davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-11
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. (VA)

In accordance with the Fair Credit Reporting Act, the accounts on XXXX, Transunion and XXXX ( my consumer reports ), they have violated my rights 15 USC 1681 section 602 A. states I have the right to privacy 15 USC 1681 section 604 A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions As well as the Truth in Lending act, I was never made aware of my right of recession from any loan or credit card I took out, which automatically makes the contract null and void.
Consumer complaint received 2024-05-31
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 Formally request the immediate removal of all negative items from my credit report under the Uniform Commercial Code ( UCC-11 ) declaration. No valid debt is in my name, and any negative entries are incorrect and unjustified.

I demand that your agency : Conduct a thorough investigation into all negative items listed on my credit report.

Verify the validity of these entries by UCC-11.

Remove any negative items that can not be substantiated as legitimate debts. 
I expect a prompt response and resolution to this matter. Please confirm receipt of this letter and provide written confirmation once the negative items have been removed. 

Thank you for your immediate attention to this urgent matter.
Consumer complaint received 2024-05-03
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: Experian Information Solutions Inc. (FL)

I've always made sure that payments on this account are made on time, never letting them become overdue. I'm not sure why there are reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be rectified.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
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. (NV)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2019-04-25
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (OR)

JP Morgan Chase Debit Visa Card ending XXXX http : //Pay.gov Tracking ID : XXXX .Information to bank to remove the debit block. Company ID : XXXX Name : XXXX XXXX Invoice from XXXX XXXX XXXX XXXX ( XXXX ) Unclaimed Payment ( XXXX ) XXXX Merchant Payment Profile ID : XXXX XXXX XXXX Bill Pay Federal Document XXXX XXXX Executive Office for Immigration Tax Reform USA President XXXX XXXX XXXX Itinerary Summary On Hold Record Locator : XXXX This reservation is on HOLD until XX/XX/2019 XXXX XXXX XXXX ( XXXX XXXX XXXX ). 
Electronic payment Receipt Acknowledgement - XXXX  ( XXXX ) Have No valid Ticket number - XXXX   member XXXX
Consumer complaint received 2018-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

On XX/XX/XXXX or XX/XX/XXXX I called XXXX to inform that I don't have contact with the borrower, XXXX XXXX XXXX XXXX and he is FULLY responsible of the account. 

They told me if he paid on time for a full year, I could be released. I believe he had paid a full year on time and my information still on that account. 

He's married, and I don't have contact with him for more than eight years. He's not an organized person and in the good deed of removing me from the loan.
Consumer complaint received 2024-07-10
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 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: 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. (AL)

Did not do an investigation at all. My social security number was breached all the negative items need to be removed immediately. How can an account keep reporting charged off for XXXX, XXXX, and etc? A account can only be charged off XXXX time. This is clearly a violation.
Consumer complaint received 2024-06-01
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. (IL)

After reviewing my credit file, the account that I want to investigate still on my credit report. 

XXXX  XXXX XXXX XXXX {$0.00} This account is misleading. This will need to be removed pronto.
Consumer complaint received 2018-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (PR)

In XX/XX/2018 I received an alert from XXXX XXXX about a Hard Inquiry in XXXX section from Best Buy ( Citibank ) and from that day I called 7 times indicate that someone try to get a credit card on my name. I already have credit from long time with Best Buy is make no sense asking for another card. They said all the time don't worry, we gon na fix it but nothing happen and cost me affecting my score. I talked with XXXX  and they give me your info to work this and clear this info. Let me know please how handle this.
Consumer complaint received 2024-05-29
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. (MI)

I wrote to the XXXX  bankruptcy court on XX/XX/year> seeking confirmation about the reported bankruptcy, and received a letter dated on XX/XX/year> stating they do NOT furnish any consumer data to XXXX or other credit entities. 

I also sent 3 dispute letters to XXXX citing the inaccuracy and requesting investigation/removal based on the court 's response. Plus asking for information that they have they sent me a letter back with another name on the bankrupcy that is not mine also. I sent notrized affidavits also. 

I also sent XXXX a letter documentation of contacting XXXX  directly inquiring about their records, but received no response. 

XXXX responded claiming the information came from XXXX, despite XXXX XXXX failure to validate or deny the report to you directly as the natural person creditor. 
XXXX has not properly fulfilled their duties to investigate under the FCRA nor removed the false information, despite being unable to verify the third party source that supposedly reported it.
Consumer complaint received 2023-07-26
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: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal house purposes, and is cause actual damages. 

According to FDCPA 1006.30A/New Rule REGULATION F and its new rule by parking this alleged debt on my consumer reports. 

I am reaching out to XXXX in regards to this account and I am receiving vague communication and was emailed a letter on XX/XX/2023 stating they received information that " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. 

This letter is in response to your recent claim that Portfolio  Account # : XXXX / PORTFOLIO RC Account # : XXXX has verified that the account they are reporting under my name is accurate. I noticed on my Consumer Report that this company is reporting this account TWICE under two different names, one is named Portfolio and the other is called Portfolio RC.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy 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 nonpublic personal information.
Consumer complaint received 2024-07-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK (NJ)

XXXX fraudulent transactions that occurred on my Discover savings account XXXX. 

On XX/XX/year> there was a fraudulent internal transfer of XXXX On XX/XX/year> there was a fraudulent internal transfer of XXXX On XX/XX/year> there was a fraudulent internal transfer of XXXX An unknow person by the name of XXXX XXXX XXXX was added to my account without my authorization by means of fraud to facilitate the transactions.
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. (MA)

I am writing to formally dispute the collection account referenced above that is currently reported on my credit report. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 USC 1692 ) and the Fair Credit Reporting Act ( FCRA, 15 USC 1681 ), I am requesting the immediate removal of this collection account for the following reasons : Collection Information : Account Number : XXXX High Balance : {$560.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$220.00} Closed Date : -- Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed ( Transunion ), Account disputed by consumer ( XXXX ), Account disputed ( XXXX XXXX Creditor Type : Other Collection Agencies Account Status : Open ( Transunion XXXX, Closed ( XXXX and XXXX XXXX Payment Status : Collection/Chargeoff Creditor Remarks : Account information disputed by consumer, meets FCRA requirements ( Transunion ), Customer disputed account - reported by subscriber ( XXXX ), Consumer disputes this account information ( XXXX ) Original XXXX : XXXXXXXX XXXX Last Payment : -- Past Due Amount : -- Account Type : -- I believe this account is inaccurate for the following reasons : Verification Issues : The information provided is inconsistent across different credit reporting agencies. For instance, the account status is reported as open on Transunion but closed on XXXX and XXXX. Furthermore, the dispute status is not uniformly updated across all agencies. 

FCRA Violations : The Fair Credit Reporting Act requires that all reported information be accurate and complete. The discrepancies in the account status, dispute status, and dates suggest that this information may not be accurate or complete. 

FDCPA Violations : If the collection agency has failed to verify the debt upon my request or provided inaccurate information, it is in violation of the FDCPA. 

In light of these issues, I am requesting the immediate investigation and removal of this inaccurate collection account from my credit report. Please send me written confirmation of the deletion of this account. 

Additionally, if you find that this account is valid, please provide me with the following information : Documentation validating the debt The name and address of the original creditor The date of the original debt Copies of any contracts or agreements signed by me Please consider this letter a formal request to correct the inaccuracies on my credit report under the Fair Credit Reporting Act and to cease any further reporting of this account until the matter is resolved. 

I appreciate your prompt attention to this matter. Thank you for your cooperation.
Consumer complaint received 2018-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRSTBANK PUERTO RICO (PR)

This is incredible ... I'm a consumer of the worst bank in Puerto Rico and the worst mobile company too.

Look at this. A twice charge of what? In the same day.

Why this people is working ... if that's what can it be call. XXXX XXXX!  AND I TRIED TO REACH THEM BUT THEY NEVER, NEVER FIND MY INFORMATION.
Consumer complaint received 2023-07-09
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

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 2018-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

Information reported incorrectly on my credit report. Account : XXXX. 
Please update information as informed by creditor XXXX XXXX  to XXXX   and TransUnion XXXX XXXX Form XXXX control # XXXX Submitted on XX/XX/2018. 

XXXX SC : XXXX Transunion SC : XXXX By submitting this XXXX, the creditor certify that have verified the accuracy of the data in compliance with all legal requirements.
Consumer complaint received 2023-02-12
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. (FL)

It has come to my attention that both XXXX XXXX and XXXX have been sharing my personal information with the credit reporting agencies without the express written consent. This information includes but is not limited to : transaction history ( late payments ), balance, and experiences. My credit cards are a matter of consumer law. 

Pursuant to 15 USC 1681a ( 2 ) ( i ) Exclusions report containing information solely as to transactions or experiences between the consumer and the person making the report. Therefore, late payments and account balance SHOULD NOT appear on my consumer report. Pursuant to 15 U.S. Code 1681 - Congressional findings and statement of purpose, ( a ) Accuracy and fairness of credit reporting The Congress makes the following find
ings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

The privacy statements provided by both XXXX and XXXX states that my personal information can only be shared with the credit bureau and affiliates. Pursuant to 15 USC 1681a ( w ) The term Bureau means the Bureau of Consumer Financial Protection. In addition, pursuant to the U.S. Consumer Privacy Notice provided by XXXX, the term " Affiliates '' means Companies related by common ownership or control. Therefore, the privately held credit reporting agencies would be excluded from being able to use the above mentioned information on my consumer credit report without my express written consent. 

I have contacted both XXXX and XXXX to opt out of all data sharing with any and all third party nonaffiliates, including but not limited to TransUnion, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, and XXXX
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. (MA)

To comply with the request under 15 U.S.C. 1681i, a consumer reporting agency must follow specific steps to ensure the accuracy and completeness of information. Here 's a breakdown of the process : 1. **Initiating the Investigation : ** - Upon receiving a consumer 's request for verification, the agency initiates an investigation into the disputed information.

- The agency sends notice of the dispute to the furnisher of the information ( the business that provided the disputed data ).

2. **Gathering Information : ** - The furnisher must investigate and report back to the agency with the results.

- The agency verifies the accuracy and completeness of the information based on the furnisher 's response.

3. **Description of Verification Procedures : ** - The agency provides a detailed description of the procedures used to determine the accuracy and completeness of the information. This includes : - The business name and address of the furnisher of information contacted.

- The telephone number of the furnisher, if reasonably available.

4. **Reporting to the Consumer : ** - The agency must provide this description to the consumer within 15 days after receiving the request.

- This report should include : - The steps taken to verify the accuracy of the information.

- The response from the furnisher.

- Any updates or corrections made to the consumer 's report based on the investigation.

5. **Updating the Consumer Report : ** - If the disputed information is found to be inaccurate or incomplete, the agency must update the consumer 's report accordingly.

- The consumer is then notified of the changes made.

For the specific request in your case, the agency would need to : - Confirm the initiation date of the investigation.

- Detail the steps taken to verify the {$3900.00} debt amount.

- Provide contact details for the furnisher of this debt information.

- Report any updates or corrections made based on the investigation findings.

This ensures transparency and compliance with the Fair Credit Reporting Act ( FCRA ), providing consumers with a clear understanding of how their credit information is handled and verified.

They are making false representations by using another collection company to try to collect an alleged debt. 

In this letter they sent me, they allege that I owe XXXX XXXX XXXX, which is totally false and that they are trying to collect a balance that does not even exist because I do not have any agreement with any of these companies. I have written and communicated with them regarding this account and they continue to defame me and threaten to take me to court, violating my rights.
Consumer complaint received 2018-11-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANCO POPULAR DE PUERTO RICO (PR)

I am trying to short sale my property, the Lender is Banco Popular Puerto Rico. I hired a Real Estate Company and the real Estate broker has a remote Short Sales ' processor/negotiator. 

BPPR won't grant my third Party Authorization, it was originally faxed and e-mailed to the bank and the bank 's employees requested to bring the paperwork in person. 

My Realtor and I walked into the bank on XX/XX/2018 and handed the Listing Agreement, the Purchase Agreement and the Third Party Authorization form to XXXX XXXX her phone # is XXXX, email : XXXX the lender still won't grant the third party authorization.