davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-12
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. (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. 

Account Name : XXXX  : Account Number : 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 2024-06-12
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. (CA)

this account was charged off on the following date ( XX/XX/year> ) since then this account has been reported as an open account..it also reporting a past due balance.this is an update in payment history .A charge -off should not include an open account status..it should also not report a past due balance. this inaccurate information falsely manipulates the statue of limitations you failed to properly investigate this account and your neglect has violated my rights as a consumer. 

XXXX XXXX XXXX acct # XXXX
Consumer complaint received 2023-11-03
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have had XXXX cards change their limit on me my spark which is a business card my XXXX and my XXXX XXXX all have went down on their credit limits i feel this is totally unfair to a customer who never been late on payments or whos never missed a payment now if I was irresponsible then yes but my credit score just suffered a lot now because I have high utilization this is hurting my business and personal credit once again I have never missed a payment or beer late and they dont think about the consumer and how this will affect their credit score which is totally unfair I feel if I was irresponsibility then yes but this shouldnt legal and if they did wan na take there credit limit down this was there choice it shouldnt affect consumers credit score because its a loss loss I lost the credit and my score goes extremely down totally unfair we need much better laws as consumers
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have been using experian to make my credit better and monitor my credit report They have actively suppressed my credit score As well as recently completely removing my score and making me unscorable Up until a month or two ago my credit has been steadily climbing and that is because I was using credit karma instead of experian Only to recently find out experian has removed my score completely making me unscorable All my accounts are in good standing All my old debts paid off All my bills paid on time including utilities and phone and cable bill and insurance for the past 8 years They refuse to recognize things that would positively impact my credit report I only have one charge off and I worked with the company to pay it completely in full Experian has moved toward automation and corruption to deny users the ability to get a better score even when they are good citizens I have a net worth of XXXX based on assets and banks alone I have XXXX bank accounts and all my credit cards are paid off and gone I utilize XXXX credit
Consumer complaint received 2024-06-12
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)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to file a formal complaint against ( XXXX XXXX Account # XXXX ) for violating the Fair Credit Reporting Act ( FCRA ) and to seek relief for the distress and financial harm caused by their actions. 

Complaint Details : ( XXXX XXXX Account # XXXX ) Date of Incident : XX/XX/year> Nature of Complaint : Multiple errors and inaccuracies, Method of investigation, How did you verify this account as accurate? 

Inaccurate Reporting : ( XXXX XXXX Account # XXXX ) has reported inaccurate information on my credit report, including an incorrect balance and misleading payment terms for a collection account. This false information has significantly harmed my credit score.

Lack of Notification : ( XXXX XXXX Account # XXXX ) did not notify me in writing about the alleged debt before placing it on my credit report, depriving me of the opportunity to dispute the debt or verify its validity.

No Contract or Business Relationship : I have never engaged in any business with ( XXXX XXXX Account # XXXX ) and have no contractual agreement with them. Their reporting of this debt is unauthorized and unfounded. 

Unauthorized Entry on Credit Report : ( XXXX XXXX Account # XXXX ) added this account to my credit report without my consent, violating my right to privacy and the provisions of the FCRA that require accurate and fair reporting of credit information.

Impact : The actions of ( XXXX XXXX Account # XXXX ) have significantly damaged my credit score, leading to potential denials of credit, increased interest rates, and other financial hardships. Their failure to comply with the FCRA has also caused emotional distress and financial instability.

Requested Resolution : Method of Verification : I request that ( XXXX XXXX Account # XXXX ) provide the method of verification used to substantiate the alleged debt and their reporting of this account. This includes all documentation and evidence they have regarding this debt.

Re-investigation : I request a thorough re-investigation of this account and its reporting. This includes verifying the accuracy and completeness of the information being reported.

Immediate Deletion of Account : If ( XXXX XXXX Account # XXXX ) can not provide adequate verification and substantiate the accuracy of the reported information, I request the immediate removal of the inaccurate and unauthorized account information from all my credit reports.

Thank you for your prompt attention to this matter. I trust that the CFPB will take appropriate action to address these violations and ensure that ( XXXX XXXX Account # XXXX ) adheres to the Fair Credit Reporting Act.
Consumer complaint received 2024-07-01
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)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX account number XXXX US Department of education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX US Department of education XXXX XXXX XXXX XXXX XXXXXXXX XXXX Department of ED XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX US Department of education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-12
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. (NJ)

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 XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX  Account Name : XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-12
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)

I am submitting a dispute to have these errors investigated, as the accounts are wrongfully reported on my credit file. According to the Fair Credit Reporting Act, I am entitled to {$1000.00} for each incorrect report. I understand that FCRA 605B mandates reporting any inaccurate accounts on a consumers report.
Consumer complaint received 2024-06-12
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. (TX)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SUNRISE CREDIT SERVICES, INC (IN)

Time share for XXXX XXXX XXXX XXXX XXXX sent to Sunrise Credit Services , Inc We sing up for time share with my partner and we were lied to since we it was not disclosed to us how they work and that we were expected to pay yearly fees on top of the loan to use property for vacation. So the first time we signed for XXXX and we used the property once when we went on vacation to XXXX XXXX XXXX. 
They later talk us into signing a XXXX loan with guarantee that they would pay our yearly maintenance fees if we agreed to move to change to Missouri property instead of XXXX XXXX but if we stayed as part of XXXX XXXX then they would not pay that but that was a lie because when I called XXXX last year ( 2022 ) the customer service said they do not pay or write off any fees regardless of the property. So the sales person lied. So then I told them I wanted to sell the property and they said they dont do that either. I forfeited the loan since I am not able to pay and not using the property and they have not taken the loan to collection and they continue adding fees to that loan even when I dont use it and I have no access to their vacation homes. They say its a mortgage which does not make sense since I dont own a house with them but I said if that was the case then they should be able to sell it like we do with homes. They have continue to threaten with phone calls from debt collection company Sunrise credit services , Inc . I have called this company and explained the situation and they are adamant that I have to pay the loan for the mortgage and a lien can be put on any property I own and they will continue to increase the fees on that loan even after they have already messed my credit and taken this loan to collection. This is a bad business practice, especially where they refer to this as a mortgage that I own for going on vacation once. It is a scam that is preyed on consumers that need to be exposed and these practices should stop. I am in debt for the wrong thing-Going to XXXX XXXX once should not be worth XXXX and more in fees and threatening to put a lien on anything I own. I am in a financial crisis and mentally distressed because of this and I am not sure how to get out of this debt that has ruined my life.
Consumer complaint received 2024-06-13
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX Balance {$340000.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$2000.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$550.00} XXXX XXXX Balance {$1500.00} XXXX XXXX XXXX XXXX XXXX Balance {$15000.00} XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-12
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. (NY)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-09-27
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. (CA)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX XXXX XXXX report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation XXXX Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of XXXX XXXX ss XXXX Returns Relating to XXXX Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : XXXX XXXX AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-06-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PENTAGON FEDERAL CREDIT UNION (CA)

On XX/XX/year>, I made XXXX mobile check deposits to my Penfed checking account. Although all XXXX checks were cashed by Penfed, only XXXX deposits showed up on my account for this date. I informed Penfed of this issue and was given at least two different case numbers tracking the issue, case XXXX and XXXX. After many months of back and forth Penfed said they would only help me if I mailed the physical check to them in the mail. I told them this was be a problem, as they already cashed the check and simply did not reflect it in my bank account balance, and it would cause the check to be deposited again and bounce. They assured me that this would not be the case, as they were tracking the issue. I mailed them the check as requested, and sure enough the check was deposited again into my account, and then bounced and the money deducted. I called and emailed Penfed, asking them to fix the issue now that they had the physical check in hand. They then refused to credit the money back into my bank account, saying the check had already been cashed in XXXX... The level of ineptitude is quite maddening, as of course the check had already been cashed, we knew that all along! The issue is simply that due to an error in their system, the money was never credited into my account- as is shown quite clearly by the fact that on XX/XX/XXXX, there are check images for XXXX deposits, but only XXXX line items for deposits into my account on that date. Now Penfed has charged my account fees and is telling me my account is overdrawn. They also proceeded to close my checking account without authorization due to these issues, which is in violation of numerous federal regulations. I demand my missing {$1000.00} to be returned into my account immediately, along with all fees, and my checking account reopened.
Consumer complaint received 2024-06-13
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. (NJ)

Im requesting to credit bureaus today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove items listed on an id theft report. Please find the required documents to assist in the removing of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX FL XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXXXXXX Balance Owed : {$1700.00} XXXX XXXXXXXX Balance Owed : {$4100.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$3500.00} XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 USA 1681. The accounts below have violated mi rights. 15 u.s.e 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 tem of information, other than records of convictions of crimes which antedates the report by more than seven ycars. 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furish 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 inaceurate. 
Delete the accounts below : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX