davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-28
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: EQUIFAX, INC. (NY)

MY rights are being Violated and I keep being told that the account is verified I am not asking for verification Im requesting for DELETION BECAUSE I DID NOT GIVE WRITTEN consent for any of this to be finished on my credit report In accordance with the Fair Credit Reporting act Convergent Accounts are violating my rights # XXXX for XXXX XXXX XXXX, XXXX bank # XXXX XXXX XXXX XXXX and I have received a 1099 for this so it is no longer a bill so it should not be reporting as a open collection, 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 in accordance with the law 15 U.S.C 1681 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Except as authorized under subsection ( b ), 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.Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; SO THIS ITEM IS INACCURATE AND I WOULD LIKE IT DELETED
Consumer complaint received 2024-09-19
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: NAVY FEDERAL CREDIT UNION (LA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-09-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I have had a lot of collections from the year XXXX and before The thing was is I was XXXX XXXX XXXX XXXX XXXX I did not have the capability to open any lines of credit. There was someone in my household or someone outside of my household who got a hold of my information and either took advantage of me or knew of my situation from XX/XX/XXXX until the end of XXXX. Anything after XX/XX/XXXX and before XX/XX/XXXX I did not try to do on my credit at all. I've gotten almost all of the false charges removed from my credit. I've been monitoring my credit for the last year and I've never seen this at all I check it everyday and all the sudden this just popped up. I did not ask for this credit card nor did I use it.
Consumer complaint received 2024-10-09
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)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-18
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. (NY)

I have in the past months attempted to reach out TransUnion in hopes of getting these inaccurate inquiries removed - and their representative has responded that they will be removed yet to this day, they appear in my credit report and it is damaging my scores in ways you can not imagine.
Consumer complaint received 2024-10-09
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-10-09
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account Number : XXXX
Consumer complaint received 2023-04-14
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. (NY)

Hello, my name is XXXX XXXX XXXX, son of XXXX XXXX XXXX XXXX. 

The reason why Im messaging the CFPB is because unauthorized transaction was made with a company named XXXX XXXX. This is a case of identity theft, and fraud on the Chase Bank account. My father passed away on XX/XX/2022. Ill find out a loan was taking out of his name in XXXX. The reason why Im contacting XXXX XXXX is that my father and I shared a bank account at the time. They used ACH Transfer and ended up withdrawing the money for themselves, while using my share account with my father to pay off the loan that accounted for the {$8000.00}. I thought it was a past loan my father took from another loan company named XXXX while he was out of work and was doing his XXXX treatment, but while I was looking through my bank account in XXXX. I seen a XXXX XXXX payment. I had no idea who, or what XXXX XXXX was so I called Chase Bank for a quick resolution, which they helped with temporary credit. Recently, I decided to check all my finances including the account that I shared with my father and thats when I found out {$8000.00} that was taken from the same company on XXXX. I called Chase about a month ago about it, I gotten temporary credit again and I didnt have evidence of what was going on at the time but I knew whoever was doing this had malicious intent. However, XXXX XXXX reversed the claim, and said it was valid ACH Transaction. Which led me to find out whats really going on and finding a true resolution for this problem. I called XXXX XXXX, they still haven't gotten back to me for resolution. I'd explain issue and nothing has transpire. Now I'm filing a complaint on Chase Bank, and further investigation I'll do one against XXXX XXXX. 

Please help me with this issue for this fraudulent problem. It wasnt giving permission to be taken, I have no idea who the assailant was. Its possibility it was virus that was in my computer that gave a hacker information about my father & I finances, SSI, and bank accounts that keep in the computer. Thank you so much. If needed, more information about my account or my father. Thank you. 

Update : XXXX XXXX had given me the {$290.00} from XXXX successfully saying it was an unauthorized transaction through Chase. However, they're saying the {$8000.00} was authorized, while Chase agrees with them ... Something is wrong.
Consumer complaint received 2024-10-09
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. (MS)

I am writing to dispute inaccurate account information listed on my consumer report by Transunion, as obtained on XX/XX/year>. Upon reviewing the report, I have identified discrepancies in the information furnished by Transunion. I have identified inaccurate monthly payments and account balances. It has come to my attention that there are potential violations of federal consumer protection laws in the handling of my credit information. 
I have not received a response from this company. My tracking number is XXXX. Listed below are the accounts with inaccurate information. 

XXXX XXXX XXXX Open date not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX XXXX XXXXOpen date not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX XXXX XXXXOpen date not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX XXXX XXXXOpen date not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX XXXX XXXXOpen date not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX XXXX XXXXOpen date not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX XXXX XXXXOpen date not reporting correctly, date last active , date of last payment is not correct, this account is not accurate XXXX XXXXOpen date not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX XXXXOpen date not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX XXXX XXXX XXXX XXXXOpen date not reporting correctly, date last active, date of last payment is not correct , this account is not accurate XXXX XXXX XXXX XXXXOpen date not reporting correctly, date last active, date of last payment is not correct, this account is not accurate Under 15 USC 1666 ( B ) and 15 USC 1637 a ( a ), it is explicitly stated that reporting a payment as late on an open-ended credit plan is impermissible under any circumstances. Additionally, according to 15 USC 16819 ( B ), consent from the consumer is required before furnishing information on their behalf. To date, I have not granted such authorization to Transunion.
Consumer complaint received 2024-10-09
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 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 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-10-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Google Compare Credit Cards Inc. (TX)

Nothing happens with XXXX XXXX and Google cause there is not a way to get cash app and Google you can't talk to them XXXX XXXX XXXX XXXX and Google wallet was never given permission that l aware of to take part of my money. XXXX owed me well over XXXX dollars plus a some very small investment and possibly a small amount of XXXX too. I want all my money back under my social security number from XXXX .and XXXX XXXX. They shouldn't be allowed to just run rampage on people they are crooks bottom line. I think that they both are crooks of the highest order and frankly lam tired of jacking with them both.. My social security number is XXXX. The missing x= three in my social security number and l demand these two ( well these two to start with ) I'll put it like that cause I've got @ least 7 or 8 more l want complaints filed on but these two crooks l want first and far most. You can them them this is way IAM gon na deal with them from now on so here we go.
Consumer complaint received 2024-10-08
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. ()

I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : 1. Account Name : XXXX XXXX  Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report, and it only shows up on my TransUnion account. Please provide evidence of the charge-off and update the balance to {$0.00} or remove the negative payment status for this account. 

2.Account Name : XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report, and it only shows up on my TransUnion account. Please provide evidence of the charge-off and update the balance to {$0.00} or remove the negative payment status for this account. 

XXXX. Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report, and it only shows up on my XXXX account. Please provide evidence of the charge-off and update the balance to {$0.00} or remove the negative payment status for this account. 

4.Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report, and it only shows up on my XXXX account. Please provide evidence of the charge-off and update the balance to {$0.00} or remove the negative payment status for this account. 

5.Account Name : XXXX - XXXX Account XXXX : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report, and it only shows up on my XXXX account. Please provide evidence of the charge-off and update the balance to {$0.00} or remove the negative payment status for this account. 

6.Account Name : XXXX XXXX A Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report, and it only shows up on my XXXX account. Please provide evidence of the charge-off and update the balance to {$0.00} or remove the negative payment status for this account.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I obtained my XXXX XXXXXXXX XXXX XXXX credit report. There was a U.S. Bankruptcy court item listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) If a credit reporting agency can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 

The Bankruptcy Court has mailed me a letter which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U.S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 

My inquiry to the U.S. Bankruptcy Courts confirmed XXXX XXXX has never validated or verified this public record entry on my credit report, neither will they ever be by them They further stated while they are NOT liable or responsible for any MIUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unaware to the consumer, and in most cases, incorrect. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. 

Per the FEDERAL CREDIT REPORTING ACT, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the ORIGNAL signed consumer contract and/or judgment ( s )- all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. 

I have included my last letter sent to the credit agencies demanding this false inaccurate information be deleted from my consumer credit report and I have yet to hear back from them. I am herby asking that this be handled immedicably.
Consumer complaint received 2024-10-08
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. (VA)

Recently, I received a copy of my credit report and noticed several inaccuracies as well as unauthorized accounts/information reporting to my credit report. Prior to me seeking Legal Representation, I would like to attempt resolving this situation myself. These remarks have been detrimental not only to my career and credit health but my child has been impacted as well.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TransUnion Consumer Solutions XXXX XXXX XXXX  XXXX, PA XXXX Subject : Method of Verification Request for Disputed Item Dear TransUnion, I am writing regarding the results of your investigation of the dispute I submitted concerning an item on my credit report. I received your response indicating that the information in question has been verified, but I now formally request the method of verification, as outlined under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ).

According to the FCRA : Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), you are required to provide me with the name, address, and telephone number of the furnisher of the information that you verified as accurate.

Per 15 U.S.C. 1681i ( a ) ( 7 ), I am entitled to request a description of the procedure used to determine the accuracy and completeness of the information, including the business contact information for anyone contacted during the investigation. For the follow items you claim were verified XXXX XXXX XXXX XXXX-UPDATED XXXX XXXX XXXX-VERIFIED AS REPORTED ( 4 ) XXXX XXXX XXXX-VERIFIED AS REPORTED XXXX XXXX XXXX-VERIFIED AS REPORTED XXXX XXXX XXXX-VERIFIED AS REPORTED Please provide this information within the time frame specified by law, as required under 15 U.S.C. 1681i. Additionally, I would like to remind you that you are required to maintain accurate records and that failure to comply with my request could result in legal consequences, including potential liability for damages. 

Please send the requested documentation and a detailed explanation to the address listed above. If I do not receive a response within 15 business days, I will consider further legal action to ensure compliance. 

Thank you for your prompt attention to this matter. I look forward to receiving the requested information.