davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-04
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)

Recently, I reviewed a copy of my credit report and found several discrepancies in my accounts. These inaccuracies are negatively impacting my ability to secure credit. I understand that you will investigate these issues to ensure their accuracy. 
Please verify the following items for correctness : XXXX  ( XXXX ) XXXX XXXX  XXXX ( XXXX )
Consumer complaint received 2024-07-04
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)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-07-04
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 a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



Inquiry XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-04
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. (IN)

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. 

XXXXXXXX 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 XX/XX/XXXX These reported inquiries are unauthorized and has violated my rights. 

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

15 U.S.C 1681 Section 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 2024-07-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (FL)

ON XXXX MY DEBIT CRADS WAS LOST/STOLEN SO I CALLED THE BANK AND LET THEM KNOW THAT MY CARDS WAS LOST AND THERE WAS CHARGES ON THE ACCOUNT I DID NOT AUTHORIZE. I HAD TO MAKE A DISPUT FOR THE TRANSACTION ON THE ACCOUNT I DID NOT AUTHORIZE, AND GET A NEW DEBIT CARD MAILED OUT TO ME. ON XXXX I RECEIVED PROVISIONAL CREDIT FOR THE CLAIM AND THEY TOLD ME THAT EVERYTHING IS OK. ALL THE TRANSACTION WAS MAKE ON THE ACCOUNT WAS PLACED BY SOMEONE USING ( MY CARD AND NOT MY PIN NUMBER ), NOW ON XXXX I RECEIVED A MESSAGE ON MY BANK APP INTO MY MESSAGE CENTER THAT WELLS FARGO : SUBJECT : CLOSURE OF YOUR DEPOSIT ACCOUNT THE ACCOUNT ARE EXPECTED TO CLOSE ON XXXX I WANT TO KNOW WHATS THE REASON I HAD THIS ACCOUNT FORM : XXXX I HAD NO DISPUTE TRANSACTIONS AND THIS IS THE FIRST TIME I MAKE A DISPUTE NOW IM GOING TO HAVE MY ACCOUT CLOSE, WHEN ITS A OVERDRAFT FEE OF {$35.00} TAKING OUT THE ACCOUNT I NEVER COMPLAIN ABOUT THE TRANSACTION I MAKE THE PAYMENT, THIS IS NOT RIGHT MY ACCOUNT IS CLOSING I NEED THIS ACCOUNT FOR MY EVERDAY LIFE TRANSCTION I HAD MY ACCOUNT FOR OCVER XXXXYEARS I JUST NEED THIS TO BE FIXED AND LOOK INTO. THANKS
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-07-08
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: Onity Group Inc. (NJ)

Around XXXX XXXX, 2023, I reached out to my then loan servicer, PHH Mortgage, seeking relief. My XXXX  finalized on XXXX XXXX, 2023, and I was at risk of falling behind on mortgage payments. Initially, PHH Mortgage approved a XXXX  plan over the phone and informed me that a plan details would be received in the mail. Instead, I received an invitation to apply for mortgage relief around XXXX XXXX, 2023. I promptly called PHH Mortgage requesting an explanation. They denied ever approving a XXXX, told me I was not eligible, and that I can apply for relief on their website. I applied on the website that night, to include all required documents. I also sent all required documents to the email address on the application form. 


PHH denied receiving all required documents in its entirety and my application for relief was placed in a " review '' status. I called to ask what documents I failed to send them, and they simply stated " other documents ''. I again sent them already submitted documents via email and through their online portal. During this time I kept the monthly payments in reserve while I struggled to meet my other obligations from my XXXX XXXX XXXX. Each week I called to check on the status of my application and to learn about the ramifications of missing payments while my application was pending. 

PHH informed me that no negative reporting would occur until XXXX  days past due. Shortly before the XXXX  day mark I called PHH again to inquire about the status of my relief application. The status was still under review. I logged into the website to settle the outstanding balance, but I was blocked from making any payments. I called PHH to make a payment over the phone, but was told that I am blocked from making payments. A representative went so far as to tell me to not make any payments as that would negate the need for the relief I was seeking. 

After XXXX  days, PHH sold my mortgage to another loan servicer, XXXX XXXX, and approved " relief '' with terms nearly double my current schedule. I applied for short term payment deferment, as offered on PHH 's application. I was instead offered an untenable loan adjustment after PHH destroyed my credit.
Consumer complaint received 2024-07-04
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. (CA)

I recently checked my credit reports and noticed billing errors. You are in serious violation of TRUTH IN LENDING ACT ( TILA ) 15 U.S.Code 1637 ( b ) ( 2 ) ( a ) and the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error
Consumer complaint received 2024-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am writing to file a formal complaint against Bank of America. Since XXXX, the bank has been withholding my funds and not allowing me to withdraw them. They have informed me that my account is in the process of closure and that I must wait an additional 90 days for a check to be mailed to me. 

This situation is causing significant hardship for me, and I am seeking your assistance in resolving this matter promptly. 

Thank you for your attention to this urgent issue.
Consumer complaint received 2024-07-04
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. (PA)

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 XXXX ( A ), states that I have the right to privacy. 

15 U.S.C. 1681, section XXXX ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( XXXX ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) states : 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 2024-06-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (FL)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-07-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/2024 Bank of America unauthorized setoff of my personal funds from both checking and savings to collect a debt belonging to XXXX XXXX XXXX. 
XX/XX/2024, XXXX XXXX XXXX sent a letter that constituted a demand that Bank of America immediately cease and desist from any further setoff or removal of funds from the personal bank account ( XXXX ) of XXXX XXXX to satisfy any alleged debt owed by XXXX XXXX XXXX. 
XXXX XXXX XXXX is a limited liability company formed under the laws of Delaware. Under Delaware law, members and managers of an LLC are explicitly shielded from personal liability for the debts and obligations of the LLC itself. This is known as the " corporate veil '' protection afforded to LLCs. 
By unilaterally taking funds from my personal accounts based on an ancillary account agreement, Bank of America has improperly pierced the corporate veil and violated my statutory rights under Delaware LLC law. No disclosure or contractual fine print can override these statutory liability protection.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2024-07-04
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. (FL)

This account was charged off on the following date XX/XX/year>. Since then the account has been repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account. 

XXXX  XXXX
Consumer complaint received 2024-07-04
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)

" 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''
Consumer complaint received 2024-07-04
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)

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

Account Name : XXXX  Account Number : XXXX Account Name : Untitled Account Number : XXXX and list of Inquiries. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-04
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)

I recently obtained a copy of my credit report, and upon reviewing it, I discovered an array of errors and unapproved accounts/information. These comments have negatively impacted both my life and credit history.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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

and list of Inquiries.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX 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.

and list of Inquiries.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS) (NV)

CREDIT BUREAUS XXXX, XXXX, CHEX SYSTEMS, XXXX AR violating my consumer rights under FCRA law. I am a victim of identity theft and fraud, and have filed numerous disputes, as well as sent them a report from a Law Enforcement Agency ( FTC Identity Theft Report ). There is a fraudulent XXXX installment loan that does not belong to me, is completely unauthorized by me. They received a certified letter from me on the XXXX of XX/XX/2024, attached to this complaint, stating my rights under FCRA law and my right to exercise them ; to which they have ignored and stalled and blatantly refused to comply with.
Consumer complaint received 2023-07-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (IL)

Yes I tried to check my account and it was closed so I called them and asked them why my account was closed and they told me it's because of a negative balance and how can that be and I have money in my account they gave me no explanation so they said go to review @ chime. com give them my name and the last 4 digits of my social and I did it then I get a email saying send a picture front and back of my ID and hold it up and write on a piece of paper my name address email date of birth last 4 of my social I did it they said it will take 24 hours for them to resolve the problem and that was yesterday it's been 24 hours
Consumer complaint received 2024-07-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: Atlanticus Services Corporation (AZ)

I made my XX/XX/2022 payment and since I was then going to have XXXX XXXX after this so I confirmed that I was signed up for the XXXX Insurance they offered, as I had requested. They rep confirmed that I was signed up. 
Afterwards I received bills every month that showed NO payment had been made by this coverage and that they were charging me late fees every month. 
NO correspondence was received by me from Aspire. I called many times and since there call center is in XXXX I asked that I be transferred to the Corporate office and was told they can't do that, when I then asked for a Corporate phone number I was told they don't have one.! 
These people barely speak English and are incredibly rude. I have had several charges removed that came from suspicious places, like coffee shops and clothing stores that I never made. 
I wrote several letters and never received any response!
Consumer complaint received 2024-07-04
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. (CA)

" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''