davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-28
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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( 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 ) ( 5 ), 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MS)

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 XXXX XXXX  Account Number : XXXX has violated my rights. Or 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 2024-06-28
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. (NE)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-12-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

The information provided during this dispute process was thought to be accurate, under the assumption that your bureau was diligently reporting the theft of my identity. However, it has come to my attention that you are erroneously reporting the fraudulent accounts on the credit report of the victim, perpetuating the damage caused by the identity theft. I was the victim and XXXXm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. Furthermore, I would like to bring to your attention that other credit bureaus were able to confirm the fraudulent nature of these accounts and successfully completed their investigation by removing the fraudulent entries. The stark contrast in the resolution processes among bureaus raises serious concerns about the credibility and reliability of your bureau 's investigation procedures. 
XXXX  XXXX XXXX XXXXPLEASE DELETE!!! XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX XXXX XXXXPLEASE DELETE!!! XXXX and XXXX  have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I demand an immediate and thorough reevaluation of this dispute, with a focus on conducting a valid verification process in compliance with the Fair Credit Reporting Act ( FCRA ). It is imperative that you correct the inaccuracies on my credit report and provide written confirmation of the resolution at the earliest. The continued refusal to rectify this situation is not only a violation of my rights as a consumer under the FCRA but also an egregious oversight that perpetuates the damage caused by identity theft. I insist on your urgent attention to this matter and expect a resolution that reflects the severity of the situation.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-03-14
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: Experian Information Solutions Inc. (PA)

In accordance to 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- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 

15 USC 1681 Section 602 A states- I have the right to privacy.

15 USC 1681 604 A Section 2 states- a consumer reporting agency can not furnish an account without my written information.

15 USC 1681c ( a ) ( 5 ) section - No consumer may make a consumer report containing any of the following items of information. Any adverse item of information other then records of convictions.
Consumer complaint received 2019-07-20
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. (TX)

I've been a victim of identity theft and have been battling the effects of it for several years. I've sent police reports and identity theft affidavits to Equifax directly and through CFPB website to prove this ... I still continue to have problems with illegal/fraudulent inquiries and they refuse to remove them from my credit profile. 

The following inquiries are fraudulent and a result of identity theft : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2024-06-28
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. (MD)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-02-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRUIST FINANCIAL CORPORATION (VA)

This company has been calling me for days all of a sudden back to back. They also contacted my father and lied to him saying they were attempting to deliver something to me. According to law, they are only to contact third parties to verify or get contact information. They have this and already know they have it, as theyve been calling me relentlessly and leaving voicemails! My name is in my voicemail greeting and it is impossible for them to think it could be anyone elses number! My name is rather unusual and it is clearly stated in the voicemail greeting. Theyve violated the law by contacting my father on XX/XX/2024 and I want them penalized for it!
Consumer complaint received 2019-07-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: TransferWise Ltd (VA)

The company TransferWise advertises their " brilliant '' service TransferWise for Business for all businesses to open quickly and use it efficiently. It did sound great to have a Borderless Account for our non-profit organization so we can lower international bank fees of our charitable causes. However, in reality this was very different, complicated and eventually not even allowed. 
I first had to open a personal account, uploading personal documents. Then connect a business account to it, giving details about our charitable organization and its bank account details. Each step of confirmation took several days. Then, in an e-mail they asked 4 questions about our non-profit without explaining why they need to know those questions or what their policy is about. After several days of answering those questions they just said that we can not open this account ( without any explanation ) and blocked both the business and my personal accounts for good but keeping all the sensitive data we have provided in the process. 
They show a false advertisement, as apparently they only open business accounts for their selected clients. Their whole procedure just felt very dodgy and unprofessional to me. Not allowing a charitable organization to open a business account just sounds very untrusty or they just want to deal with big and rich for-profit organizations as businesses.
Consumer complaint received 2024-02-21
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (GA)

On XX/XX/XXXX I received a notification from XXXX XXXX that one of my credit cards was closed, I contacted Citibank they closed my account because of inactivity, I told them the least they could do is send me an email or regular mail or a phone call they apologize, they said in order for me to re-open my card they had to run my credit again and it's gon na be a hard credit hit on my credit score, I told him that was unacceptable, doing my research online I know it is a lot of people are having the same problem with Citibank I would like my Acct to be restored, because of their negligence
Consumer complaint received 2024-06-28
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. (PA)

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 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Resurgent Capital Services L.P. (TN)

When going to the bank to do a personnel loan I was told by my main loan officer at the bank that I had a hard inquiry that was showing since XXXX and when he printed it off for me I called the number listed. When calling I gave them my full name, last 4 of SS, and the account number. She then she ask me my mailing address, when I told her my address she stated that is not what I had on file. I then in turn told her I have lived at the current address for XXXX  years and never lived no where out side the area my whole life. I ask her what she had and she stated that she could not tell me the address on their end. She then told me that she needed me to repeat my current address, I then refused and ask her again what the address was she stated that when I could verify the address they had on their end she could go in further detail. I then told her that I had a open file with the local law enforcement due to being scammed and hacked in XXXX and will just contact them. I contacted the local office here and he has a record of all my information here and told me to file a report on this website as well. This has been such a long hard almost XXXX years. 

Date of being on my credit was XX/XX/XXXX in the amount of {$720.00}. It is stated that it was originally XXXX  ( XXXX ) then closed or charged off XX/XX/XXXX to LVNV Funding LLC ( XXXX ) opened on XX/XX/XXXX and reported to the credit reporting or collection on XX/XX/XXXX. It is stating a Owner : individual Loan.
Consumer complaint received 2024-02-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: Navient Solutions, LLC. (SD)

In XX/XX/2023 I received a letter and claim form from Navient Student Loan settlement, XXXX XXXX Navient Solutions , LLC stating I am part of the settlement and I should receive approximately {$85000.00} in relief. When I contact Navient they state I am responsible for the loans I have and payments need to be made. Im even showing past due on one. Contacting them for clarification, they gave me out of date information and loan numbers that dont match what my documents even show. I contacted them once again and was told one of my loans is eligible. Amounts, dates and loan numbers are not consistent.
Consumer complaint received 2024-01-24
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: PNC Bank N.A. (NY)

XXXX XXXX and PNC BANK by law had at least XXXX and not more than XXXX additional days to reinvestigate to determine whether the disputed item is inaccurate and record current status of claim and or delete the disputed item from consumer file. Since XX/XX/XXXX of XXXX  XXXX XXXX nor PNC BANK followed XXXX laws. XXXX XXXX and PNC BANK failed to use the minimum XXXX days or maximum XXXX days  to reinvestigate.
Consumer complaint received 2024-06-28
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. (OH)

I just recently looked at my credit report XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. I also attached evidence This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Consumer complaint received 2024-06-28
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)

I am writing to express my deep concern regarding several disputed accounts on my credit report. Despite my repeated attempts to address the inaccuracies in these accounts and my requests for thorough investigations, 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 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

After applying for a mortgage i observed several inaccurate information on my credit file. I have written several letters requesting and investigation and that these inaccuracies be fix or removed. 
I continue to get the run around 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
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (TN)

I was doing research on my credit profile and realize a company that I never heard of before. The company name is Early warning a consumer reporting agency that reports consumer information. When I became aware of this I contacted the company and told them that they were in violation of the 1974 privacy act using my information without my written consent. I also told them that my name is copy righted and trademark and that I own my name. I sent them a Cease and desist letter to stop utilizing my name and reporting my info on their credit profile without my written consent. 
Early morning stated that they do not get the information but the banks report it to them. I have no bank accounts all my bank accounts are Trust accounts and their is nothing with my name liked to them or a bank. They willful and knowingly continued to use my mark without my consent. I sent them a Trademark violation letter also and they continue to violate my personal right and federal law. I will be seeking monetary damages.
Consumer complaint received 2024-02-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: JPMORGAN CHASE & CO. (CA)

Chase Auto has not paid me refund from unearned interest from loan that I paid off early. Made up false charges after the loan pay off and has will-fully withheld refunds from cancelled service contracts. 

Chase was supposed to change payment due date to the beginning on the month, and did not in order to bill me for more late fees. 

They have also made multiple falsified negative marks on my credit report, and incorrectly assessed late charges. Almost all the charges and debits on this account is incorrect or have errors. 

They claim to assessed {$160.00} in late charges, but actually charged {$330.00} in late charges, a couple of which were assessed a late charge of 20 %. 

Tried to charge me over {$1400.00} after the loan payoff. 

They really should be audited. If my account was this convoluted, I can imagine the thousands of other consumers being scammed and lied to
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Halsted Financial Services, LLC. (MN)

Halsted Financial Services , LLC XXXX XXXX XXXX, XXXX, IL XXXX OR XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX Re : Request for Purchase Agreements- Account Number : XXXX. 
Account XXXX. XXXX Dear Halsted, Financial Services XXXX XXXX XXXX XXXX XXXX, I hope this letter finds you well. I am writing to request copies of any purchase agreements related to my account with account number XXXX. 
Account XXXX. XXXX. 

I am seeking transparency and clarity regarding the terms and conditions associated with any purchase agreements entered concerning this account. 
Details of the Request : Account Number : XXXX. 
Account XXXX : XXXX. XXXX Purchase Agreements : Please provide copies of any purchase agreements associated with the specified account. 

I am making this request in accordance with my rights as a consumer and to ensure a clear understanding of the terms under which any purchases related to this account were made. Your prompt attention to this matter and timely provision of the requested information would be greatly appreciated. 

If there are any fees associated with obtaining these documents, please inform me in advance. I look forward to receiving the requested information within 30 days of the date of this letter, as stipulated by applicable consumer protection laws. 

Thank you for your cooperation and prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I have sent multiple attempts via XXXX to XXXX and Equifax to have XXXX accounts investigated on my account. 

The credit bureaus XXXX and Equifax did not properly investigate the discrepancies, and nothing changed my profile. 

Account Name : XXXX XXXX XXXX XXXX Account Numbers : XXXX and XXXX Thank you, XXXX
Consumer complaint received 2024-06-28
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)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.