davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-16
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. (TX)

Dear TransUnion Representative, I am writing to request the removal of fraudulent accounts, unauthorized inquiries, and incorrect personal information from my credit report. Enclosed is my FTC Identity Theft Report, reference number XXXX, which documents the identity theft I have experienced. 

Upon reviewing my TransUnion credit report, I discovered several inaccuracies that do not belong to me. Below is a list of the fraudulent information I am requesting to be removed : Employers : 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 These entries are not authorized by me and are the result of identity theft. I am requesting that TransUnion promptly remove the fraudulent accounts, unauthorized inquiries, and inaccurate personal details listed above. I also ask that a fraud alert be placed on my profile to prevent further misuse of my identity. 

Please process this request promptly and in accordance with the Fair Credit Reporting Act ( FCRA ). Thank you for your immediate attention to this matter. I look forward to receiving confirmation of the removal. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX
Consumer complaint received 2024-09-25
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: Experian Information Solutions Inc. (CA)

I dispute the following hard inquiries on my credit report : [ List of inquiries with dates ]. Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 16811 ), unverified inquiries must be removed. Please investigate and remove any unverifiable inquiries. 

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 2024-09-25
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. (TX)

Upon filing of initial complaint regarding inaccuracies reported to credit bureaus on the balance and payment/owed amounts on closed XXXX secured XXXX account the company replied with further inaccuracies and incorrect reporting. XXXX claims my security deposit was applied to the balance on my card account along with a payment they processed with my bank for the amount of {$950.00} which would make the balance owed on the account {$950.00} plus the {$500.00} since both were processed the same day according to XXXX at an amount of {$1400.00} outstanding. If what they claim is true my account should have been left with a balance of {$950.00}, the amount returned unpaid by my bank but instead the balance XXXX claims still owed is the amount returned unpaid minus the XXXX security deposit. XXXX is incorrectly CONTINUING to report payments and balances on this account and blatantly disregarding banking regulations they're to adhere to. They have consistently falsely reported negative information on my credit reports and refuse to fix the incorrect information causing me extreme difficulty in acquiring adequate credit needed.
Consumer complaint received 2024-09-25
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. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


XXXX5 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.

15 U.S. Code 1666b - ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

15 U.S. Code 1692c - Communication in connection with debt collection. at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication.

15 U.S. Code 1602p - The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

On top of the US code that has been violated, I have reasonable suspicion that there is various information within the report as inaccurate and hereby demand that the negative items impacting my credit reporting is hereby removed swiftly and promptly.
Consumer complaint received 2024-10-16
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. (NY)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been a victim of identity Theft. I was calling to TransUnion to mark inquiries as fraud, because I have send to Transunion FTC Police report. 
However Transunion representatives from other countries unserved me, and they ignored my official FTC report. 
Specially when I was speaking to XXXX employs. 
I would like to ask you to ban people from XXXX, because I am not safe to have my information to their hand. 
Additionally I will attach FTC report to block fraudulent inquiries from my report
Consumer complaint received 2023-11-01
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. (MI)

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 2023-06-12
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)

Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, TRANSUNION used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. TRANSUNION reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

These accounts have been reporting on my report and has given me so much stress for the past months. All I ask of you is to verify whether or not these accounts belongs to me, because its inaccuracies have been affecting my credit scores and have deprived me off of my financial opportunities- which deprives me just as much of my dreams.
Consumer complaint received 2023-11-01
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. (MI)

Transunion is reporting a credit inquiry from XXXX XXXX SERVICES. I never request services from XXXXXXXX XXXX SERVICES NOR did I give them the right to access my personal information. 



I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), which protects consumers from unauthorized credit inquiries. The FCRA requires that any party requesting a consumer 's credit report must have a permissible purpose to do so, such as for a credit application, employment, insurance, or legitimate business needs. It is my belief that [ Name of Company ] did not have a permissible purpose to request my credit report. 

Here are the specific reasons why I dispute this credit inquiry : Lack of Permissible Purpose : I have not applied for credit, employment, insurance, or any other legitimate transaction with [ Name of Company ] that would justify a credit inquiry. Therefore, I question the legitimacy of their request for my credit report. 

No Authorization : I did not provide written or verbal consent for [ Name of Company ] to access my credit report. As such, any inquiry made without my authorization is in direct violation of the FCRA. 

Unauthorized Access : The FCRA requires that credit inquiries be made with the knowledge and authorization of the consumer. The inquiry by [ Name of Company ] was made without my knowledge or consent. 

Damage to My Credit : Unauthorized credit inquiries can negatively impact a consumer 's credit score. As a result, I am concerned that this inquiry may have a detrimental effect on my creditworthiness. 

I request that you promptly investigate this unauthorized credit inquiry and provide me with the following : Verification of Permissible Purpose : Please confirm whether [ Name of Company ] had a legitimate permissible purpose for accessing my credit report.

Proof of Authorization : Provide evidence of any authorization I may have given for the credit inquiry in question. 

Removal of Unauthorized Inquiry : If it is determined that [ Name of Company ] had no permissible purpose for accessing my credit report, I request that the unauthorized inquiry be removed from my credit report as per FCRA regulations. 

Confirmation of Remedial Action : Notify me in writing of the actions taken by your agency to rectify this matter within the stipulated timeframe ( generally 30 days ). 

I expect your prompt attention to this matter, as required by the FCRA. Please be advised that I will not hesitate to take further legal action to protect my rights and rectify any damage to my credit report if this issue is not resolved satisfactorily.
Consumer complaint received 2023-11-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION (MD)

XXXX XXXX unlawfully collected all money from my account on XX/XX/XXXX before resolution of the billing errors that they received. They were not supposed to collect until resolution of the billing error but no resolution was reached. They sent a letter on XX/XX/XXXX ( still after they collected and left my accounts with XXXX $ ) replying to me with nothing but statements so I then requested documentary evidence as defined in the XXXX and XXXXXXXX XXXX that they are required to follow. They never sent it. I have sent them a total of 4 notices and they are all the same responses. They sent an agreement without my signature, ( one that I can go online and print ), and statements. None of this proves a debt to be valid. They also unlawfully closed my account after receiving a legal notice of rescission of all past, present, and future security interest, proceeds from any insurance they applied to on my behalf, & the right to repo my car. They have taken adverse action against me, they are unlawfully reporting me late on my payments, even though they received 2 endorsed instruments for the obligation that they never returned even when I asked for them back, therefore lawfully they accepted them. I continue to receive generic responses instead of someone actually addressing the issue. They are also committing securities fraud because they are supposed to be nonprofit organizations yet they transfer their securities to XXXX which is registered under the SEC. They have also criminally mislabeled documents to hide evidence of them unlawfully collecting. I informed them of how they collected on XX/XX/XXXX unlawfully, thankfully I screenshot the proof first because that transaction no longer shows on my statements. The proceeds were never returned either. I attached the screenshot from today XX/XX/XXXX vs the older screenshot that shows them collecting XXXX $ on XX/XX/XXXX. They also collected over XXXX $ from my paycheck on XX/XX/XXXX.
Consumer complaint received 2023-10-03
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

Capital One is in clear violation of the CARES ACT. As described in the CARES ACT, I made arrangements with CAPITAL One in XX/XX/XXXX, while my account was still current to make reduced monthly payments. I explained to them that I lost my job during XXXX  and I had not been called back yet. They Agreed to accept $ XXXX and to waive late fees. According to the CARES ACT the Company is supposed to report the Consumer as Current as long as the Consume adheres to the agreement. I faithfully adhered to the agreement and I was still reported as NO Payment 30 days late monthly and that continues to this date XX/XX/XXXX. The CARES Act was signed into Law to protect consumers ' credit. Please see the attached copy of the CARES ACT as it relates to Businesses and Consumers.

As a result of their violation of the CARES ACT my Credit Score has dropped at least XXXX points. Other creditors saw the drop in my scores and followed suit to either lower my credit limit on existing accounts or close my account altogether eventhough I was current. 
I reported this violation of the CARES ACT to the Credit Bureaus without any results, XXXX and XXXX. I Disputed credit report errors with the bureaus and the creditor and according to the CARES ACT, " Credit bureaus now have 45 days to correct errors, normally under the FCRA they had 30 days ''. They did not make any corrections. However, the Bureaus did state to me, if Capital One agrees, they will manually remove the erroneous " 30 Days Late '' from my Credit Report. The CARES ACT was a law. Why, should the Erroneous Reporting Only be removed if Capital One Agrees?
Consumer complaint received 2023-11-01
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: Westlake Services, LLC (TX)

XX/XX/27 I looked at my credit file I called the companies and was told that information reported on my file is accurate but I never applied for anything. I explained I never made those inquiries. So I called the credit bureaus and was told to make a complaint with ftc.
Consumer complaint received 2023-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

SchoolsFirst Federal Credit Union has closed my account and garnished my social security payment for XXXX leaving me unable to pay my rent. This put me at risk for eviction and XXXX. It is my understanding that garnishing social security payments is disallowed because it is considered protected income. 

SFCCU has told me they have done this because I have been unable to make my Mastercard credit card payments ( which had been active for the last 25 years ). I have had to stop making payments because I have a limited income, have been challenged by unemployment, and the need to travel to and from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) who have had several serious medical issues requiring XXXX  This has prohibited me from working full time. 

I respectfully request that the CFPB intercede and have SchoolsFirst FCU give me access to my social security benefits immediately so I can pay my rent ( due today ) and to continue to give me access to my social security funds for subsequent months so that I can remain in my home. I can not afford to move. 

Thank you for your time and consideration. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-16
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. (SC)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2019-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (KY)

I have spent months trying to work with the dispute department over an illegitimate charge made to my Discover card months ago. I have never known such incompetence in my life. I have spent hours with the dispute team ... .and a month ago, trying to get them to understand that I was not going to pay a {$52.00} charge that XXXX made to my Discover card, for a service that I did not receive, I thought that they FINALLY understood, and would handle the dispute accordingly. Just as with Discover Bank, Discover Card is the egregiously incompetent. After saying that they would handle my dispute, I saw tonight on my bill that AGAIN they put the charge back on my card! I paid of another transaction on the statement and closed the Discover card tonight, because I have had enough. It's like a merry-go-round ... ..month after month!! 

It is of great important that I let you know that I received a notice for 2 months from this incompetent credit card company about a dispute for {$140.00}, that I could make no sense of. It turned out ( by their own admittance ) that I was receiving a dispute for another customer ( by accident )!! This credit card company has should be put out of business for the level of incompetence that they dish their customers!!!!!!!!!!!!!!!!! I think this other account holder should be notified that I was receiving THEIR notifications about a dispute that they were trying to have resolved!! 

I have several XXXX credit cards, and a Mastercard, and have never before experienced issues with the dispute process, or customer service, as I have with this incompetent company, Discover. I would ask that you protect me as a consumer, and not allow them to harm my credit rating, for an illegitimate charge that was made to my card by XXXX. Please help me with this issue, and if possible, have Discover reprimanded for their continued incompetence ... .both in banking and credit card services. Thank you.