davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 : XXXX Account numberXXXX 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 2023-03-14
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. (MI)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items that do not belong to me. Please remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you in order to solidify my complaint. 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 2023-03-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (VA)

Please refer to previous complaint : XXXX. My son 's Navy Federal Credit Union XXXX XXXX account was hacked and nearly {$9000.00} was stolen by person ( s ) unbeknownst to us. Regarding our previous complaint, Navy Federal 's " investigation '' of this event had gone on for a long period of time and our complaint was pertaining to not receiving any updates from Navy Federal. The previous complaint account was closed by CFPB on XXXX when Navy Federal responded that they were " still working on the issue. '' We finally received a decision from Navy Federal on XX/XX/ that they could not subtantiate that the money was fraudulently removed from the account and thus are holding us financially liable. I am co-owner of the account and neither me, my son nor anyone we know had anything to do with this theft. Navy Federal not being able to prove fraud is NOT the same as proving that we were responsible for this. Additionally, Navy Federal will not share any information regarding their " investigation '' without a subpeoena. We have contacted multiple organizations- Federal Trade Commission , Cyber crime unit of the FBI , and the National Credit Union Association and none of these organization has been able/willing to help us. I have also contacted multiple lawyers and have found no one willing to represent us. Navy Federal promotes a " Zero Liability '' provision for fraudulent activity on their accounts, and I feel that this should apply to us. At a minimum, since they are essentially stating we are guilty of stealing these funds, they should be required to share the information that they feel substantiates this. Otherwise this is analogous to being found guilty without due process. I am hoping that this could be further evaluated and feel that Navy Federal should be made to share their information that implicates us which will ultimately show that we were not found to have committed this crime. Thanks very much for your help with this most distressing matter. 

XXXX XXXX
Consumer complaint received 2023-04-14
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: EQUIFAX, INC. (NY)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2023-04-14
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. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : 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 XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have noticed that the following companies are reporting addresses that are not mine, I have provided a copy of my Drivers license, and these Banks have Account charged my account without sending me a 1099C Under Section 166 of the Internal Revenue Code, All debts or Accounts are charged off. Must send the consumer a 1099C which I have not received from this bank. XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX are bank ( as defined in 1.166-2 ( d ) ( 4 ) ( i ) of the Income Tax Regulations ) and is subject to supervision by Federal authorities. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX has elected under 1.166-2 ( d ) ( 3 ) to use the conformity method of accounting to determine when debts owed to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX become worthless bad debts. 
15 U.S. Code 1681b - ( a ) ( 1 ) ( 2 ) Permissible purposes of consumer reports 15 U.S. Code 1681a - ( 2 ) ( A ) ( i ) 15 U.S. Code 1681a - ( 2 ) ( B ) 15 U.S. Code 1681e - ( b )
Consumer complaint received 2023-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Sir or Madam : I did not provide written permission or instructions for the identified INQUIRIES to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified INQUIRIES. The identified transactions are not information related to any transactions by me as the consumer. 

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 Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my Identity Theft Report Proof of my identity Copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

On XX/XX/2023, my husband and I received individual letters in the US postal mail from Bank of America, XXXX XXXX XXXX, XXXX, Texas XXXX. It was a low promotional APR off on new purchases. Both offers were based on the Bank of America " Cash Rewards '' credit card which both my husband and I possess individual credit card accounts with BOA. Both my husband and I enjoy the same individual credit scores in the XXXX. My husband 's promotional offer was 1.99 % promo APR on new purchases for nine billing cycles with a 13.49 % variable APR thereafter ; however, my offer was 5.99 % promo APR on new purchases for nine billing cycles with a 17.24 % variable APR thereafter. I was shocked to see such discrimination against women and/or age. On XX/XX/2023 at XXXX am XXXX, I called Bank of America 's Credit Card Sales Dept at XXXX in XXXX, AK and they verified the promotion was for only those with " Cash Rewards '' BOA cards but could not justify the discrepancy between our male ( younger ) and female ( older ) offer. They said they would pass on this problem and BOA will call us back. The BOA call never came. Therefore, I am requesting CFPB to investigate sex-based discrimination practices with BOA 's promotional APR offers to their customers.
Consumer complaint received 2023-06-27
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. (MI)

This company just mailed me another fraudulent form .Stating should report to XXXX which s FRAUD.!!!!! I am AMERICAN so stop doing illegal things in my name.!!!! I also tried to put a fraud alert on my account and EQUIFAX denied the access to do that.I called and I have sent letters.This company needs to be investigated immediately.And why is CFPB PROTECTING THEM.They supposed to respond..I am tired of being treated like a dog.This is unacceptable FRAUD..I want all out of pocket expenses paid now.I am not this all caps name .I am alive in wellStop the contract FRAUD AND EXTORTION.
Consumer complaint received 2023-03-14
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: EQUIFAX, INC. (SC)

I became a victim of identity theft a couple of years ago after that, I see a lot of inaccurate and authorized items in my credit report please these authorized items which are not authorized by me 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ( consent ). By law, NO consent is identity theft.
Consumer complaint received 2023-04-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-04-14
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: LEXISNEXIS (PA)

Ive asked multiple times for LexisNexis to verify information about the bankruptcy because the information that they have is not correct and that they have on file that was never given permission to them to get that record also asked him multiple times to delete all the phone numbers and addresses old names that do not match. Still havent got anywhere. 

My current name is XXXX XXXX XXXX Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, PA XXXX That should be my only name and address on the LexisNexis file
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-07-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC (FL)

I got solar panel approx 1 yr ago. I brought out 6 mo of electricity bills and was told I would be paying the average of the payments with very low interest ( XXXX ). Was told payment would be XXXX mo ( average of 1 years electricity payments. After panels were installed, got a call from lender- goodleap. They told me that to keep the payment the same- they want 25 % of the entire bill ( XXXX ) in 18 months. This basically would take away my government discount for the panels. This Was never mentioned prior to installation. So if it wasnt paidmy monthly bill would would go up by about XXXX more a month. So I am trying to pay off the loan- they are still saying pay off is XXXX. I did not give them the XXXX extra ( 25 % pd by 18 mo ) it seems that me paying XXXX month should have decreased it somewhat plus I would expect it to go down if it is paid off early- I.e. finance charge. This is predictory lending.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX opened a account without my authorization. They did close account but not before reporting to all credit report agencies that I owed over {$60.00} dollars to them They failed To answer my emails and there is no phone number listed for them. Now my report shows a drop of 60 points. They show the debt as a over 30 days. I have no idea what it is I also saw that there are numerous complaints against them that they were fines and repayments made
Consumer complaint received 2023-03-14
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Synter Resource Group, LLC. (NJ)

To whom it may concern, Thank you for taking your time to read this. Our information was given to a third party company " SYNTER RESOURCE '' from " XXXX ''. The company ( XXXX supply ) uses third party delivering services ( XXXX ). We had an agreement with MRO supply for supply services ; therefore, the company initially contacted for services was XXXX supply. Our information was then given to XXXX, while not being in direct contact with them they have decided to charge us with nothing but an invoice. They do not have purchase orders ; however, we have a purchase order with XXXX XXXX and it states free shipping. Which is what the debt is in regards to. If someone could please assist, because we are getting calls from a debt collection agency. " SYNTER RESOURCE '' has not responded to the dispute letter we sent, and they have received the letter. We get an automated call with details of how much the alleged debt is everyday, and the calls do not let us speak to a live person. The company " SYNTER RESOURCE '' is also unresponsive to our phone calls or emails. Any assistance would be greatly appreciated. Thank you XXXX XXXX
Consumer complaint received 2023-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (FL)

On XXXX submitted for my 2023 Costco Cash Rewards to be redeemed via the offered electronic transfer option to my bank account. The transfer of {$300.00} was to take place within 3-5 business days but as of today, XXXX, has not transpired. Multiple phone calls and conversations with Customer Service Reps and Supervisors have ended with no resolution. In one conversation on XXXX there was to be an inquiry/investigation with a phone call within 7-10 business days which also did not occur. My last conversation with a Customer Service Supervisor basically ended with him saying he has no information or updates.
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: CAINE & WEINER COMPANY, INC. (AZ)

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP (NJ)

Late XXXX XXXX applied for and received approval for US Bank Business Credit Card XXXX 
I SPECIFICALLY applied as a result of their 18 month 0 % APR purchase and balance transfer offer. 

Approximately first week of XXXX, during what seems to have been system upgrades/updates inside their portal, I was UNABLE to add a payment mechanism to the portal. 

Believing that a bank with XXXX XXXX XXXX  under management would a ) know about it's technology and platform issues, and b ) would rectify them in a timely manner, I presumed, evidently incorrectly, that they were aware of the issue, and would not embark on penalizing its account holders as a result of problems with its site. 

Approximately one week after payment was due in XXXX, I was greeted to a late payment fee of {$39.00}. 

I called in and spoke to a lovely woman who I explained the situation and site issues to. I noted while on the phone with her that the issue had been resolved, and processed payment immediately. She also as a result of recognizing US Bank 's technology failures reversed the late payment fee of {$39.00}. 

Fast forward one month and I'm looking at an unusually high bill on the account. I look at the statement and I'm greeted by the 0 % 18 month intro period disappearing and being replaced with 23.49 % APR. 

I call in twice today. 

First, the woman I spoke to placed me on hold for several minutes ( what she called " a moment '' ), and the second the supervisor got on the line, she hung up on me after attempting to verify that XXXX 's name was in fact spelled as XXXX. 

On the second call, XXXX, who evidently thinks its appropriate to address customers as anything other than Sir or XXXX XXXX saw fit to interrupt multiple times while attempting to notify US Bank of its CONTINUED error stemming from its site errors last month. 

As a result of US Bank 's continued errors I am now being billed in excess of XXXX XXXX that I am in no way due or accountable to and this needs to be rectified.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I sent out a letter in XXXX and also called the company, To remove information that was not mine, nor did i want on my credit profile. According to the Fair Credit Reporting Act 12 USC 1681, i have the right to privacy. Also according to 15 USC 6802, No financial institution is not allowed to share my information with third party people These are clear violations of my federally protected consumer rights
Consumer complaint received 2023-09-28
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: Experian Information Solutions Inc. (TX)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.