davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-14
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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2024-05-14
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)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX  XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (CA)

In XXXX of 2022, my brother had provided me with his power of attorney as he was incarcerated, I used this letter and a letter form him that gave me permission to pick up his check from the XXXX XXXX XXXX, where I picked up his check, and gave it to his attorney to have him sign it. After he signed the check, and I was given it back. I went to deposit it into my account for him, XXXX had flagged it as fraud at first, I explained what was going on and they said they needed a letter from him and his attorney, which I then provided. They then needed an updated power of attorney. I have it to them. Now my brother is out and we had went to the bank to see about picking up his money, they bank said that they still had to verify who he was and it shouldnt take more then a week. A week goes by and we go I and they say the same thing, we have to contact fraud. We contact fraud and the manger tells me that since it wasnt fraud, she was allowing me to re open my bank account, and then she was putting into the notes that everything is verified and that my brothers check was to be deposited into my account. When I go into the branch, the bank XXXX tells me that this is all wrong, and none of that is true. But my brother is standing there with his ID and social security card to verify who he is and they will not give him his money. Hes provided everything short of a DNA sample to these people and they keep holding his money.
Consumer complaint received 2024-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc. (FL)

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report.

I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report.

My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future.

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Transunion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX  Account Number XXXX
Consumer complaint received 2023-02-25
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC (TN)

I took out a title loan from title max a few times over the last cpl.years and although very expensive, I always managed to repay it in full. This last time, I became unemployed and struggled with the monthly payments, staying about a month passed due and then in XXXX XXXX, I became two mths passed due primarily bc of the holidays and having to have stuff for my child 's XXXX. I always sent money to my loan even if it was only XXXX amounts. I had always finished paying off my loans in the past with my tax return. I was planning to do that this year too and they came and got it in XXXX. Left to take my daughter to school one morning and it was gone! I received a letter in the mail that it was sold at auction on XX/XX/XXXX for {$1700.00}. 
What's particularly odd is I initially took out the loan in XX/XX/XXXX for {$4000.00}. The amount still due on the account prior to them auctioning the car was XXXX STILL! Meaning none of the monies they received from me in XXXX went to the principal and it was approximately XXXX per month. Also, the inside of the car has my child 's car seat in it as well as other belongings of ours. Not once did anyone call me from titlemax. Not before or after the car was repossessed.
Consumer complaint received 2023-05-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Block, Inc. (FL)

The refused to refund my money from a scam Ive been fighting since XXXX of XXXX. And twice now Ive requested information regarding money missing from my account and the advocate will give me a generic response that when I question it showing proof I was sent back to automatic chat bot and can not get help. It has now totaled almost {$300.00}.
Consumer complaint received 2024-05-14
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. (FL)

I am submitting in response to your current evaluation. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix : XXXX Date Opened : XX/XX/2019 XXXX Balance Owed : {$11000.00}. Please send me the name and addresses of persons contacted for each ordinance found in the FCRA. If this information can not be equipped to satisfy me, update the account and maintain your help in attempting to resolve the current issue.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc. (FL)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Premier Auto Credit (CA)

Used XXXX XXXX XXXX was purchased in XX/XX/XXXX from XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX, CA XXXX and financed with Premier Auto Credit. The vehicle stopped working XXXX XXXX shortly after the 30-day warranty expired. The engine stopped working. I contacted XXXX XXXX XXXX about returning the broken vehicle. They said I would be breaking my contract if returned. I asked to have the engine repaired by them, but they refused. I requested XXXX XXXX XXXX to pick-up the vehicle and it took approximately six months for them to do so. I continued to make payments on the broken vehicle for one year until I could no longer afford the payment in addition to another payment for a working car. Premier Auto Credit transferred my loan to XXXX XXXX XXXX. Premier Auto Credit is charging {$5.00} per day in interest plus fees. As of XX/XX/XXXX, they are asking for {$19000.00}. My balance before charge-off was {$9300.00}. They have added {$9000.00} in interest and {$590.00} in fees to my balance as of XX/XX/XXXX. I believe XXXX XXXX XXXX knowingly sold me a vehicle with a bad engine. Other customers have shared similar experiences.
Consumer complaint received 2024-08-30
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)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-06-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: NORTHWEST BANCSHARES INC (PA)

On or about XX/XX/year> I received a letter from Northwest Bank notifying me that I opted for overdraft service on a new Northwest account. During the last week of XX/XX/year> I was notified by my ID care of multiple suspicious activities associated with my social security number. I am a victim of identity theft.On XX/XX/year> I received a Debit card issued in my name from Northwest Bank. I contacted them on XXXX XXXX  to notify them that this card and any associated accounts were fraudulently opened using stolen and old PII. The person I talked to informed me that I would have to visit one of their branches to prove it wasnt me who opened that account. The branch is 30 miles from my home and I told them I would not do that as it would created a hardship on me and it was their approval system that allowed this account to be opened fraudulently. The customer service agent then transferred me to someone named XXXX at extension XXXX. I left a detailed message and never recieved a call back.
Consumer complaint received 2019-03-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

Started receiving preforeclosure statements at house. Looked at XXXX county clerk or courts showed in my fathers name process started. Went to bank found out my payments were credited a wrong account. This has not stop proceeding. Recovery department is working slowly. Sent me a partial refund, but states can not credit account, 6 payments were made to wrong account from same branch. XXXX XXXX XXXX XXXX XXXX XXXX < fl XXXX XXXX XXXX has 2 accounts with bank. Bank made payments to wrong account. My house is collateral for loan, I live in house. I have a 20 limit to respond, which I will have to pay attorney to straighten out. Also the fees bank has added to loan.
Consumer complaint received 2023-02-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (VA)

There is a derogatory remark/collection from " Credit collection Services '' on behalf of XXXX on my XXXX. I disputed it because I contacted XXXX and validated that the test was paid for by insurance and the collection company is trying to collect on something already paid for. The dispute came back as " validated '' with no supporting documents.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (NC)

My husband and I struggled to pay our mortgage at the end of XXXX. After being delinquent for 60 days, we withdrew almost everything from my husband 's XXXX to get caught up. Mr. Cooper never once offered us information about Loan Modification. We had to wire over {$9000.00} to XXXX XXXX to ensure we did not go into foreclosure. Due to the amount of time it took to secure our XXXX, as XXXX required letters from Mr. Cooper and other documentation, the amount we owed kept changing, making it more difficult to catch up. Finally, in XXXXXXXX XXXX XXXX XXXX XXXXXXXX, a Mr. Cooper finally mentioned loan modification, which we qualified for. The {$9000.00} was applied to the next 4 months of mortgage payments, ensuring we are caught up until XX/XX/XXXX. However, Mr. Cooper continues to report us as being late. We were told via phone that they would dispute the last 3 ( now 4 ) months of missed payments. Our credit score is in the XXXX, and it's very frustrating. In our opinion, Mr. Cooper is a terrible mortgage company. They are not transparent or truthful. We filed a dispute with XXXX on XX/XX/XXXX, but nothing has been updated on our credit report. Yesterday, XXXX stated that our dispute was closed on XX/XX/XXXX.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am aware that under FCRA 605B, we must eliminate any incorrect accounts from my credit report. Could you verify the documents? Several listed accounts have reporting errors. I am entitled to {$1000.00} for each inaccurate report on my credit file.
Consumer complaint received 2024-05-14
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. (HI)

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 2024-05-12
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. (PR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
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: Nelnet, Inc. (FL)

According to the Fair Credit Reporting Act ( 15 USC 1681, section 602 ( a ) ), consumer reporting agencies must handle their responsibilities with fairness, impartiality, and respect for consumers ' privacy. XXXX, XXXX, and XXXX are such agencies, and as a consumer, I have the right to ensure my private information remains confidential. This right is reinforced by 15 USC 6801, which mandates financial institutions to protect the security and confidentiality of customers ' nonpublic personal information.

According to 15 USC 1681, section 604 ( a ) ( 2 ), consumer reporting agencies can only furnish a consumer report with the consumer 's written consent. Neither XXXX, XXXX, XXXX, nor any financial institution has my consent to share my information, and I revoke any previous consent given. 

Per 15 USC 6802 ( b ) ( c ), financial institutions must inform consumers of their right to opt out of information sharing. I was not informed of this right. Additionally, 15 USC 1681c ( a ) ( 5 ) prohibits reporting adverse information older than seven years, which includes the account in question being reported without my permission.

Under 15 USC 1681s-2 ( A ) ( 1 ) ( A ), it is illegal to furnish information known to be inaccurate. Furthermore, 15 USC 1681e requires consumer reporting agencies to maintain procedures to prevent violations and restrict report furnishing to specified purposes. XXXX, XXXX, and XXXX are failing to maintain such procedures. Lastly, 12 CFR 1016.7 allows consumers to opt out of reporting services at any time, and I am choosing to exercise this right.
Consumer complaint received 2023-02-15
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. (TX)

I've found that my credit report has erroneous information for the second time around. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-29
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX 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 a account without my written instructions.