davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-09
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. (MN)

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 2024-10-09
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. (TX)

I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.
Consumer complaint received 2024-09-25
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 (TX)

my account was being deducted without my authorization for a program better me that was canceled through XXXX XXXX services. Because there is no way to communicate with a live agent when there is a problem with a XXXX XXXX payment i started the dispute with Navy Federal and when Navy Federal sent me a link to upload supporting documents for my dispute to my email. I uploaded the cancellation confirmation XXXXXXXXXXXX XXXX XXXX  provide as well as a copy of the program showing canceled but navy federal did not process the dispute nor communicated with me other than telling me my claim was denied. The reason they gave was i never provided them any documentation to back up my dispute and that is not true i also have confirmation the documents was submitted to them 2 different times Navy Federal has not resolved my other 2 cases as well, nor have i received a temporary on 1 case where the merchandise was returned the tracking shows delivered. and the 2nd case the merchant did multiple charges i provided documentation on those as well. XXXX, XXXX
Consumer complaint received 2024-08-22
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. (TX)

I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a XXXX determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-08-22
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. (TX)

I am a victim of XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-10-08
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)

I'm reaching out for help regarding the inaccurate account listed on my credit report. This issue has caused harm to my reputation, and I rely on your assistance to address it. Due to your mismanagement of my credit information, my credibility has suffered. I urge you to remove these mistakes from my credit report.
Consumer complaint received 2024-10-09
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)

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 : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights. 

I looked at my Trans Union LLC report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have sent over 5 separate request asking for federal law to be applied to my credit report based on XXXX. I provided the attestation form the organization and my ID. They keep asking for the same information that I have sent them several times in response to their request for additional information.
Consumer complaint received 2024-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Below is information filed with the Michigan Attorney General. The attorney general referred me to you as Bank Of America is federally chartered. 

Consumer Information Your Last Name : XXXX First Name : XXXX XXXX. 
XXXX XXXX Address : XXXX XXXX XXXX XXXX : XXXX XXXX Your State : MI Zip Code : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX E-mail Address : XXXX XXXX Company Name : Bank Of America Street Address : XXXX North XXXX XXXX XXXX : XXXX XXXX : NC Zip Code : XXXX Product Offered : Online XXXX XXXX Web Site Address : www.bankofamerica.com Primary Jurisdiction : Bank Complaint Information Incident Date\Time : XX/XX/year> XXXX XXXX  Incident Location : Online Approximate Monetary Value : {$5000.00} What was the response from the business? Investigating as a payee fraud case. The bank does not want to reimburse me until it received reimbursement from the bank that cashed what is believed to be a washed check. This can take up to a year. The Bank Of America online XXXX XXXX policy states that consumers are protected against fraud. It does not state that the bank needs to recover the funds prior to reimbursing the consumer. 

Complaint Detail/Inquiry Information I requested that a check be issued to XXXX XXXX XXXX for {$5000.00} via online bill pay. My online request included the correct payee address and payee name. The check was issued on XX/XX/XXXX. The payee, XXXX XXXX, had not received the check within a normal timeframe. I then contacted Bank Of America and they confirmed that the check was issued and cashed in the full amount. XXXX XXXX checked in all departments and had no record of a check cashed in this amount. I then asked Bank Of America to send me a copy of the cancelled check via traditional mail. The cancelled check was received by me on XX/XX/year>. Bank Of America, through its online XXXX XXXX  system, had sent the check to an incorrect payee at anincorrect address or the check was intercepted and washed. Either way, an incorrect payee deposited the check. This payee is not a business that I have ever paid or contracted for services. Bank Of America reached out to XXXX to verify that they did not receive or cash the check. XXXX confirmed thatthey had not received or cashed the check. This would not have been possible as the check was not sent by Bank Of America toXXXX. I requested that Bank Of America immediately send a check to the correct payee, at the correct address, as it was thefault of BofA that a check was sent and subsequently cashed by a party which was not entitled to any payment from me. Bank Of America wants to treat this as a fraud case in which XXXX will have to prove that it did not receive or cash the check. This will be a prolonged process that is unnecessary as the cancelled check, which was provided by BofA, is proof that BofA sent the check. 

If you review the images, you will note that the requested payee is different from the payee on the actual check.
Consumer complaint received 2024-09-17
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. (CA)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 2023-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Equifax is reporting inaccurate false information to my credit report and will not provide me the validate information to wham or where they got the information that states this information is correct. 

I paid off my XXXX XXXX XXXX on XX/XX/2023, leaving a balance zero owe to the company. I have disputed this balance with Equifax 2 times along with disputing it with CFPB ON XXXX file # XXXX. Both times I provide Equifax copies my credit card statement showing No balance was due and that the account was paid in full. 

I even contact both Equifax and XXXX XXXX by phone and spoke with XXXX XXXX XXXX disputing department that the inaccurate information was being reported wrong on my credit report. I was assured by both Equifax and XXXX XXXX this will be taken care of ASAP. As of XX/XX/2023, I received a updated report from Equifax showing the same balance owed {$470.00} which is inaccurate. 

This has hindered me from applying for credit cards, loans and affecting my overall credit score which Equifax lowered from a XXXX down to a XXXX.
Consumer complaint received 2024-09-17
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. (GA)

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

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-21
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. (KY)

I reviewed my Consumer Reports and noticed that I had several late payments on an account that I have never been late on. Consumer Reporting Agencies have taken on a vital role and have a responsibility to report on consumers to the best of their ability with Maximum Accuracy. I have never been late on payments on the account : XXXX XXXX NUmber account : XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I demand that these payments be brought up to date on time as they should be as I have NEVER been late. Thank you.
Consumer complaint received 2023-04-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2023 I requested XXXX to wire transfer $ XXXX, xxx.xx USD from my account to my savings account at Chase Bank. Unfortunately the monies never arrived. 
I mistakenly inserted the wrong XXXX XXXX account number as follows XXXX, the underline denotes a number missing. However it should have been the correct account number as follows XXXX. 
I notified XXXX of what happened and requested that they contact Chase to have Chase to return or credit the money to my account. 
On XXXX XX/XX/2023 XXXX submitted the correct documentation to Chase. Neither XXXX nor I have yet to receive any response from Chase that they had received XXXX request. 
A number of weeks and during the past weeks XXXX tried contacting chase numerous times but no response by phone and e-mails. 
In the meantime, I requested my Private Client banker ; XXXX XXXX XXXX XXXX and Branch XXXX XXXX XXXX XXXX if they would assist me in having Chase return the money. Their reply was that they could not since it is up to XXXX to initiate the process. I also asked XXXX XXXX and XXXX XXXX several times if there was an account anywhere in Chase with the afore mentioned incorrect number, and both replied that they could not do this due to privacy concerns. 
I attempted numerous times to contact Chase Wire Transfer Department and as soon as I gave them the my correct account number, I was transferred to someone in XXXX XXXX Department even though I mentioned several times that this was concerning a Wire Transfer and not a Private Client matter, it fell on deaf ears. 
On, XXXX XX/XX/2023 morning, I sat with XXXX XXXX XXXX Manager-Client Relationship Support for more than an hour trying to contact someone from Chase to help us, we were spun all over the place and nothing happened again. 
XXXX XXXX also tried to contact XXXX XXXX XXXX Chase XXXX XXXX at XXXX and had to leave a message with her secretary, XXXX XXXX nor I, have not had any response to the numerous requests. 
Please understand that I am a Senior Citizen and XXXX XXXX Veteran suffering from XXXX, amongst other things ; I find the afore mentioned very frustrating and difficult to deal with. 
I am requesting that someone in Chase look into this matter and respond to me or XXXX XXXX of the status of my money. 
Thank you
Consumer complaint received 2023-11-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am concerned about the accuracy and effectiveness of your bureau 's investigation process, as the fraudulent accounts persist despite the documentation I have provided. I am writing to formally dispute and request the removal of fraudulent accounts currently appearing on my credit report. I have previously reported these accounts as fraudulent, but they persist on my credit report, causing significant damage to my creditworthiness. 
Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Despite these efforts, the fraudulent accounts continue to be reflected on my credit report, impacting my ability to secure credit and causing undue stress. I request that you conduct a thorough and comprehensive investigation into the presence of these fraudulent accounts on my credit report.
Consumer complaint received 2024-10-09
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. (FL)

I'm asking for your assistance in dealing with the incorrect account thats showing up on my credit report. This issue has harmed my reputation, and I urgently need your help to correct it. The inaccurate reporting has caused me significant personal and professional damage. Please remove these false details from my credit record.
Consumer complaint received 2024-10-09
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. (FL)

XXXX sure Ive been paying on time, yet there are some months where Ive been reported as late, which shouldnt happen. XXXX XXXX states that any billing errors must be corrected and the account updated to show it was paid as agreed.
Consumer complaint received 2024-09-26
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: EQUIFAX, INC. (AL)

To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my Equifax credit report. My latest credit report shows 6 credit inquiries that I did not authorize.

I am writing to dispute the following inquiries and asking for their removal from my credit report.

I noticed these inquiries dont have permissible purpose and according to FCRA it must have permissible purpose and according 15 USC 1681 B XX/XX/XXXX - Capital XXXX XX/XX/XXXX - XXXX XXXXXXXX XX/XX/XXXX - XXXXXXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX - XXXXXXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX - XXXX Branch via XXXX Bank XXXX have these unapproved inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-04-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (IL)

Ive tried contacting XXXX and they told me to submit my documents and I did numerous of time. I truly believe XXXX has no respect for the CFPB they disregard my emails and my faxes, every time I call they tell me that they did not receive it, so maybe I have to fax it again, I told the Rep that I faxed it numerous of times, what's the hold up. she then put me on hold and came back XXXX minutes later, stating they received my Id but nothing else. Therefore she said call back and see if anything came in I called back XXXX hours later I got a different representative I stated my case, and she put me on hold for about XXXX minutes and came back and said that I did not have any faxes at all, so I said the other rep told me that they got my Id, now you're telling me that you don't see nothing, and she said no try back tomorrow.
Consumer complaint received 2024-10-10
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. (FL)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX - The following inquiries were not authorized and should not be reporting.