davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-08
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. (SC)

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.

has violated my rights. Or a 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 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I have submitted several disputes to remove all late pay and collections. I have stated all laws and according to 15 USC 604 validation. and nothing was validated or removed. i am trying to meet a XX/XX/XXXX closing date.
Consumer complaint received 2024-05-05
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: EQUIFAX, INC. (FL)

I do not recognize these credit inquires, I asked for them to be removed, but the bureaus did not do as I asked. I am providing you with an identity theft report attached to this, and I request them to be removed. They are inaccurate and not mine.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (VA)

I was a victim of Identity theft while I was XXXX  from XX/XX/XXXX, XXXX XXXX, XXXX. Legal documents have been given to support this claim that this occurred as a result of identity theft/fraud while I was XXXX.
Consumer complaint received 2024-05-09
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. (MA)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX Balance Owed : {$3400.00}
Consumer complaint received 2024-05-09
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. (NY)

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-04
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-05-08
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)

Filed for XXXX XXXX Bankruptcy in XXXX XXXX  was discharged in XXXX 

Since that time, I have tried unsuccessfully multiple times, to fix incorrect reported information with Transunion. Transunion however, continues to show accounts open that were included in bankruptcy, continues to show late payments, continues to show incorrect dates of account opening/closing, and continues to show incorrect delinquent information for debts that were discharged in bankruptcy.

Transunion is in violation of 15 U.S. Code 1681c, XXXX XXXX XXXX Sec XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, The Federal Debt Collection Practices Act, and The Texas Debt Collection Act. 

Violations of these statues carry both civil and criminal penalties.
Consumer complaint received 2024-05-07
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: EQUIFAX, INC. (MI)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2023-08-15
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. (PA)

Credit reporting agency is reporting late payments on an open account that was never late. According to 15 U.S. Code 1681a ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons. The institutions that are reporting late payments are preventing me from being extended credit and or being able to purchase a home.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to formally dispute the accuracy and validity of certain hard inquiries listed on my credit report. After a thorough review of my credit report, I have identified two inquiries that I did not authorize nor have any recollection of initating any transaction or applying for credit with the respective creditors. These inquiries have already been deleted by XXXX, and I am prepared to pursue legal action if your credit bureau fails to take similar action promptly. 

Below are the details of the disputed inquiries : 1. Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/year> 2. Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/year> I wish to emphasize that I did not provide authorization for these companies to access my credit report, and I have no record of engaging in any transactions or credit applications with them. Consequently, I am concerned about the accuracy and legitimacy of these inquiries. 

As per my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting that your agency conducts a thorough investigation into these disputed inquiries. This investigation should include verification of the legitimacy of the inquiries with the respective creditors involved. I understand that under the FCRA, you are obligated to complete this investigation within a reasonable timeframe. 

Furthermore, I request that you provide me with verifiable proof of your findigs and actions taken upon completion of the investigation. Should it be determined that the disputed inquiries can not be verified or are found to be inaccurate, I insist that they be promptly removed from my credit report. 

I would like to remind you of the FCRA 's requirement for consumer reporting agncies to follow reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer reports. 

Please acknowledge receipt of this dispute letter and inform me of the timeline for conducting the investigation and resolving the matter. I am prepared to cooperate fully with your investigation and provide any additional information or documentation necessary to facilitate a speedy resolution. 

Thank you for your attention to this matter. I anticipate a prompt and satisfactory resolution.
Consumer complaint received 2024-04-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NY)

This card offers extra reward points for travel, Including hotel stays. I did not get the extra points from stays at XXXXXXXX XXXX XXXXXXXX, and Chase told me it was the merchant 's responsibility to code themselves as a hotel and not a store. I believe the consumer should not be penalized because of the vendor 's error, and that chase has the responsibility to correctly give points that were promised to me per my customer agreement. 
I am sure this has caused many Chase customers to lose out on reward points, so the government should take a look at Chase, s practices from a systemic review point of view
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (NY)

I am a victim of fraudulent information reporting and I am filing this complaint to AMERICAN EXPRESS. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Consumer complaint received 2024-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (TX)

I had transferred money from my XXXX XXXX to my account in some small amounts ranging from $ XXXX last week Saturday ( XX/XX/2024 ). Since that evening my account was put on a restriction and I have been unable to receive my direct deposit, or make any kind of transactions with my card. This is a huge problem for me as I am trying to take care of some things to get back home to XXXXXXXX XXXX XXXX. Please help! Thank you for your time.
Consumer complaint received 2024-05-16
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These following accounts furnished my information without having my written consent and according to the Fair Credit Reporting Act I have the right to privacy. please delete the following accounts from my credit reports immediately : XXXX NUMBER XXXX BALANCE XXXX XXXX XXXX XXXX XXXX-account number XXXX balance {$2000.00} XXXXacct number XXXXbalance {$480.00} XXXX XXXXbalance {$250.00} XXXXXXXX XXXX XXXX XXXX-acct XXXXhighestbalance {$600.00} XXXXXXXX XXXX XXXX XXXX- acct number XXXX {$150.00} XXXXXXXX XXXX XXXX-act number XXXXbalance {$200.00} XXXX XXXX XXXX XXXX XXXXacct number XXXX-balance- {$1300.00} XXXX XXXX XXXX-acct number XXXX balance {$99.00} XXXX XXXX XXXX {$140.00} XXXX XXXX acct number XXXX balance- {$170.00} XXXX XXXX XXXX XXXX  number XXXX balamce {$5700.00} *XXXX  XXXX XXXX  acct number XXXX balance {$350.00} *XXXX XXXX act number XXXX balance {$820.00} XXXX act number XXXX balance {$300.00} XXXX XXXX XXXX XXXX XXXX balance {$460.00}
Consumer complaint received 2024-05-08
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. (OH)

I received a copy of my credit report there are XXXX addresses that I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-14
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. (GA)

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 XXXXXXXX XXXXXXXX XXXXXXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXXXXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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.
Consumer complaint received 2024-05-08
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 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 Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX  XXXX Account Number:XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a 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 2024-05-09
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2023-08-05
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 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 this 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 Balance : {$2700.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$9000.00} XXXX XXXX Balance : {$250.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXX : {$2000.00}
Consumer complaint received 2024-01-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

Hi there. 

In XXXX of last year, a former friend I helped start their business with committed credit card fraud and was able to make a chargeback through PayPal two months after paying me. Their claim violated Paypal 's terms, yet PayPal allowed the chargeback from the financial institution. I provided proof of completion of my services to this friend even though they claimed products weren't received and services, even though they are still using the imagery/brand direction I created. I provided all of this to PayPal. I spent months calling Paypal for updates and they gave me none until I called XX/XX/XXXX and they said the financial institution ruled against my favor. The financial institution took several months to make a decision, and decided in favor of my former friend, the fraudster. I asked PayPal as to why they made this decision and PayPal said they could not tell me, yet advised me to take this person to small claims court outside PayPal. I said I would need to know why their institution ruled against me and they said they could not tell me. I asked to talk to the financial institution or someone who works on these cases for PayPal and they said they could not do so. They expect me to simply accept this arbitrary judgement and leave me in debt to PayPal {$4200.00} even though funds were released to me months and months earlier with no problem and they will not give me any reason for the verdict. They said that since it was a personal payment, even though the chargeback claim was for a good or product not received, I did not have seller protection so they couldn't defend me, even though that allowed the fraudster to make a chargeback through their institution. They mentioned as well this happens with 30-40 % of personal payments and PayPal simply accepts the financial institution 's judgement and can not disclose why or why the decision was made by the institution. This company and individual is still using my imagery as well and I provided the dated screenshots to PayPal. I have attached my invoices and screenshots described above I sent as proof.