davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-15
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. (SC)

I am writing to express serious concerns regarding issues I have encountered with the credit bureau. Upon reviewing my credit report, I discovered several inaccuracies, including false account listings, inconsistent billing, unauthorized inquiries, and accounts that do not belong to me. These discrepancies significantly impact my financial security, and I urgently seek your assistance in resolving these matters.
Consumer complaint received 2023-03-23
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. (IL)

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, 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 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LJ Ross Associates (NC)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' L J ROSS ASSOC is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' L J ROSS ASSOC the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, L J ROSS ASSOC whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' L J ROSS ASSOC Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  XXXX XXXX # XXXX. 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.
Consumer complaint received 2024-09-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

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 2023-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (PA)

On XX/XX/2023 at XXXX XXXX. My account information including my email, phone, and password was changed on my Chime bank account. Within the next hour roughly {$20000.00} was transferred out of my bank account to various destinations. I did not authorize any of the changes to my account or any of the transactions Ill list below. 

The first was a transfer to user XXXX  XXXX for {$5000.00} dollars. I did not send or authorize to send any money to this user. This transfer has since been disputed and has been deemed and error and I have had funds returned. 

Starting at XXXX XXXX  the same day, a string of 7 transactions took place without my knowledge or consent totaling {$10000.00}. There were payments to two different websites I have never visited or received any services or products from either website. I have disputed these transactions and Chime has determined there to be no error, which is false. 

The last fraudulent item was a Chime credit builder account that was opened in my name which was not authorized by me. The account charged {$5300.00} to websites I have never visited or received anything from. Chime has also determined that there was no error here, which is again false. 

Chime provided no documents or feedback pertaining to the investigation in the email that let me know their were no errors found. 

I have made a rebuttal and requested Chime show me their investigation. I also have filed a police report with the XXXX State Police # XXXX. They are currently investigating.
Consumer complaint received 2024-09-03
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jon Barry and Associates, Inc. (NC)

Paragon Revenue Group XXXX {$1900.00} XXXX XXXX XXXX  $ XXXX XX/XX/XXXX XXXX XXXX XXXX {$790.00} XX/XX/XXXX XXXX XXXX XXXX {$700.00} XX/XX/XXXX XXXX XXXX XXXX {$17000.00} -Charge off as bad credit XXXX I have disputed all of the above accounts. I have asked for validation or purchase agreement of all of the above. I have not received any information for the above companies.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am currently reviewing my TransUnion credit report and there are addresses reporting on my credit report that are not mine. 
Below is a list of the addresses that I would like to have permanently deleted from my TransUnion Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Upon reviewing my credit report, I have identified the following item ( XXXX ) that contain inaccuracies : XXXX. Former : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX, XXXX XXXX. Former : XXXX XXXX XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX following personal information is incorrect Also Known As : XXXX XXXX XXXX XXXX The following personal information is incorrect Also Known As : XXXX XXXX XXXX UN-AUTORIZED INQUIRIES XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( DUOLICATE REPORTING ) XXXX XXXX  DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX DATE OPENED XXXX XX/XX/XXXX XXXX { DUPLICATE REPORTING } In accordance with the Fair Credit Reporting Act, I hereby request that these items be thoroughly investigated and promptly removed from my credit report. It is my understanding that you are obligated to verify these items with the respective creditor. Any information that can not be verified by the creditor should be deleted. I am aware that as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter.

Please send an updated copy of my credit report to the address provided above. According to the act, there should be no charge for this updated report. Furthermore, I kindly request that you notify any party who has obtained my credit report in the past six months of the necessary corrections.

Thank you for your attention and assistance in resolving this matter.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: R.M. Galicia, Inc. (CA)

I am writing to verify an account that appears on my credit report. The account in question is reported under the following details : Collection Account Name : RM GALICIA/PROG MGMT SYSTEMS Account number XXXX .... 
Reported Address : XXXX ( identification number ). 

I would like to formally request an investigation into this account, as it is associated with an address where I have never lived. According to the Fair Credit Reporting Act, I have the right to dispute inaccurate information on my credit report. 

I kindly request that you investigate this matter and remove this account from my credit report, as it is not valid.
Consumer complaint received 2024-09-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: V and H Portfolio (KY)

The loan has an interest rate of 591.18 % attached to it and I couldn't pay the balance down. I tried to reach out for a payment plan, but my efforts were refused. The loan originated in XXXX, but recently discovered it was sent to collections. There isn't illustrated how much was paid toward the loan, either.
Consumer complaint received 2024-09-03
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: FIRST PORTFOLIO SERVICING INC (NC)

I bought my prepaid visa card on XXXX, And I tried buying stuff on XXXX and XXXX and It wouldnt accept, I put XXXX on the XXXX XXXX I need help, It wont even let me see my card info in XXXX
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I am responding back to the investigation on my reprt from XXXX  and transunion. Somethings on my reprt doesnt look right. I am seeing some incorrect information. dates, account #, amounts dont match up across both buraues. I need a reinvestigation on the accuracy of my account.
Consumer complaint received 2024-09-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (GA)

I, XXXX XXXX XXXX, of XXXX, in XXXX XXXX, Georgia, MAKE OATH AND SAY THAT : I am a victim of identity theft fraud and have been since 2019. This has had a profound impact on my life. I have had numerous accounts added to my name for debts that I did not create. The suspect used various names and addresses that are not tied to my name, and this information needs to be removed because I am a victim of identity theft fraud. Please do not open any accounts without contacting me first at ( XXXX ) XXXX. The suspect has used fraudulent addresses for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX. None of these fraudulent names or addresses belong to me. My address is XXXX XXXX XXXX XXXX XXXX, GA XXXX. 
I have filed police reports stating this address is fraudulent. The person was able to fraudulently obtain fraudulent accounts from XXXX XXXX, CAINE WEINER XXXX XXXX XXXX XXXX. I never authorize anyone to use my information fraudulently to obtain these accounts. I have been a victim of fraud since 2019 and someone has opened numerous accounts that does not belong to me.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to file a formal complaint against XXXX for their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically regarding my identity theft dispute. 

Over 20 days ago, I submitted an identity theft dispute to all three credit reporting agencies. According to the FCRA, they are required to investigate within four days and either block the fraudulent information or provide a written denial with an explanation of why the block was not granted. 

To date, this company has nit responded to my dispute, violating their legal obligations under the FCRA. This delay in action has caused me significant harm, as fraudulent accounts continue to appear on my credit report, negatively affecting my credit standing. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that TransUnion, XXXX, and XXXX comply with federal law, and that they immediately address and resolve my identity theft dispute. 

I appreciate your attention to this issue and look forward to a prompt resolution. 

Sincerely, XXXX XXXX
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, that I recently received. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity. The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2022-11-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX, Transunion, and XXXX violated 15 U.S.C 1681a for refusing to block the fraudulent accounts that was not verified I submitted an identity theft reported provided my proof of identity submitted an identity theft affidavit with The Federal Trade Commission see ( attached documents ) as required according to federal law and the credit reporting agencies failed to block the information or provide a legal reason for not doing so.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This account is in violation of ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account is reporting as charged off but is reporting as opened the account is also showing a balance but a balance is not owed because it was charged off this account is reporting and violating the accuracy rule
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This letter is to report XXXX. My identity has been stolen and the person who stole my identity was able to access my XXXX account and unfreeze my credit. I was never able to speak with anyone from XXXX to ensure a fraud alert or reinstate a credit freeze. I am still not able to sign into my account and there is no option to speak with a customer service agent. I do not know if the person who stole my identity is using my credit with this agency and applying for credit as if they are me. I went through two weeks of someone breaking into my accounts by changing the email addresses and passwords- this can even be done over the phone. This is criminal and security is lax with no regard for actually protecting my sensitive information. 

The person who stole my identity was able to access all three of my credit reports, and change my email address by putting in a fake one. They then were able to receive notices for codes to get into my accounts. The two factor authentication security methods and special code words were able to be bypassed by XXXX, Transunion and XXXX. NONE of the three credit reporting agencies were responsible enough to not keep my information safe. 

After two weeks and sending in a lot of sensitive information that these three agencies ( XXXX, XXXX and XXXX ) say they are trying to protect, I still feel they have not addressed my concern and they are failing to protect my identity. XXXX is especially at fault because there is not way to speak with an actual human in customer service to report fraud and get extra protection on my account.
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, that I recently received. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity. The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.