have continued to ignore my written request.

Your failure to comply with the law and my written request has hurt my ability to obtain credit. Again, I am requesting to opt out of sharing my nonpublic information and for you to remove all my transaction history from all nonaffiliated third parties such as XXXX, XXXX, and Trans Union immediately. Otherwise, I will pursue legal actions for every month my nonpublic information has been reported which could be a fine of {$1000.00} per violation. 

Thank you for your immediate attention to this matter. 

XXXX XXXX XXXX, BENEFICIARY Without Recourse, All Rights Reserved
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

As per 15usc 1611 Experian XXXX and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640.

Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you el
iminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records.Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX  XXXX State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal TradeCommission. Cc State Regulatory Agency
Consumer complaint received 2024-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SANTANDER HOLDINGS USA, INC. (NY)

Hi. Ive attempted to contact Santander Bank to access my funds in person, through phone customer service, and through the automated line. Initially, my phone number was removed from my XXXX account without my knowledge or consent. My phone service was and is still active and information was accurate. However, I was told I had to go in person even though XXXXm traveling for work.i called the branch in XXXX NJ on Friday, and asked to speak to a manager because I was fleeing XXXX XXXX ( which is documented I have proof of this ) and did not have an ID. I was informed even though on Friday XX/XX/XXXX I could access my online info, I know my social security and can verify my direct deposit ( Social Security was deposited ) I was given rude treatment by a young XXXX woman who refused to give her name, and I asked to speak to her XXXX and she almost refused, and demanded to know why. I explained why I was not obligated to explain this. After calmly explaining to the manager I have qualifying information to validate my identity, if I went in person could I get a new debit card and set up my XXXX, he tells me in contradiction to Santanders phone customer service, that without any Id they would refuse to validate my identity or offer me any service whatsoever. Today, Sunday XX/XX/XXXX I attempted to login into my bank today as usual in order to check my balance. After using my auto login, it denied me XXXX separate times even though my information was accurate, my account was locked. So effectively, I am being defrauded out of my direct deposit and being refused service and I would like to file a complaint for malicious conduct and poor business practices in the financial sector. I have made any and all attempts over the course of 3 months to contact XXXX to withdraw and access my funds and they have been the most difficult institution I have ever worked with. I am XXXX and this violates my rights as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and I am calling for an investigation.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am asking for your assistance regarding this misleading account that appears on my credit report. I have raised this issue because it has harmed my reputation, and I need your help. Your poor management of my credit report has put me in a difficult position, as this false information has ruined my reputation. You must eliminate this incorrect data from my credit report.
Consumer complaint received 2024-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (LA)

I ordered from a XXXX XXXX doing the holidays the packaged was delivered i never received it i waited and contacted neighbors just in case someone had it. I never found package. I informed company that shipped it was told to contact my financial institution going forward which I did a investigation was open several times in seperate months and years it was determined the company was in the right a pic was sent to me of someone else apartment not mines although Chime was informed of this it was never corrected or fixed.
Consumer complaint received 2024-08-24
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: EQUIFAX, INC. (IA)

XXXX ( Hotel and travel ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/2024XX/XX/XXXXXXXX XXXX ( XX/XX/2024 ) XX/XX/XXXX( Hotel and travel ) ( XXXX XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXXXX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-10-19
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. (TX)

Three accounts by the same company requesting a Debt Validation XX/XX/2024 Amount : {$680.00} and action direct mail XX/XX/2024 XX/XX/2024 Amount : {$730.00} and action direct mail XX/XX/2024 XX/XX/2024 Amount : {$760.00} and action direct mail XX/XX/2024
Consumer complaint received 2024-10-19
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)

Recently I looked a copy of my credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy Here is the Item I am asking you to verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-19
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. (TX)

In accordance with the Fair Credit Reporting Everything must be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigated but how is that possible if the account is reporting as a charge off with a balance of {$12000.00}, the date last active is inaccurate, and the last date reported is not accurate. The account history of late payments is inaccurate, the car was XXXX on or around XX/XX/year> not later the charge off date is inaccurate. 
This ground for removal they also violated my rights under : 15 U.S.C 1681 Section 602 A. States I have the right to Privacy.

15 U.S.C 1681 Section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

Also, the credit Bureaus took more than 30 days to complete my investigation.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a cease-and-desist and opted out of reporting of my credit for XXXX. I received a letter as confirmation that XXXX has removed my name and address from their solicitation lists, but my information still appears on my reports In all three bureaus, XXXX, XXXX and Trans Union. XXXX banks refusal to Stop reporting To third parties after honoring the Cease and desist is now implicating the three credit bureaus, Trans Union, XXXX, and XXXX. Unknowingly or not, this is a willful violation of the FCRA per the three bureaus now as well as XXXX.
Consumer complaint received 2024-09-27
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: Experian Information Solutions Inc. (TX)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-10-21
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. (CA)

RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-21
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)

This is my final notice regarding your agency 's ongoing noncompliance with federal credit reporting laws. Despite my previous disputes concerning the accuracy and legitimacy of certain items on my credit report, your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Violations : Failure to validate the debt as required under 15 U.S.C. 1692g ( Section 809 ( b ) ).

Continued communication after a certified cease-and-desist request, violating 15 U.S.C. 1692c ( Section 805 ( c ) ).

Harassment, as defined under 15 U.S.C. 1692d ( Section 806 ).

Despite receiving a notice stating that your investigation was complete, the disputed accounts remain on my credit report. These accounts are inaccurate, and I never authorized them. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.
Consumer complaint received 2024-10-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (TX)

I received a letter about an application placed through Barclay 's for an XXXX XXXX credit card to and address i no longer use. I did not do this application and need it off my credit report.
Consumer complaint received 2024-09-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/year> I went to pick up a curbside grocery order at XXXX totalling {$190.00}. After XXXX minutes of waiting for the order to be brought to my car I left. I called XXXX to make sure they didnt charge me since I didnt get the order. XXXX told me I would not be charged and provided me with case number XXXX. On XX/XX/year> I was charged and saw the transaction clear in my Chase Checking Account. I filed a claim with Chase on this day and received a credit for {$190.00}. On XX/XX/year> XXXX reversed the credit. I called Chase on XX/XX/year> to ask why and they said they reversed the credit because XXXX responded with a message that I can call XXXX to get a refund. I then called XXXX on this same day and was told that the credit should not have been reversed and that I need to call my bank. XXXX gave me another case number XXXX. XXXX also told me they spoke to Chase and gave Chase a case number XXXX and that I should have been refunded through my Bank. I am filing this complaint to ask for the funds to be put back into my account.