davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-22
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. (CO)

According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 Section 602 ( a ), consumer reporting agencies must handle their responsibilities with fairness, impartiality, and respect for the consumers privacy. XXXX and XXXX are such agencies, and as a consumer, I am entitled to ensure my private information remains confidential. This is further supported by 15 USC 6801, which mandates financial institutions to respect customer privacy and secure their nonpublic personal information. The entity providing information to credit agencies is a financial institution under this statute.

Furthermore, 15 USC 1681 Section 604 ( a ) ( 2 ) specifies that a consumer report can only be furnished according to the written instructions of the consumer. XXXX, XXXX, and the information provider do not have my written consent to share my information. I revoke any previous consent, whether verbal, non-verbal, written, implied, or otherwise.

15 USC 6802 ( b ) ( c ) prohibits financial institutions from disclosing nonpublic personal information to unaffiliated third parties unless the consumer is informed about how to opt out of such disclosures. The information provider never informed me of this right. Additionally, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in reports if it dates back more than seven years, except for criminal convictions. This adverse account, reported without my permission, is illegal.

Under 15 USC 1681s2 ( A ) ( 1 ) ( A ), no person should furnish information to a consumer reporting agency if they know or suspect it is inaccurate. Moreover, 15 USC 1681e requires consumer reporting agencies to maintain reasonable procedures to avoid violating Section 1681c and to restrict the furnishing of consumer reports to authorized purposes. XXXX and XXXX are failing in this regard. 

Lastly, 12 CFR 1016.7 allows consumers to opt out at any time, and I am choosing to opt out of your reporting services.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I requested that XXXX XXXX XXXX XXXX acct # XXXX XX/XX/XXXX be removed from my credit report. Two issues with this account 1 ) This account belonged to my late XXXX XXXX XXXX XXXX XXXX ) this account was included in bankruptcy and the bankruptcy was given a hardship discharged XX/XX/XXXX due to his passing away. The account needs to be removed.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Ive called and sent letters to XXXX, XXXX and Equifax. I counted how many times each company violated my privacy ( 15USC6801-6805 ). XXXX had XXXX, XXXX had XXXX, and Equifax had XXXX violations. I sent them each a copy of my credit report with highlighted violations XXXX weeks ago and havent heard back from any. They also violated 15USC1681c- ( a ) and 15USC1681 ( 5 ) which says they can not put anything adverse on my credit report except convicted crimes, by putting credit card utilization on my credit report thats adverse info. When they add hard credit checks or soft credit checks thats adverse info also. There should only be the name of the credit card and paid as agreed with nothing else. I also asked them on the phone and highlighted all the old non-mailable addresses and phone numbers to be removed.
Consumer complaint received 2024-07-22
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 reviewed my credit report, and I noticed the following inquiries dont have permissible purpose XXXX XXXX this account does not have permissible purpose according to 15USC 1681B XXXX XXXX this account does not have permissible purpose according to 15USC 1681B XXXX XXXXXXXXthis account does not have permissible purpose according to 15USC 1681B
Consumer complaint received 2024-07-22
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. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF  DEBTS XXXX XXXX Account Number : XXXX Delete this account. 


2. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Delete this account. 


4. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


6. 15 U.S. CODE 1692e - False or misleading representations XXXX Account Number : XXXX Delete this account. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.
Consumer complaint received 2024-07-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

To Whom It May Concern, I am writing to formally file a complaint regarding the handling of my dispute by Bank of America. On XX/XX/year>, I reached out to Bank of America regarding a XXXX XXXX XXXX  purchase made on XX/XX/year> in XXXX XXXX, which I realized was from a non-reputable company. 

Here are the details of my situation : 1. **Initial Concerns : ** After the purchase, I discovered that the company had a negative XXXX rating and multiple negative online reviews regarding their service and inflated prices. 
2. **Sales Environment : ** The presentation was conducted in a highly intense and persuasive environment. Despite my better judgment, I made the purchase after the vacation representative verbally assured me that I could cancel the package by contacting a company representative, and that the company offered a money-back guarantee. 
3. **Failed Communication Attempts : ** I attempted to contact the merchant multiple times via email and phone. No one answered my calls, and my emails were returned as " address not found, '' confirming my suspicion that the company might be a scam. 
4. **Bank of Americas Response : ** The credit card representative did not document my reported interactions with the company. I was given incorrect information about where to fax my documents. My documents were not uploaded to my account, causing me to make several calls to verify receipt. Eventually, my dispute was denied with a notice advising me to resolve the issue with the unreachable merchant. 
5. **Further Attempts : ** Despite my continued efforts to reach the merchant, I was unsuccessful. On one occasion when I did reach someone, I was told that they could not assist me because I needed to contact the specific office that signed me up. They provided no further assistance in locating that office. 

I am seeking your assistance in resolving this matter. I believe this company is a complete rip-off, and I am simply requesting a refund. Bank of Americas mishandling of my dispute has caused me significant stress and inconvenience. 

Thank you for your attention to this matter. 

Sincerely, XXXX
Consumer complaint received 2022-09-05
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. (NY)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX have 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 an account without my written instructions.
Consumer complaint received 2024-07-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

On XX/XX/year>, I booked a stay at a hotel in XXXX, CO through Capital One XXXX. I was charged over {$1500.00} for this stay- which was higher than other prices I found though different merchants. When I booked, there was no mention of additional fees, except for extra guests, which was not a concern as I was traveling solo. 

I checked into the hotel on XX/XX/year> and checked out on XX/XX/year>. At the time of checkout, I was given a bill of {$140.00} - after seeing that Capital One 's travel partner had only sent {$920.00} of the {$1500.00} I paid to cover my stay. Although I felt this was unfair, paid this amount using my Capital One card. 

I contacted Capital One to resolve this issue, as I had already paid for my stay and was unfairly charged more, for the XXXX Rate ', 'amenity fees ', and addtional taxes ( although I had already paid over {$300.00} in taxes ). 

I have called Capital One XXXX over 5 times in the past month, and have been given multiple promises for them to contact me back with updates - but they do not follow through. I have to keep calling to ask for updates and pushing forward to understand these charges and get them resolved. 

I finally got about half of the charge refunded- but I think the entire charge should be refunded.
Consumer complaint received 2024-07-22
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. (MO)

I am writing to express my serious concern regarding the inaccuracies on my credit report. Despite multiple requests for investigation, I have yet to receive a satisfactory resolution or corrective action. These disputed accounts are having a severe impact on my credit file and significantly affecting my daily life. 

The inaccuracies have caused immense hardship, and I am now compelled to request your immediate assistance in addressing this matter. Please conduct a thorough investigation into each of the disputed accounts and take prompt action to update and correct my credit report. 

Restoring the accuracy of my credit file is crucial for my financial well-being, and I urgently need your help to rectify this situation without further delay. Your swift action and cooperation in resolving this issue would be greatly appreciated. 

Thank you for your understanding and prompt attention to this matter.
Consumer complaint received 2024-08-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (GA)

I opened an account with PayPal in order to receive payments from my clients XX/XX/year>. Immediately, PayPal began placing my payments in a hold status. I contacted customer service and first they said it was because I needed complete shipping. I informed them that my clients paid for and received an instant service online, tarot reading. The holding process persisted. Then on XX/XX/year> a limitation was placed on my account where I could not receive any further payments until I provided PayPal with information about my business. I did so. I was told to wait XXXX hours. PayPal then asked for additional information, which I submitted. PayPal released the limitation allowing me to continue receiving payments from my clients, but not allowed to withdraw my funds at all and some of those funds also instantly go into a holding status. It has now been XXXX hours. I have submitted everything that PayPal has asked for and made it clear that they are causing me a great hardship by not allowing me to withdraw my funds. At this point they just continue telling me to wait. I do not have confidence that they will give me access to my funds as I have seen that PayPal has a history of seizing the funds of their clients.
Consumer complaint received 2024-07-22
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. (MS)

I am writing to file a formal complaint against TransUnion and XXXX for their failure to properly investigate and address my identity theft dispute in accordance with the Fair Credit Reporting Act ( FCRA ). 

Background : Identity Theft Incident : I have been a victim of identity theft, which has resulted in several fraudulent accounts and incorrect information appearing on my credit reports with TransUnion and XXXX. 

Reporting and Documentation : Following the guidance provided by the credit bureaus, I filed the appropriate identity theft report with the Federal Trade Commission ( FTC ). I also submitted an affidavit of dispute, along with three forms of identification to both TransUnion and XXXX. 

Non-Compliance by TransUnion and XXXX : Despite my adherence to all necessary procedures, TransUnion has responded with a letter stating that my disputes do not appear to be from me, which is both incorrect and unlawful. I have made multiple attempts to rectify this situation by providing all requested documentation, including my FTC report and a sworn affidavit. However, both TransUnion and XXXX have failed to open a proper investigation into my claims and rectify the inaccuracies on my credit report. 

Fraudulent Account Details : One of the fraudulent accounts that I am disputing is with XXXX, account number XXXX, with an amount of {$480.00}. 

Violations : Fair Credit Reporting Act ( FCRA ) Violations : TransUnion and XXXX are in violation of FCRA provisions, which mandate that credit reporting agencies must conduct a thorough investigation upon receiving a dispute along with appropriate identity theft documentation. 

Failure to Conduct a Proper Investigation : By dismissing my dispute and failing to open a proper investigation, TransUnion and XXXX are neglecting their legal obligations under FCRA Section 611 ( 15 U.S. Code 1681i ), which requires a reasonable investigation of disputed information.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Reporting anything negative on consumer report without my permission, more being notified before hand by furnisher is a violation FCRA and XXXX Compliance & reporting violations 15 usc 1681a ( d ) ( 2 ) ( a ) ( i )
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I refinanced my vehicle from XXXX in XX/XX/XXXX. I received a notice that a late payment would be reported to the credit bureaus if payment was not made by XX/XX/XXXX. My payment was received on XX/XX/XXXX for the full payoff amount. XXXX later reported my final Payment as late causing my credit score To drop significantly. I disputed the inaccurate information immediately following the negative report.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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.
Consumer complaint received 2024-07-22
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. (GA)

Subject : Complaint Regarding TransUnion Reinvestigation Results I am writing to file a formal complaint against TransUnion regarding their handling of the reinvestigation of my credit report dispute. Despite following the appropriate procedures and providing comprehensive documentation, TransUnion has failed to address and correct several inaccuracies in my credit report. Attached is my dispute letter
Consumer complaint received 2024-08-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

Upon checking my credit reports in XX/XX/XXXX, I discovered a collection account had been placed on all three of my reports under LVNV Funding/Resurgent Capital Services . Looking the name up, I discovered this was a debt collector/debt buyer. I contacted Resurgent Capital services by mail on XX/XX/XXXX and requested validation of debt and that this be deleted from my credit report. Resurgent did not provide me with the original purchase agreement that shows that they legally own this alleged debt. Whats more, I was never notified of this alleged debt. It was placed on my credit reports and after receiving no validation that LVNV Funding/Resurgent Capital owns this debt, I contacted the three credit bureaus ( XXXX, XXXX XXXX and XXXX ) for dispute. All three credit bureaus did not provide me with a true explanation or investigation. They just said its verified with no proof. This is misleading data and Ive shown proof.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX, Al, XXXX SS # XXXX XXXX XX/XX/XXXX XX/XX/XXXX Dear Sir or Madam, I am writing to formally dispute for the 3rd time! the accuracy of information listed on my credit report. In accordance with the Fair Credit Reporting Act, Section 1681i, I request a reinvestigation and correction of the following information : Name : XXXX XXXX XXXX Account NumberXXXX Date OpenedXXXX Balance {$7300.00} Name : XXXX XXXX  Account NumberXXXX Date XXXX Balance {$460.00} Name : XXXX XXXX XXXX  Account NumberXXXX Date OpenedXXXX Balance {$130.00} Name : XXXX XXXX XXXX Account NumberXXXX Date OpenedXXXX  Balance {$14000.00} I believe these accounts are inaccurate and the information is incomplete Please investigate this matter within the 30-day period as required by law and correct or delete the disputed item from my credit report if it can not be verified. If the item is verified, please provide me with the method of verification as required by the FCRA. Thank you for your attention to this matter. I look forward to your prompt response. This information is harming me mentally and financially. Sincerely, XXXX XXXX
Consumer complaint received 2024-08-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (OH)

The Company is in violation under Fair Debt Collection Practices Act ( FDCPA ). 
The comapny never sent any communication letter about the debt. The company are authorized neither license to collect or do business in my state, the company is actully reporting a debt that do not belong to me which I do not have no knowlegde of the debt. I am request the company to provide me the following documents : 1. The full amount of the alleged debt, including any fees or charges added.

2. Complete and detailed explanation of the alleged debt, including the original creditor 's name and address, and details of all transactions associated with the debt.

3. Copies of all original signed agreements or contracts forming the basis for the debt alleging that I have a legal responsibility to pay you.

4. Proof that the statute of limitations has not expired on this account.

5. A license number and the registered agent for service of process for your company in my state OHIO.
6. Any judgment, if applicable.

7. Verification that you are authorized to collect debts in OHIO.

8. Documentation showing you are licensed to collect in my state OHIO, along with your license numbers.
Consumer complaint received 2024-07-30
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: EQUIFAX, INC. (NY)

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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX