davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I XXXX XXXX XXXX, just recently obtained my credit report on XX/XX/XXXX. I noticed numerous unauthorized hard inquiries that did not have permissible purpose according to the Fair Credit Reporting Act. Anything furnished on my credit report must have permissible purpose according to 15 U.S.C. 1681b. See Exhibit A. 

XXXX ). XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX : This inquiry has no permissible purpose to be on my report. Please correct the filing and delete this inquiry due to violation of 15 U.S.C. 1681b 2 ). XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX : This inquiry has no permissible purpose to be on my report. Please correct the filing and delete this inquiry due to violation of 15 U.S.C. 1681b 3 ). XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX : This inquiry has no permissible purpose to be on my report. Please correct the filing and delete this inquiry due to violation of 15 U.S.C. 1681b 4 ). XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX : This inquiry has no permissible purpose to be on my report. Please correct the filing and delete this inquiry due to violation of 15 U.S.C. 1681b 5 ). XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX : This inquiry has no permissible purpose to be on my report. Please correct the filing and delete this inquiry due to violation of 15 U.S.C. 1681b 6 ). XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX : This inquiry has no permissible purpose to be on my report. Please correct the filing and delete this inquiry due to violation of 15 U.S.C. 1681b
Consumer complaint received 2024-06-04
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. (PA)

It seems that FCRA 605B requires the removal of any incorrect accounts from my credit report. Can you check the documents? Some of the listed accounts are inaccurately reported, with incorrect amounts and dates.
Consumer complaint received 2024-08-31
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. (IL)

I have viewed my credit reports as of XX/XX/XXXX, XXXX have noticed some account status were not accurate.According to the Fair Credit Reporting Act, when a reporting agency prepares a credit report to shall follow procedures to insure accurate information about individual.These accounts as follow XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have been settled in full, due to COVID. I have reached out to the creditor regarding this matter.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NJ)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.
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. (IL)

I am writing to request a reinvestigation of several accounts on my credit report following my previous dispute with your agency. The accounts in question are not being reported accurately and are in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
I request a thorough reinvestigation by your agency for the following issue : 1.

This agency has failed to validate the debt despite multiple requests on my part. I am concerned about how your agency was able to verify this debt when the collection agency could not. ONLY YOUR BUREAU IS REPORTING THIS. 
NAME : XXXX  ACCOUNT : XXXX AMOUNT : {$920.00} DELETE THIS FROM MY REPORT AND SEND ME PROOF THAT IT WAS DELETED. 

XXXX. 
I have no record or knowledge of missing any payment with this company. There is no evidence on my end that I missed any payments. How can it be explained that this account was paid for and closed, yet still shows a late payment for the last month? This discrepancy is causing significant confusion and indicates an inaccuracy. 
Name : XXXX XXXX XXXXXXXX XXXX  Account : XXXX Amount : {$10000.00} UPDATE THIS TO PAID AS AGREED SEND ME PROOF THAT IT WAS UPDATED XXXX. 
XXXX and XXXX were not able to verify this ITEM AND ITEM was blocked from the other two credit bureau. Only your Agency is reporting this Fraudulent Account. 
Name : XXXX XXXX Account : XXXX Amount : {$1200.00} DELETE THIS FRAUDULENT ACCOUNT. I AM VICTIM OF ID THEFT. 
XXXX : The following inquiries have not been AUTHORIZED by me, I have never contacted the following lenders. I request an IMMEDIATE REMOVAL. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (NJ)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. They are reporting a charge off on several accounts that have been closed without my consent. That debt then became a credit tax write off for XXXX  XXXX and is now taxable income for me. However I have NEVER received a XXXX cancellation of debt form from XXXX XXXXXXXX for anything they are reporting and this is inaccurate and should be removed. The cancelled debt is being filed on companies taxes and also reporting on my credit report as a debt. This is a violation of 15 USC 1681 eb as there should be maximum accuracy on the consumer report.
Consumer complaint received 2024-06-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2016-12-16
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (SC)

Nationsar Mortgage is not acting in good faith as I attempt to short sale my home. 

Property originally listed on auction site and did not disclose the HOA assessments and that they have to be paid in full at closing, even though this was disclosed to the lender on several occasions. By not disclosing the full details of the property, they are misleading potential buyers and thus causing buyers to initiate releases once it is determined the loan can not legally close without additional payments to the HOA. 
We have submitted documentation to them showing that the HOA assessment is a legal requirement of the development and must be paid in full ; they are refusing to submit the file to the investor for their review and consideration of the new HOA assessment facts. 
Servicer was speaking to the auction buyer even after they signed a release and was trying to move their offer forward after receipt of a new executed offer in their systems. Once we educated them on contract law, they discontinued their illegal communication with the previous buyer immediately. 
Manager stated she would submit all of the HOA documentation to the investor for their consideration before we countered the buyer, however, she is no longer honoring her original instruction. 
All of the delays/negligence is causing direct harm to you as the seller as it is pushing you closer to foreclosure, more harm to your credit scores and increased tax consequences. 
The negotiator assigned to this file is not only rude and unprofessional but seems to be working against us and not with us to get this file moving forward. We have asked several times to have her removed from this file at no success ; this is a compliance requirement of the lender when a 3rd party asks for reassignment. 
The counter we just received is inflated as they were going to accept the auction buyers offer of $ XXXX ( without the auction premium ) and now they are countering at $ XXXX to cushion their bottom line in order to offset the HOA costs. This directly harms you as the homeowner, but also forces a buyer to pay an inflated price on the property which then causes further harm to the development and economy as prices inflate to unreasonable and/or unsubstantiated values
Consumer complaint received 2024-06-13
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: Synovus Bank (AZ)

I overnighted a {$900.00} payment to raise my credit limit. I was trying to get a rental car for my trip to XXXX, La to a family reunion that my family wasn't able to go to because my credit card wanted me to wait 7 to 10 days to post to my account. My family was looking forward to go to this event in order to meet with family members that we wanted to meet. Im planning to limit my use of this card from First Progress in the future. I've plan to now use other cards to in protest.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : " Incorrect Name - XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, NC, XXXX EMPLOYER - XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-12-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-06-28
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. (AL)

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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXXXXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2024-06-04
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 writing to follow up regarding the ongoing issue with my credit report. Despite my multiple attempts, I have been unsuccessful in correcting an inaccurately reported late open account on my credit file, which is adversely affecting my financial standing. I have repeatedly contacted your organization to dispute the inclusion of a late open account on my credit report, which is not a true representation of my financial history. The presence of this account has led to a reduction in my credit score, causing difficulties in obtaining loans, securing favorable interest rates, and achieving my financial goals. I have attached the following supporting documentation for your review : Copies of all previous correspondence and dispute letters submitted to your bureau. Evidence demonstrating the inaccuracies on my credit report, including any relevant documentation or statements refuting the late open account. Proof of my timely payments and other financial history, which should accurately portray my creditworthiness. Despite my consistent efforts to address this issue, the late open account remains on my credit report, causing me ongoing financial stress and setbacks. I am concerned that these inaccuracies may further impact my ability to secure housing, employment, or access to credit services. I request an immediate and thorough investigation into this matter. With this, I am asking for your assistance to correct the accounts XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$200.00} ; XXXX XXXXXXXX Balance : {$0.00}.
Consumer complaint received 2023-03-22
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: EQUIFAX, INC. (TX)

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-04
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. (WI)

I was a victim again of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX IL XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (GA)

I have received several letters from this company, implying that I owe a debt that is not mine. I do not have a contract with this company nor do I know anything of this if they found me in error, I asked for a contract bearing my wet signature and today, I still have not received it. I would like them to stop negatively reporting on my credit and stop contacting me about this debt.
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. (PA)

After initially sending Transunion a dispute letter to investigate my consumer report, I asked them to include any documents including signed agreements, receipts, and contracts in which they failed to provide. Transnuion responded saying that the information is " Verified '' but never sent any documentation or receipts to verify the alleged debt. I reached out to the creditors asking them to verify any debt in which I never received a response or the documentation. The information that's reporting to my consumer report is badly affecting my credit score putting me in hard times. I have no knowledge of who these creditors is nor did we have any mutual agreement. The accounts reporting are not mine and be removed if they can not be properly verified. The creditors reporting the accounts never had my consent to obtain or share my personal information with anybody which is a violation too my right of privacy. I am aware that it is Transunion 's duty to do what's fair and equitable as a consumer in which I don't believe there was a fair investigation. 

Violations committed by Transnuion & the credit bureaus 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1692c - Communication in connection with debt collection
Consumer complaint received 2024-06-04
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 always pay my bills on time. I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have 30 days from receipt of letter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (IL)

I received an email communication XX/XX/year> at XXXXXXXX XXXX from JP Morgan Chase advising my account was negative in the amount of $ XXXX. It specified XXXX withdrawals were made in the amount of {$1500.00}. I immediately notified Chase regarding this matter. Chase indicated someone put a fraudulent check into my account, they advised it was a systematic error and would be rectified and that not only myself was impacted but others as well. I then was advised a real time transfer was done XX/XX/year> and Chase didn't take the funds. 3 months later, with no phone, email and written communication, Chase deducted {$3100.00} from my personal checking account without my consent or authorization. This is unethical to say the least and bad business practices. As a consumer, I am trusting JP Morgan Chase to manage my account accordingly and ethical. Which they have failed me. This is absolutely ludicrous that my financial institution would make any sort of big error like this that has negatively impacted me. The transaction is obsolete. Technical glitches, system errors, or software malfunctions within the banking infrastructure has nothing to do with me as a consumer as I am doing business with them. It is illegal for Chase to seize money from my account randomly with no communication and without my consent. Chase didnt have a right to offset without my consent or permission, illegal. On XX/XX/year>, they decided to XXXX XXXXXXXX of the transactions in the amount of {$1500.00} and refusing to correct the other as it was their error. I have been unable to get a resolution and the account is still in a negative status. 

Total Withdrawals {$3100.00} XXXX {$1500.00} XXXX {$1500.00}