davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-18
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)

I am writing to raise a severe issue regarding multiple accounts listed on my credit report, which contain inaccuracies, violations of federal laws, and reinserted fraudulent entries. These accounts include derogatory information from multiple creditors, namely 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 
These accounts violate federal laws including the Fair Credit Reporting Act ( FCRA ) and Metro2 guidelines, displaying incorrect information such as inaccurate balances, misleading status descriptions, and disregard for required dispute comments. The numerous accounts with derogatory status have adversely impacted my credit profile, in defiance of consumer protection laws. 

Additionally, the reinsertion of previously disputed accounts and insertion of fraudulent names, particularly XXXX XXXX XXXX XXXX ' which does not reflect my legal name XXXX XXXX XXXX XXXX demonstrate a flagrant violation of my rights to accurate and fair reporting. 

I demand an immediate, thorough investigation into these egregious violations and prompt removal of all inaccurate and reinserted entries from my credit report. Further, I expect adherence to Metro2 guidelines, FCRA requirements, XXXX CFPB, and XXXX data breach obligations. 

Your compliance with rectifying these breaches is not only obligatory but imperative to restore my rightful credit accuracy and consumer rights. Any delay or failure to resolve this matter with urgency will result in escalated legal actions to enforce my rights as a consumer. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-18
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. (IN)

I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MA)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MA)

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-06
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. (AZ)

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 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 2023-12-18
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. (CA)

TransUnion is willfully and knowingly reporting fraud because I supplied XXXX proof of FTC reports and notarized identity theft affidavit. I sent a letter to TransUnion on XXXX XXXX 2023 and I requested that multiple accounts be removed due to identity theft. These accounts were in fact NOT removed. At this time, I have no choice but to invoice TransUnion for violations and damages. The certified letter was delivered on XX/XX/2023 at XXXX had ALL of the necessary documentation included. I provided a notarized Identity Theft Affidavit, my official reports to the Federal Trade Commission and proper proof of my identification. 
In another certified letter ( Tracking # XXXX ) that was also delivered on XX/XX/2023 at XXXX, I sent subsections of the FCRA ( Fair Credit Reporting Act ) TransUnion is in violation of! 
Per pursuant identity theft consumer laws, within 4 days these accounts should have been blocked and deleted from my consumer report per federal law. However, it is now XX/XX/2023 and the accounts have not been removed. 
Pursuant to the FCRA, EACH VIOLATION is {$1000.00} Per violation per occurrence. 
This is a direct violation of 15 U.S. Code 1681n - Civil liability for willful noncompliance TransUnion are in direct violation of 15 U.S. Code 1681n ( a ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of {$1000.00} Per violation per occurrence.
Consumer complaint received 2023-12-18
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 recently reviewed my credit report and found unauthorized inquiries.

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
The following inquiries are unauthorized : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to UPDATE information that does not reflect the current status of certain accounts. More specifically pertaining to comments on accounts. I am requesting that you remove the disputed comments on each of the accounts below with immediate effect. The accounts have either never been disputed, to begin with, or are no longer in dispute. 
I am asking the dispute comment to be removed from the following items : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-18
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)

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. 

XXXX XXXX XXXX XXXX  Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
U S DEPT OF EDXXXXXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$4300.00}. 
U S DEPT OF ED/XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$7100.00}. 
COUNTY OF XXXX XXXX Family support with account # XXXX opened on XX/XX/XXXX and a balance of {$73000.00}. 
Collection account from XXXX XXXX XXXX XXXX with account # XXXX and a balance of {$8400.00}. The original creditor is XXXX XXXX. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there
Consumer complaint received 2023-12-18
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. (MI)

INFORMATION WAS OBTAINED UNDER DURESS ACCOUNTS WERE FROZEN ACCESS SHOULD HAVE BEEN DENIED. I INFORMED XXXX XXXX XXXX XXXXXXXX XXXX THAT I WOULD NOT UNLOCK THE CREDIT REPORTS. DO NOT RUN THE CREDIT FOR AUTOMOBILE FINANCING COMPANY. THE COMPANY DID IT WITHOUT PERMISSION WHEN TOLD NOT TO DO. 
THEREBY UNDERMIND THE WRITER 'S ABILITY TO CARRY OUT MAJOR GOALS AND OBJECTIVES AND UNDERMIND THE WRITER 'S SCORES BY XXXX POINT. 
THE CONTRACT ENTER UNDER THREAT, DURESS AND CORROSION ( T.D.C. ) THIS ACTION WAS DONE WITHOUT CONSENT NAME IS INCORRECTLY SPELLED
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Clearly you DO NOT WORK directly with the court. You added in a statement to a XXXX lease that isnt mine! This yet again is proof you just data collect UNTRUE information through poor outdated resources.
Consumer complaint received 2024-06-25
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: CITIBANK, N.A. (CA)

I placed an order on XXXX for {$200.00} for birthday party decor for my son XXXX  birthday. On XX/XX/year>24 the tracking number stated that my package had been picked up. I contacted usps and they could not confirm a signature of the person who picked up my package and all the information that they could Provide was that their system indicated the package had been picked up. I contacted XXXX and they were unwilling to reship or refund me. I then opened a dispute with the credit card company that I used to make this purchase, thinking that I would be covered under Federal Trade Commission since I DID NOT RECEIVE products that I purchased. Citibank investigated and based off of what the merchant ( XXXX ) provided them, they ruled that I am still responsible. I am not sure what else to do, Im extremely frustrated that i am out this money and nobody will help. I also dont know what more I can do to prove that I did not receive my package. HORRIBLE customer service from Citi bank as well as XXXX. The tracking number states delivered, but if it was truly delivered to the correct person like the tracking number shows I wouldnt be disputing any charges!!!!! So much for protection!!!
Consumer complaint received 2023-12-18
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. (SC)

A XXXX credit card has sbown up on my report with a missed payment from XX/XX/2022. I am not the correct owner and my report shows authorized user. I never approved this. I do not have access to this credit card. You have the wrong person.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-06-25
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

Citibank NA/Macy 's has a predatory habit of assessing late charges to accounts before the due date. Most recently, my CBNA/Macy 's bill due date was XX/XX/24 and they charged me a {$41.00} late fee on XX/XX/24 despite the fact that I had already made a payment by phone on XX/XX/24. I made several attempts to speak with agents for explanation and to request reversal of the late fee since I made payment by phone on the due date, dated XX/XX/24 however they refuse to reverse late fee.
Consumer complaint received 2024-06-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (MO)

I am writing to formally report a cyber theft incident that occurred on XX/XX/year>, involving unauthorized access to my XXXX account and subsequent theft from my Coinbase wallet. Despite my attempts to resolve the situation with Coinbase and my bank, I have encountered significant obstacles and unfair practices that have compounded my losses. 

On XX/XX/year>, my XXXX account, encompassing both my laptop and mobile device, was hacked. As a result, cryptocurrency valued at approximately {$XXXX USD was stolen from my Coinbase wallet. I immediately contacted Coinbase to report the theft and request assistance, but their representatives were unresponsive and unhelpful, advising only that I should have taken better care of my account security. 

Moreover, unauthorized transactions were made to purchase additional cryptocurrency amounting to {$XXXX} USD from my linked XXXX bank account. I promptly contacted the bank to reverse these pending transactions. While the bank is still investigating the incident, I discovered that Coinbase has since taken further action without my knowledge or consent. 

Upon reopening my Coinbase app yesterday, I found that Coinbase had deducted an estimated {$XXXX} USD from my account in the form of cryptocurrency. Furthermore, the app now states that I owe an additional {$XXXX} USD. This deduction was justified by Coinbase as a result of the reversed charges from the bank, yet they failed to inform me or seek my permission before taking these actions. This has left me feeling insecure, vulnerable, and unjustly penalized for the theft from my account. 

To summarize, my grievances are as follows : XXXX. The initial theft of {$XXXX USD in cryptocurrency from my Coinbase wallet due to a security breach. 
2. Coinbase 's lack of assistance and accountability in securing their platform and compensating for the theft. 
3. Unauthorized transactions amounting to {$XXXX} USD made from my US bank account, and the bank 's ongoing investigation.

4. Coinbase 's deduction of approximately {$XXXX} USD from my account without notification or consent.

5. The current outstanding balance of {$XXXX} USD claimed by Coinbase, adding to the financial burden caused by this incident. 

I respectfully request your assistance in investigating this matter and taking appropriate action against Coinbase for their inadequate security measures, lack of transparency, and unfair practices. It is imperative that I recover the funds that were wrongfully taken and ensure that I am not held responsible for the stolen amount. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution.
Consumer complaint received 2024-06-26
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (GA)

I received at {$200.00} gift card, issued by US Bank ( XXXX  ) some time ago. On Sunday, XX/XX/year>, I attempted to use it at XXXX, and it was declined. I called the number on the back of the card ( XXXX ) and was told that my current balance was in fact {$200.00}. Today, ( XX/XX/year> ), I tried to use the card on XXXX again, given that they had confirmed by balance, but it was rejected again. I called the company and was told that the card was locked because of a fraud risk and I could go to their website, enter some info and they would send me a new card. When I tried to do this, the website gave an error, and told me to call to the same phone number. When I did that, I was told that i must have entered info incorrectly ( i didn't ), but could fax my personal info to them. I don't have access to a fax machine, so they want me to mail my personal information, including ID, to a XXXX XXXX XXXX XXXX. This feels insecure and unsafe, like they're trying very hard to keep my {$200.00}.
Consumer complaint received 2024-06-27
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)

CFPB Transunion Expedited Removal Complaint : As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ).

I have provided my photo ID along with the other required documents. 
I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 
I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( XXXX ) XXXX bal. {$2000.00} XXXX # XXXX XXXX. XXXX XXXX XXXX bal. {$500.00} XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX {$10000.00} XXXX. XXXX XXXX  XXXX XXXX {$7000.00} acct. # XXXX XXXX XXXX  bal. {$8000.00} acct. XXXX XXXX I am a victim of XXXX  XXXX  of Debt bondage and would like for all listed accounts to be BLOCK AND DELETED COMPANY INFORMATION TRANSUNION LLC CUSTOMER SOCIAL SECURITY NUMBER ( XXXX XXXX XXXX XXXX XXXX XXXX AS IT APPEARS ON CREDIT REPORT * XXXX XXXX COPY OF ID ATTACH DISPUTE LETTER ATTACH PROOF OF ADDRESS
Consumer complaint received 2024-06-25
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: U.S. BANCORP (CA)

Filed claim with XXXX XXXX US Bank stayed at XXXX XXXX XXXXXXXX XXXX 
XX/XX/XXXX to XXXX. 
Had to be moved to 2 other rooms because XXXX in first room. 
No service to the room 5 days XXXX XXXX available at desk only XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have 5 pages explanation from hotel & credit card companies. Bank said I signed the terms and conditions can not reverse. Been a buyer for 40 years. Terms & conditions apply both way if company dies not fullfill there part of the contract.