davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-29
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)

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 2023-08-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CA)

- Transferred my money from a joint bank account to XXXX XXXX after a divorce as we needed to close the account. 
- Closed the joint account after the divorce. 
- Opened a new bank account to transfer my money back to. 
- XXXX locks my account and restricts access to my funds. 
- 7x Calls to apple with different reasons. 
1 ) They can't verify my identity with my phone number and told me to call my carrier to see if my name was attached ( I did and they confirmed everything was correct ) 2 ) They mixed up my old credit account with my ex wife. 
3 ) They don't know. 
- They told me there is nothing they can do and the only thing I can do is wait despite offering any confirmation. 
- XXXX is the amount in total.
Consumer complaint received 2024-06-27
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: E Mortgage (VA)

I applied for a mortgage refi in XX/XX/XXXX. I was promised an interest rate of XXXX in the beginning but by the time the papers were to be signed it was changed to XXXX. I was talked into this by the mortgage rep promising to refinance the loan after XXXX  months of payments. I am now going to be making my XXXX payment in XX/XX/XXXX. I have contacted the company and more or less been put off. I allowed myself to trust this individual because of the desperation and the promises that were made. Secondly I approved the appraisal for XXXX but when the appraiser came he didn't want to go under the house to take pictures so he didn't. Then I was told he had to come back and take the photos. I initially approved the XXXX on my credit card but then they charged XXXX more to my card for him to come back. If he didn't want to go under the house nobody was stopping him I don't feel that I should have had to pay more without my consent.I asked the mortgage rep about a refund and never got it. I have lived in my house for 68 years. These paymentsXXXX are double what I was paying before. I feel I was taken advantage of and the whole process was a lie from the beginning. I voiced my opinion that I couldn't afford this but he made it seem so simple. It's not. I recently had XXXX and have to be out of work for XXXX  days maybe more with no money. I need to know what can be done. I am tired of struggling. The mortgage company was EMortgage.I feel that people my age get treated unfairly.Be careful
Consumer complaint received 2024-05-29
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. (NY)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-05-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-05-29
Product: Credit card — General-purpose credit card or charge card
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. (IL)

My payments are always made promptly, of that I am certain. What puzzles me is the occasional late reporting from this company, which shouldn't be the case. Per USC 1666b, any billing error must be rectified promptly and updated to reflect payment as agreed.
Consumer complaint received 2024-05-29
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. (IL)

PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2024-05-29
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. (IL)

According to FCRA 605B, the removal of any incorrect accounts from my credit report is required. The reporting of these accounts is inaccurate. I should receive {$1000.00} for each mistake on my credit file.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ROBINHOOD MARKETS INC. (CA)

Again, XXXX XXXX XXXX again forgot to report correct amount in my credit profile, thank you CFPB for not pushing them for this violation, this is shows me again that nobody is following the Low of this country, I said before and will say again, all this reports and complaints Im saving for future lawsuit to this company, I thought that everyone must follow the Law how its says in the Constitution but I was wrong, anyone can violate the law and nobody will hold them accountable. Thank you
Consumer complaint received 2024-06-04
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)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Issue : Inaccurate Information on Credit Report I am writing to file a formal complaint against XXXX XXXX XXXX regarding inaccurate information being reported on my credit reports with XXXX and TransUnion. Despite my efforts to resolve these inaccuracies directly with the credit bureaus and the creditor, the issues persist and are significantly affecting my creditworthiness. The details of the inaccuracies are as follows : XXXX Report : The account is listed as 30 days past due for three consecutive months from XX/XX/XXXX to XX/XX/XXXX, and again in XX/XX/XXXX and XX/XX/XXXX. 
The account is erroneously listed as 180 days past due for six consecutive months from XX/XX/XXXX to XX/XX/XXXX. It is impossible for an account to be 180 days past due for six consecutive months. 
TransUnion Report : The payment history indicates that the account was 120 days past due beginning in XX/XX/XXXX, which contradicts the information reported by XXXX. 
These inconsistencies highlight that the information reported by ALL IN XXXX is not only inaccurate but also misleading. Under the Fair Credit Reporting Act ( FCRA ), consumers are entitled to accurate and fair credit reporting. The continued reporting of this erroneous information violates sections 611 ( 15 U.S.C. 1681i ) and 623 ( 15 U.S.C. 1681s-2 ) of the FCRA, which mandate the accuracy and completeness of information provided to consumer reporting agencies. 

Also the expected date to be removed is different on each report which shows evidence of re-aging and inaccurate information Impact : The inaccurate reporting of my payment history and the inconsistency between credit bureaus have caused substantial harm to my credit score, affecting my ability to obtain credit under favorable terms. 

Attempts to Resolve : I have disputed these inaccuracies with both XXXX and TransUnion, providing documentation to support my claims. However, the disputes have not resulted in the necessary corrections, and the inaccurate information remains on my credit reports. 

Requested Resolution : I am requesting that the CFPB investigate this matter and ensure that XXXX XXXX XXXX deletes the inaccurate information from my credit reports. If the inaccuracies can not be verified, I request the complete removal of this account from all credit reporting agencies.
Consumer complaint received 2024-06-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Weltman, Weinberg & Reis Co., L.P.A. (OH)

I received a certified letter from XXXX XXXXXXXX, represented by XXXX Weinberg XXXX on XX/XX/year> stating that I am being sued for {$5700.00}.
Consumer complaint received 2024-06-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (NV)

Im currently a chase customer and I have an auto loan and bank account with chase. I applied for a credit card and received an adverse notice so I contacted the reconsideration line to rectify this issue as I believe your system made this error in issuing this denial. There reconsideration lined discriminated against me and ignored all federals. Theres quite a few law violations with this denial so hopefully you can correct this matter for me. I was asked for my social security # number and according to 42 US Code 408 asking my for social on any credit transaction is a crime. I extended my credit providing my social security number to fund this transaction via code 15 USC 1602. According to 15 USC 1411 & 15 USC 1611, I have right to my unlimited credit and any withholding to my securities is securities fraud which violates the equal opportunity act and the consumer protection act. So I kindly ask, please reverse this denial so I can drop this matter abruptly without having to send this into arbitration because this is a consumer transaction and I have unlimited credit and I have right to my credit at any time. This is " unauthorized use '' of my social security under 15 U.S. Code 1602 ( p ), means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. I have not received any benefit from this transaction therefore this is securities fraud.
Consumer complaint received 2024-05-29
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. (VI)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-06-27
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

This company has been violating my consumer rights or OVER LOOKING my documents.my name is XXXX XXXX I had 3 claims with bank of america prepaid in my account ending in XXXXone for {$4000.00}, {$2100.00}, $ XXXXi provided MY FTC REPORT, ID, FTC DISPUTE LETTER, and police report verifying I'm a victim of identity theft.i even gave them my personal lawyer number about this.i filed these claims in 2021 and when I filed them they didn't follow FEDERAL REGULATION E.i never had a provisional credit.denied My claims insanely fast.i requested the documentation they used for the investigation 7 thorugh 10 times and they never followed that protocol.i never recieved it! violation! 
This has been my XXXX reconsideration due to me knowing I'm not Liable or responsible for this.i extended my documents I sent over 25 serious documents.i emailed the director of bank of america, and Fdic director regarding this as well.the representatives I've been speaking to has been horrible to me, no help.they have been losing my faxes i would call 2 weeks later after a fax and they will respond they dont have or resend. really wish I can get this handled this has the biggest stress factor of my life right now I've been going through this for 3 years! THANK U
Consumer complaint received 2024-05-29
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)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2023-11-03
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. (MD)

I am submitting this formal complaint about XXXX, Experian, and XXXX, for violating the following laws related to my consumer report : 15 U.S. Code 1681b ( g ) ( A ) ( 2 ) : Permissible purposes of consumer reports 18 U.S. Code 6802 : Wire fraud Specific Violations of U.S. Code : 15 U.S. Code 1681b ( g ) ( A ) ( 2 ) states that a consumer reporting agency may only furnish a consumer report if the person requesting the report has a permissible purpose for using the information. I did not give my permission in any form for XXXX, Experian, and XXXX to report the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 18 U.S. Code 6802 states that it is a crime to knowingly transmit false or fraudulent information in interstate or foreign commerce. XXXX, Experian, and XXXX transmitted false or fraudulent information about me to potential creditors and employers by reporting the accounts listed above without my permission. 

Here are the specific examples of Unfair, Deceptive, and Abusive Practices : XXXX, Experian, and XXXX reported the accounts listed above on my credit report without my permission. 
I have not been notified of the accounts listed above being reported on my credit report. 
The accounts listed above are inaccurate and have damaged my credit score. 

I am requesting that the Consumer Financial Protection Bureau investigate XXXX, Experian, and XXXX 's practices and take appropriate action to protect consumers from XXXX, Experian, and XXXX 's unfair, deceptive, and abusive practices. I would also like to be compensated for the emotional distress and financial losses that I have incurred as a result of XXXX, Experian, and XXXX 's actions.
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 — Problem with personal statement of dispute
Company: STATE EMPLOYEES CREDIT UNION (NC)

Hey this is XXXX XXXX writing for the XXXX time about the same thing with State employees credit union, i have not got a word back from almost make me think the debt is not mines because where is the 1099-c for the these charge offs on my report, why was dates incorrect nothing was matching up. I have asked for Validation of debt and verification of debt. they have been reporting incorrectly on my account for years is what it looks like. please handle this promptly as you can
Consumer complaint received 2024-05-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno (CA)

I have an account with Juno ( XXXX XXXX ), which is partnered with Synapse, XXXX XXXX # XXXX. I am currently unable to access my funds either through cards ( credit/debit ) or through ACH transfers. This has completely disrupted my ability to pay for my day-to-day bills and expenses. 

As stated in your brokerage account customer agreement, customer funds in the XXXX XXXX XXXX are deposited in a network of member FDIC banks. Funds held in these banks are eligible for FDIC insurance up to {$250000.00} for each individual account. Funds held with XXXX XXXX XXXX also have XXXX XXXX  up to {$500000.00}, including {$250000.00} for cash, for each individual account. 

But XXXX says my money held with XXXX XXXX XXXX is not safe and insured : XXXX only protects securities and cash on deposit for the purpose of purchasing securities in securities accounts at XXXX broker-dealers that have failed and become subject of a SIPC-initiated liquidation. XXXX does not protect deposits at banks, including those from bank sweeps programs at member firms. 

When I opened the account, I signed up for a Juno checking account with XXXXXXXX XXXX XXXX XXXXXXXX as the bank. I never consented, agreed to or signed on to have my money moved to a new account at XXXX XXXX XXXX. Synapse filed for bankruptcy in XX/XX/year>, but I was never informed or notified of this to be able to withdrawal my money out safely before the account shut down in XX/XX/year>.
Consumer complaint received 2024-05-29
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)

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 2024-07-21
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. (PA)

I've recently received a copy of my personal credit report and noticed several inaccuracies and unauthorized accounts/ information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-05-29
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. (IN)

The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.