davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-25
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: Self Financial Inc. (CA)

Final payment of loan agreement was received on XX/XX/XXXX. 
Loan account was also closed on XX/XX/XXXX following the completion of loan agreement. 
All payments and other responsibilities stated in the Terms and Conditions were met and completed on XX/XX/XXXX. 
Once account closure was finalized and payout process of remaining funds initiated by the automated system, payout date was set for XX/XX/XXXX. 
Company Agents expressed that payout could take up to 7 days from set date to process and be received. 
On XX/XX/XXXX after not receiving payout as expected, I inquired with management about the delay. 
Management communicated that my closed account was put under a review on XX/XX/XXXX and payout for funds was not processed as previously stated. 
The company has yet to provide any justifiable reason why this review was determined necessary or why payout process was canceled and funds withheld. 
Ive attempted to contact the company regarding the matter and have been advised that funds would not be released until their internal review of the account was completed. 
It was never communicated what the internal review was attempting to accomplish or determine. 
It was also communicated that the internal review process did not have a timeframe, and they were unable to provide any information regarding when it would be completed or how long it would take. 
Once the internal review was completed more information regarding the status of payout and release of funds would be communicated via email. 
On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX I received and email stating the completion of the internal investigation and review of my account. 
Funds have still not been released or returned to me as stated once the review was completed. 
The company has once again refused to return funds and withheld payment unable to provide a justifiable reason. 
I demand that the company releases the funds back to me immediately or provide a legitimate and substantial reason with proof of claims. 
This is unjust and unfair of them.
Consumer complaint received 2024-10-01
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. (GA)

" 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 2024-10-01
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. (CO)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helpingme 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 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
Consumer complaint received 2024-10-22
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (FL)

The two instances of XXXX past due reports on my credit report ( XXXXXXXX XXXX  data report as of XX/XX/XXXX ). Also attached is a copy of two successful payments on XX/XX/XXXX, and XX/XX/XXXX ( XXXX Account History XX/XX/XXXX to XX/XX/XXXX ). Additionally, I was granted financial hardship assistance on XX/XX/XXXX ( XXXX  ). I kindly request your assistance in rectifying this discrepancy in my credit report. I am a dedicated XXXX XXXX who has consistently made payments since XXXX. I also provide sole financial support for my mother and special needs brother without additional assistance from the state or military. Lastly, please let me know if you need any further information from me. Thank you.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Upgrade, Inc. (NJ)

I recently reviewed my consumer report and discovered an erroneous late paymententry on an account where I have always maintained timely payments. The account in question is UPLIFT/XXXX XXXX XXXX Account # XXXX ), with late payments reported for XX/XX/year> and XX/XX/year>. As outlined by the Fair Credit Reporting Act, you are obligated to ensure the utmost accuracy in reporting consumer information. I have never been late on any payments for this account and did not give written consent for the reporting of these late payments. I kindly request that you investigate this matter promptly. Please provide evidence of any late payments, including statements supporting the claim, and proof that I authorized the reporting of this information. If such proof can not be provided, I expect the payment status to be corrected to " on time, '' reflecting my actual payment history.
Consumer complaint received 2024-10-24
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Resurgent Capital Services L.P. (CA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. Furthermore the debt collector didnt follow the proper 5 step validation procedure which makes this unfair practices. According to the FDCPA I am entitled to XXXX dollars per violation and it is obvious they violated my rights
Consumer complaint received 2024-10-01
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. (OH)

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XX/XX/2022 Here I attach, along with the dispute, my fraud report that I just sent to TRANSUNION for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Consumer complaint received 2024-10-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NC)

I opened a Citibank checking account in the summer, and attempted to get a money order for my rent ( {$700.00} ) at XXXX in XXXXXXXX XXXX 
I presented my driver 's license, and mobile phone number, and Citibank blocked the transaction. 
This started a long series of calls to the fraud department. They asked for items XXXX, and finally after 6 weeks of this I sent in a notarized deposition with all of personal information. They finally on XX/XX/year> admitted that I am myself. 
I was told that I would get a check for account closure in 30 days. 
They did not provide a tracking number or access to my account. So over 4 months, and I do not know what my balance is. Ludicrous. 
Why would you even block an account for trying to get a money order?
Consumer complaint received 2023-09-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have repeatedly asked for validation of this medical debt from both the company as well as TransUnion. The company ignored my request and TransUnion has repeatedly stated that they have verified that this debt between myself and receivables management is verified. TransUnion has failed to send any documentation proving that this debt is mine including any information they have on me owning the debt and any and all contracts or statements. TransUnion has failed to tell me how they have come to the conclusion that I owe this debt. This is in violation of the FCRA and TransUnion should be held liable for defamation of my character and damages to me and my family. I demand that TransUnion immediately delete this information from my credit profile as I am not liable to pay this company a debt that I do not owe them.
Consumer complaint received 2024-10-02
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. (OH)

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

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  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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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. 

( 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; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-10-02
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. (MS)

I recently reviewed a copy of my credit report. I was shocked to learn that i have been a victim off idenity theft. I found a couple accounts on my credit report that wasn't authorized by me. This has been hurting me as i am trying to buy a home for my family and i. Pleaseremove negative account on my credot report as soon as possible.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-10-01
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. (GA)

A hard inquiry was placed on my Transunion credit report unknown to myself, without my approval, on XX/XX/year> from XXXX XXXX. At this time, the inquiry is causing harm to my credit report. I do not have an open account with XXXX XXXX.
Consumer complaint received 2024-10-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC (CO)

This company has threatened harrrased and cohersed us to pay more ate fees interest charges and repossession fees after already paying repossession twice! 

The harassment after a cease and desist makes them liable for all penalties and they are harassing someone with a XXXX. 

I want this loan written off immediately and title sent. This has gone on long enough and they have charged 5 times the value of vehicle. If not stopped they will continue to take advantage of innocent consumers across XXXX.
Consumer complaint received 2024-10-22
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P. (CA)

If I owe this debt, it would be over 10 years old time barred. I do not want them to contact me any more, by any means, as I have been hacked and on the dark web. Too hard to discern if legitimate or not as goes to my spam. I blocked their last IP number. Research states this company tries to revive old debts by lying to get you to admit it is yours and restart time barred actions. And yet they sent another email with a different IP address to harass me.
Consumer complaint received 2023-10-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc. (GA)

The following accounts have violated my consumer rights : XXXX XXXX XXXX : Acct # XXXX Violations : False credit info communication ( 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ).

Communicating false credit info ( 15 U.S.C. sec. 1692e ( 8 ) ).

Threats, obscene language ( 15 USC 1692d ( 1 ) & ( 2 ) ).

Postcard communication, improper language/symbol usage ( 15 USC 1692F ( 7 ) & ( 8 ) ). 
Seeking prompt resolution per XXXX guidelines. XXXX reports info excluded under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), breaching XXXX compliance. XXXXmmediate action requested, including deletion of derogatory info.

Accounts in collection without IRS Form 1099-C violate 26 USC ss 6050P. Request deletion within 30 days. Non-compliance will result in IRS forms 3949A and 211 filings.

Prompt attention and resolution expected.
Consumer complaint received 2024-09-29
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)

Recently, I did an investigation on my credit report and found that several items there were inaccurate on my account. This account is affecting the ability to obtain credit, I request an investigation of these items so that the inaccuracies are verified. Here are the items for your verification. Account : XXXX  XXXX number XXXX payment late XX/XX/scrub> 2021 2021
Consumer complaint received 2015-12-04
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO. (CA)

This is a complaint against Chase Mortgage. 
Reason for the complaint : Chase entered into a contract ( backed up with a commitment letter ) with me and reneged on these terms and offered a completely different package two days after missing the closing date. This ultimatum provided me no options but to accept the revised terms. 

During the 45 day period, I met all financing contingencies in my purchase agreement with the Seller, as these were cleared by Chase along the way. Additionally, I had provided everything Chase had requested and I also received a Commitment letter from Chase to provide the loan. I cleared all contingencies in the Commitment letter. Chase decided just days prior to close that I did not meet the income criteria, ( information that it had all along, a fundamental driver of any loan approval ), and instead provided me a total new loan terms. This was done after providing the commitment letter with the original loan terms. Considering this was done after having missed the original closing date, I had no choice but to accept the new terms. Chase is ethically, morally, and legally bound by its original commitment and I am hoping CFPB will assist me in holding Chase accountable. 

Further details of this complete transaction along with a time line is provided in the attached document.
Consumer complaint received 2023-06-21
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. (GA)

XXXX | XXXX | XXXX In Fact, and truth, XXXX violated my rights even more so in accordance with the Fair Credit Reporting. Everything has to be XXXX XXXX accurate on my credit report. 

The Credit bureaus state my account was properly investigation but how is that possible if when I contacted the Debt collector agency, they could not provide me with Privacy disclosure : their ability to retrieve my private information and how it was transferred from original creditor. No documentation including or showing interest charges, payments, credit fees associated with the acclaimed amount owed was provided by credit collection agency. No full account number was provided by the collection agency to and Credit Bureaus because that information is redacted if full privacy disclosure is BREACHED. ) This grounds for removal. 

They also violated the law because according to : 15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions.

15 USC 1692. ( c ) ( a ). A debt collector may not communicate with a consumer in connection with the collection of any debt.

15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt.

15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

of 15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 

I did not give anyone written instructions.
Consumer complaint received 2024-09-30
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. (NY)

Hi my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.