davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-13
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. (AL)

The following companies have violated my rights and the Fair Credit Reporting Act by reporting incorrect information on my credit report. 
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error - ( 4 ) The creditor 's failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As I know the creditor didn't notify me 21 days before with a statement so there should be no late payments on these accounts. I demanded to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this was clearly a billing error. 
The items below should all be updated as agreed on my consumer report. 
also, The Consumer reporting agency has published defamatory and false statements of alleged facts to my consumer reports, and Doing so has caused and will continue to harm me and my standing. The information reported entails private personal information which they have no right to communicate or convey to anyone without my written consent pursuant to 15 USC 1692c ( a ). 

XXXX XXXX Account number XXXX late payment XX/XX/XXXX, XXXX Account number XXXX late payment XX/XX/XXXXXXXX XXXX  Account number XXXX late payment XX/XX/XXXX The Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). I feel as if my privacy rights have been violated also. Correct these billing errors immediately
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Recently I checked my credit report and noticed billing errors under 15 U.S. Code 1666 ( b ) billing error.
Consumer complaint received 2024-01-13
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. (IN)

XXXX. XXXX Private loans jointly signed by my spouse and I. 

XXXX. Made XXXX full payment each account. 

No payments thereafter. 

Now, 7 years later, the ( XXXX ) loans remain on our reports. Both myself and I. 

Calls to XXXX XXXX XXXX XXXX state that the XXXX expired but it is up to the XXXX bureaus to remove.
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: Experian Information Solutions Inc. (FL)

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

Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section : 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 agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 contain inaccuracies in their reporting. I am entitled to receive {$1000.00} for each incorrect entry on my credit file.
Consumer complaint received 2024-01-13
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. (IL)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results.It Has now been over 30 days I filed a 30 day demand to comply with credit bureaus and still have yet to receive a response. According to 15usc 1681 there should not be any damages on my report and this inaccurate information is defamation of my character.
Consumer complaint received 2024-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I consistently make on-time payments, of which I am certain. What I'm uncertain about is why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing errors should be corrected, or they will be liable to pay me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2018-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (GA)

LexisNexus is reporting the wrong information about my property loss history. I have try twice with them to correct the problem. My insurance XXXX confirmed to them that those losses was not homeowners related rather a electronic repairs. With all that LexisNexus is keeping this information on my property report that is not allowing me get affordable homeowners insurance.
Consumer complaint received 2024-01-13
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. (IN)

XXXX XXXX charge off XXXX sold to XXXX XXXX. 

Date of last payment XXXX Have asked for deletion since it over the 7 year mark : XXXX will not. XXXX will not.
Consumer complaint received 2021-02-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (GA)

To Whom It May Concern : In XX/XX/XXXX, {$600.00} was taken out of my checking account via Cash app by an unknown person ( fraud ) and made it look like I sent the {$600.00}. I filed a complaint with both Cash app and XXXX  XXXX XXXX. 

I was told via email by Cash app ( XX/XX/XXXX ) they would not be able to refund me the {$600.00} because the unknown person ( fraud ) had deposited the money into their account. 

I was told by XXXX  XXXX XXXX ( XX/XX/XXXX ) they would not be able to refund me the {$600.00} because Cash app provided information stating I use Cash app frequently. 

I know for a fact I did not send {$600.00} to the unknown person ( fraud ) and I do not know the unknown person ( fraud ). 

I want my stolen {$600.00} back in my account because it was fraud, someone did hack into my Cash app account, and I did not send the unknown person {$600.00}.
Consumer complaint received 2024-01-13
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. (NY)

When I investigated my credit report, I realized that some of the information was erroneous.3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat theses reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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 2024-04-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me.
Consumer complaint received 2024-01-13
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. (DC)

I The consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ) TransUnion, violated my federally protected consumer rights to privecy 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 It also states a consumer reporting agency can not furnish a account without my written instructions Plus More violations listed below *15 U.S.C 1681 ( O ) *15 U.S.C 1681 ( i ) *15 U.S.C 1681 ( e ) ( b ) 15 U.S. Code 1692 ( f ) 15 U.S. Code 1692 ( a ) 15 U.S. Code 1692 ( g ) 15 U.S. Code 1692 ( e )
Consumer complaint received 2024-01-13
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. (AL)

I am formally requesting this letter to remove the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act 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 2024-07-07
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: WSFS FINANCIAL CORPORATION (PA)

On XX/XX/year> XXXX bank flagged and froze XXXX of their accounts that was receiving direct deposit money from my personal checking account. I do not have an account at XXXX XXXX. Fraud had occurred and XXXX started to investigate. XXXX said it would take XXXX days to research and then they would get back to me. I have reached out to them at least XXXX  times with no resolution. XXXX XXXX has escalated it to higher levels but I have not received any additional information. The amount of money was approximately {$18000.00} that went into the XXXX account from my WSFS account. I spoke to XXXX XXXX at XXXX XXXX department who was helpful but she has not been able to have anyone else in the bank give me an update even after repeated e-mails. I told XXXX that if I did not hear from them by XX/XX/year> that I would have to reach out the cfpb to help me resolve the Fraud issue and get as much money back as possible.
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: ACIMA CREDIT, LLC (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my numerous Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require 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 information relating to any transaction by the consumer. 
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 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Every other month I keep seeing XXXX XXXX showup on my transition report. I have told this company plenty of times I do not want or will ever use their service and to close and delete my information and account yet they keep reporting on my account the account is closed. They are abusing the credit reporting on people account!!! I dont want to ever deal with this company and for some odd reason they keep opening my account after I get an email stating the account is closed! Its now XXXX and last I felt with those company is XXXX!!! Why wont this company leave me XXXX XXXX  alone!!! This is identity theft
Consumer complaint received 2024-06-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WV)

I am in receipt of the attached email from MOHELA dated XX/XX/XXXX. The email states that my XXXX of XXXX billing statement was not sent within 21 days prior to the due date. My due date was the XXXX of the month at the time of the applicable statement. I have attached my billing statement dated XX/XX/XXXX, for my XX/XX/XXXX, due date. I can confirm that per the attached .pdf, I did not receive my paperless electronic statement dated XX/XX/XXXX, on MOHELAs website until XX/XX/XXXX, which was less than the required 21 days. I can further confirm that {$220.00} was indeed extracted from my checking account through XXXX XXXX. The attached XX/XX/XXXX, email states that I have the right to request a refund in the amount of {$220.00} for the XXXX of XXXX payment and that a forbearance will be applied for that month. The month of XXXX of XXXX has already been determined by MOHELA to be an eligible and qualifying payment for the purposes of the XXXX XXXX XXXX XXXX XXXX ( PSLF ). Please see the attached payment tracker. I wish to request a refund in the amount of {$220.00} for the XXXX of XXXX payment. However, if my request will cause XXXX of XXXX not to be considered an eligible and qualifying payment for the purposes of the XXXX program, I do not wish to make such request. In other words, I only want a refund if XXXX of XXXX will still qualify for the XXXX program. My ID is attached.
Consumer complaint received 2024-01-13
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. (SC)

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 remove these items ( A ). It is not permissible to fail to remove these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XX/XX/XXXXXXXX Balance : {$0.00} ; XX/XX/XXXXXXXX Balance : {$9300.00} ; XX/XX/XXXX ( Original Creditor : XXXX XX/XX/XXXXXXXX XXXX ) XXXX Balance : {$3400.00} ;XX/XX/XXXX XX/XX/XXXX Balance : {$580.00} ; XXXXXX/XX/XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-01-13
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. (GA)

This is my numerous Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any account that was 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 information relating to any transaction by the consumer. 

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 CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/year> ; XXXX XXXX XXXX Inquired on XX/XX/scrub>XXXX XXXX XXXX
Consumer complaint received 2024-01-13
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. (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 items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 2024-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (PA)

On XX/XX/2023 our company mailed a check for {$86.00} to one of our vendors for payment and on XX/XX/2023 that check was cashed for {$44000.00}. Within that small amount of time, our check was stolen out of the mail, washed and cashed. At the same time, our bank stopped mailing monthly statements, without warning, so we didn't discover the discrepancy until XX/XX/2023. The next day we went to the bank ( XXXXXXXX XXXX  ) and they told us we should have been checking our account twice a day, every day. We filed reports with our bank, the XXXX police department, USPS, our insurance, United States Postal Inspection Service, and even involved an attorney. The only information that our bank provided was that it happened with J.P. Morgan.
Consumer complaint received 2024-07-18
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (CT)

XXXX made improper claims against me, claims which were settled after I filed informal complaints with the FCC. XXXX then improperly sold the alleged claims to XXXX XXXX XXXX XXXX XXXX A debt collector ( Transworld Systems , Inc ) then filed false claims with credit reporting agencies, and failed to disclose that the creditor was XXXX XXXX XXXX XXXX XXXX falsely claimed in a submission to XXXX that it had properly verified the claims against me. 
XXXX injured me by selling a settled claim when nothing was owed to XXXX on account of the alleged claims. Transworld Systems , Inc., XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX broke the law by filing a false claims and injured me by damaging my credit rating. 
The XXXX dispute file is XXXX XXXX XXXX XXXX is located at XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-01-13
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)

A charge off is considered a certificate of indebtedness which means it is income and must be removed from consumer profile. 

XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX ( Privacy Act of 1974 ) The law says that it is illegal to report transaction history. 

In accordance with the written instructions of the consumer to whom it relates. 
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section :