davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NM)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-01-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Take a look at the attached documents. I want the bureau to start an investigation into these accounts, as I am punctual, and they inaccurately report me as late.
Consumer complaint received 2023-07-04
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. (NJ)

XXXX XXXXXXXX XXXX - Account # XXXX In accordance with the Fair Credit Reporting Act. The above listed account has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX 

XXXX XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2024-01-16
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)

Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2, I want to formally address a violation of my federally protected consumer rights to privacy and confidentiality. 

The account in question, associated with XXXX XXXX, has been reported inaccurately. I have previously informed both XXXX and your consumer reporting agency that the account was opened fraudulently and that I am a victim of the XXXX data breach. The reporting of this information is a direct violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ), which states that 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. 

I am reaching out to seek your immediate attention to rectify this situation in accordance with the FCRA. I request that you thoroughly investigate and correct the inaccuracies associated with the mentioned account. Additionally, please provide me with a written explanation of the steps taken to remedy this violation.
Consumer complaint received 2024-06-01
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (IL)

Tried several times to make payments was on time and had funds available and it said payment was rejected or funds weren't available when it was. 

I was forced into losing best buy credit card and my premier credit card because they wouldn't let me use them or withdraw cash from debit cards or make payment with my funds. They didn't make payment for me either. 

They are committing illegal debt collection under the table of personal property including jewelry etc. and not giving me proper credit. This was under investigation but I was forced into being homeless and was not allowed to receive correspondence regarding case with federal trade commission. 

They admitted in a personal conversation that they owe me all of my debt to be paid off by them because they were being charged for what I have
Consumer complaint received 2023-10-31
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. (CA)

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2024-06-01
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: Paypal Holdings, Inc (VA)

On XX/XX/year> I received a notification on my phone for a purchase of {$1500.00} on XXXX. I immediately contacted them and PayPal regarding an authorized charge. PayPal immediately denied my request and said it was because they saw no unauthorized logins to PayPal. I contacted XXXX and they responded that they agreed to the refund and unauthorized charges. They returned the digital product back to their site and said they completed my return and it would be 3-5 business days for the money to show up. I reached back out to PayPal to contest their denial explaining that the login was not on PayPal but on XXXX. I also stated that the reason needed to be changed because the company said they were processing the refund, but I had not yet received it. They then denied that request stating that the issue had been addressed correctly. If that were the case then I would have my money. XXXX just tells me to contact the financial institution. No one is assisting me to get my money back. And today passed the 5 business day mark that I was quoted.
Consumer complaint received 2024-01-16
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. (WI)

XXXX, Transunion, and XXXX are reporting Bankruptcy and the bankruptcy court advised they never reported to a third-party agency or credit bureaus. They are violating my rights and committing fraud.
Consumer complaint received 2024-06-06
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. (PA)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-05-31
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: Experian Information Solutions Inc. (CO)

On Friday, XX/XX/XXXX, I received XXXX phone calls from an entity identifying themselves as Experian. Had a clear foreign accent and language pattern such as saying they represented the " highest authority '' ( all calls received between XXXX and XXXX XXXX mountain time ) I was told someone in CA had tried to open a new XXXX credit card using my social security number. I was also told that someone had made a XXXX dollar charge for a membership to XXXX. The person correctly read off my birthdate, social security number and outstanding credit card balance and wanted me to confirm. I refused to confirm any information and said if it was a legitimate issue I would make a call when I was home to Experian. I checked my Experian account, the XXXX XXXX XXXX and found no confirming information. I did call Experian ( you can not talk to a human there ) and submitted a request for a 1 year fraud alert. 
The phone numbers making the calls to me were XXXX XXXX XXXX
Consumer complaint received 2024-06-06
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: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (TX)

Per the FCRA, as a federally protective consumer, I am now opting out any and all authorization, I the consumer may have given you, written, unwritten, verbal and non verbal, per 15 USC 6802. THE PRIVACY ACT OF 1974. ( 15 USC 1611 ) Criminal liability for willfully and knowing violations. ( 15 USC 1681 ) Accuracy and Fairness of Credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. ( 15 USC 6802 ) Obligation with respect to disclosures of personal information. ( 15 USC 6805 ) The enforcement of the regulations prescribed there under shell be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulator, the State insurance authorities, and the Federal trade Commission with respect to financial institutions and other person subject to their jurisdiction under applicable law. 
Company information
Consumer complaint received 2023-12-20
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. (LA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Enium Capital Group LLC (IL)

I went to my mortgage company to get a HELOC and I was advised that I already had a 2nd mortgage on my home that I WAS NOT AWARE OF. The loan I got was supposed to be a personal loan to get solar panels not a 2nd mortgage. My XXXX reports show Enium in 2nd position and it can not be for me to get a HELOC. Enium that is handling the loan for the solar panels was supposed to be {$28000.00} but it is now showing an additional charge of {$350.00} for permits that XXXX XXXX was supposed to take care of. I was not aware that the loan for the solar panels was going to be a 2nd mortgage. I feel I have been taken advantage of, I am in my XXXX 's. I am on a fixed income and can not afford this. As an elderly person I feel that I have been misled with the whole situation. XXXX XXXX showed that I should receive incentives and I have never received them.
Consumer complaint received 2024-06-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (GA)

I closed and paid my balance in XXXX of XXXX with XXXX when I moved out of my apartment. But on XX/XX/XXXX, XXXX charged my checking {$220.00}. I called shortly after, filed a complaint that I was not made aware of a cancelation fee prior and that I was not responsible of these charges. On XX/XX/XXXX, XXXX refunded my money. Then XXXX of XXXX, XXXX sent my account that had a {$0.00} balance to collect for the {$220.00}, causing my credit score to drop XXXX points. I have attempted to contact XXXX and XXXX to remove the falsified account. Both companies closed my case without proper investigation. Please see bank statement attached XX/XX/XXXX showing charge on XX/XX/XXXX and refund on XX/XX/XXXX
Consumer complaint received 2024-01-16
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 listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Subject : Unauthorized Inquiries on Credit Report Dear TransUnion, I am writing to express my urgent concern regarding unauthorized inquiries on my credit report. The following list details the recent inquiries made without my explicit consent : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX, XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I believe these inquiries not only breach my privacy but also raise concerns about potential identity theft. In addressing these unauthorized inquiries, I want to highlight the following legal violations : 1. **Fair Credit Reporting Act ( FCRA ) Violations : ** - Section 604 : The inquiries lack permissible purpose.

- Section 606 : The disclosure of investigative consumer reports occurred without proper authorization.

- Section 609 : I have not been provided with adequate disclosures about these inquiries.

- Section 611 : The procedures for disputing inaccuracies have been overlooked. 

XXXX. XXXX XXXX XXXX XXXX XXXX Violations : ** - Title XXXX, Chapter XXXX : Unfair or deceptive acts or practices have been committed.

- Section 37-20-110 : The unauthorized inquiries are clear violations of this code.

- Section 37-20-160 : Procedures for correction of inaccurate information have been disregarded.

I demand an immediate and thorough investigation into these violations, with prompt removal of these unauthorized inquiries from my credit report. Failure to do so will compel me to take further legal action to protect my rights and seek redress for the damages incurred. 

Your swift and decisive action in rectifying these violations is not only legally mandated but also essential in restoring the integrity of my credit history. I anticipate your cooperation in this matter and expect resolution within a reasonable timeframe. 

This complaint was construed and submitted in good faith.
Consumer complaint received 2024-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (VA)

I recently decided to cash out my IRA with Principal bank. I received the {$7800.00} via direct deposit to my SoFi account today XX/XX/2024. My account was then restricted. I contacted them and was told to verify my identity via a link they would send to take a picture of my ID. I have a VA XXXX issued REAL iD and took pictures etc. Room was brightly lit, picture clear, ID current etc. but it kept saying unable to verify identity. Their support team said sorry nothing they could do but I could try again in 24 hours. I then checked XXXX and other various sites and found 100s of people with similar experiences. Some of those people have been trying for 8+ months to get access back without success. I am a XXXX  mother to a XXXX year old and really need access to that money. Im scared and not sure what else to do.
Consumer complaint received 2023-04-25
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. (KY)

In an attempt to buy a house, I realized there are damages on my credit report. According to Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], there should not be any damages on my report. This is a defamation of my character.
Consumer complaint received 2024-05-29
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (AZ)

I have had 4 separate CC 's issued by Synchrony bank. Each card has had the credit limit lowered by them to what the balance on the CC was, even though I never missed a payment and paid on time. Each time this has happened my XXXX score has went down by XXXX points, I know as I track it using my XXXX app. I have closed all of the cards with them and in the process of paying off the balances so I can be completely done with them. Researching this on the internet I discovered this is a common practice by them and has damaged other consumers XXXX  scores as well. I believe this practice needs to be stopped and they need to be investigated, it is not fair that they are doing this and damaging my XXXX score which I have worked hard to maintain.
Consumer complaint received 2024-06-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (CA)

I am writing to file a formal complaint regarding multiple fraudulent credit card accounts on my credit report, which I believe are the result of identity theft. This issue has unjustly affected my credit score and has caused me significant distress. In XXXX of XXXX  I begin to receive calls from adept collector from a credit card debt that was not mine. That prompted me to check my credit report. That is when I became aware of several credit card accounts that were showing on my credit report. 

The following accounts are not mine and are a result of Identity Theft. 
Discover Bank Account # XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX I kindly request your urgent assistance in removing these unauthorized and fraudulent accounts from my credit report as soon as possible. The presence of these fraudulent accounts not only misrepresents my financial behavior but also significantly impacts my creditworthiness. Enclosed with this letter are copies of documents supporting my claim, including the Identity theft report, and a detailed list of the unauthorized inquiries. I appreciate your prompt attention to this serious matter and look forward to your assistance in resolving it.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Subject : Demand for Immediate Rectification of Flagrant Unauthorized Inquiries and Removal of Unverifiable Items Dear TransUnion, I write with unwavering concern and insistence regarding the flagrant and accrued violations on my credit report, which not only undermine my privacy but have unmistakably accrued and breached my rights. The following unauthorized inquiries demand immediate and irrefutable rectification : 1. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX 3. XXXX - XX/XX/XXXX 4. XXXX - XX/XX/XXXX 5. XXXX - XXXX XXXX XXXX 6. XXXX - XXXX XXXX XXXX 7. XXXX - XX/XX/XXXX These indisputable violations encompass not only the Fair Credit Reporting Act ( FCRA ) but also federal laws, including but not limited to : 1. FCRA Section 604 - The accumulation of unauthorized inquiries unequivocally violates privacy rights.

2. FCRA Section 606 - The persistent disclosure of investigative consumer reports transpired without proper authorization.

3. FCRA Section 609 - Grossly inadequate disclosures about these inquiries remain unaddressed.

4. FCRA Section 611 - Procedures for disputing inaccuracies have been systematically disregarded.

5. Right to Financial Privacy Act ( RFPA ) - Clear and actual violations of federal privacy rights.

Furthermore, these stark and undeniable breaches extend to Georgia state laws, leaving no room for ambiguity : 1. Georgia Fair Business Practices Act ( GBPA ) - Unrelenting unauthorized inquiries infringe unabashedly upon consumer rights and protections.

2. Georgia Fair Credit Reporting Act ( GFCRA ) - Systematic violations of consumer reporting laws within the state persist. 

Given the lack of my explicit consent, I assert that these items are unverifiable and should not have been included in my credit report. I demand, with utmost urgency, a meticulous investigation and the immediate removal of these unauthorized inquiries and unverifiable items from my credit report. These blatant and accrued transgressions necessitate swift rectification to restore the integrity of my credit history. 

Failure to address this matter resolutely will compel me to pursue legal action without hesitation to protect my rights and seek redress for the undeniable damages incurred. 

I expect your immediate and unwavering cooperation, leading to a prompt resolution of this egregious breach.