davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-28
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)

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. The XXXX XXXX Account number XXXX and the XXXX  Account number XXXX are in violation of my rights in accordance to 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 2023-10-10
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: Experian Information Solutions Inc. (AR)

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments.
Consumer complaint received 2024-05-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IA)

Requested XXXX for physical letter stating itemized collection items, the lady on the phone was very accusatory and essentially stated I was lying that I was not getting the letter and I was being untruthful. I can provide supporting documentation should the need arise via my postmaster that to date, I have not received any source of truth documentation or correspondence from Portfolio Recovery Associates via mail regarding the accuracy or integrity of the debt, even though I have requested it 3 times now. 

I also had requested it on XXXX with a gentleman on the phone, who was much more respectful and polite, and said they would send it out for me to review. I have since not received anything at all. 

Since my information was part of a data breach ( Social Security, address, dob, etc ), I will not pay debts on randomly generated local phone numbers without prior mail notice verification. The debt collector attempted to convince me by repeating my social security number, despite myself just telling her Id been part of a security breach and information dump. 

I repeatedly told the individual that I was more than willing to work with them to settle the debt after proper verification, however as stated, the language and tone the lady used on the phone was very disrespectful and after the antics portrayed, I told them to not call me back until I call them first after my receipt of the letter. Again, to date, no letter has been delivered to me or received by me. I even verified my current mailing address with them, and double checked my pile of mail I keep in the bin near my door ( I dont throw it out unless its full and even then, all non junk mail is taken out of the pile. 

In the event that the company does not have an actual debt tied to me or they otherwise have not attempted contact, then this complaint can be disregarded.
Consumer complaint received 2024-05-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Yes Online Inc (IL)

I was recently contracted by a company called dynamic legal recovery, Threatening a XXXX XXXX XXXX and credit for a debt that was supposedly owed to a company XXXX XXXX XXXX XXXX XXXX XXXX out of XXXX Indiana. This debt was never sent to me nothing was ever signed off on. the company cohersed me and threatened me about a debt after a year went by. 

I have asked numerous times to provide the information from the original company which was never sent now the collections agency is sending documents that are not valid. 

I have had multiple calls and emails they have sent text messages to people that are not included into the debt threatening everyone that worked for me that they are included in a law suit. 

what they are doing is completely uncalled for and it is very unfortunate
Consumer complaint received 2024-01-28
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 

PLEASE UPDATE ACCOUNT TO XXXX IMMEDIATELY THANK YOU AND ADVANCE PAID AS AGREED/NEVER LATE
Consumer complaint received 2024-01-28
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. (VA)

XXXX. XXXX XXXX. Transunion Consumer Solutions 3. XXXX  XXXX  XX/XX/2019 : I have public record twice. I have asked for method of verification twice. I have not been provided evidence. The filing/reported date is wrong. The closing day is also wrong. The Reference number is wrong. I demand you provide me with a method of verification. I have attached a letter from the court saying they have not reported this public record to any of the bureaus. Delete this immediately! 



XXXX XXXX XXXX - XXXX : I have disputed this account twice. I AM NOT LIABLE for this debt. I asked for validation, and nothing was provided to me. It has been deleted before and reinserted without proper notice and certification. Delete this immediately
Consumer complaint received 2024-05-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United PanAm Financial Corp. (PA)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list I will be providing of accounts reporting on my consumer report with your bureau, has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Fair Credit Reporting Act 15 USC 1681 Section 602A, Subsection 4 : States, I have the right to privacy.

There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy.

Fair Credit Reporting Act 15 USC 1681 Section 604A, Subsection 2 : States, written permission is needed and required. In accordance with the written instructions of the consumer to whom it relates. 
This violation has taken place with the improper use of my report. Per 15 USC 1681S Section 2 ( A ) ( 1 ) Subsections : States, a person shall not furnish any information relating to a consumer to any consumer reporting agency.

No, privacy has been established. No, written permission was established nor given. Violation of my federally protected consumer rights to privacy and confidentiality has taken place with the accounts listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (TX)

Since XX/XX/year> Coinbase XXXX has had my account under review. Finally in XXXX after multiple contacts I was able to provide all the documents asked my them. Their response since then has been XXXX business days. Its XXXX now and I have not been able to do the following : 1. Trade - sell/buy crypto XXXX XXXX Withdraw my money from coinbase XXXX. Track where my recurring bank transfer which is failing automatic purchase, is being held Contacted customer agent via phone and XXXX support with same response.
Consumer complaint received 2024-01-28
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. (FL)

Inquiries 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- The accounts below have violated my rights. 
15 U, S.C 1681 section 602A. States ( have the right to privacy.

15 U.S.C 1881 Section 604 A Section 2 : It also states a consumer reporting agency, can not furnish, a account without my written instructions. 
P15 U.S. 1681g. ( 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 ) ( a ) 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.

Delete the accounts below : XXXX XXXX
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list I will be providing of accounts reporting on my consumer report with your bureau, has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Fair Credit Reporting Act 15 USC 1681 Section 602A, Subsection 4 : States, I have the right to privacy.

There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy.

Fair Credit Reporting Act 15 USC 1681 Section 604A, Subsection 2 : States, written permission is needed and required. In accordance with the written instructions of the consumer to whom it relates.

This violation has taken place with the improper use of my report. Per 15 USC 1681S Section 2 ( A ) ( 1 ) Subsections : States, a person shall not furnish any information relating to a consumer to any consumer reporting agency.

No, privacy has been established. No, written permission was established nor given. Violation of my federally protected consumer rights to privacy and confidentiality has taken place with the accounts listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (AZ)

On XX/XX/2024 I sent a letter to TransUnion regarding a request to investigate things that I believe to be inaccurate and incomplete on my credit report. Today, XX/XX/2024, I received a stall letter from TransUnion stating that is not me but from a third party trying to fix my credit which is totally incorrect. I mailed this letter from my own house. Im not sure why do they think I am a third party as I am trying to fix my own credit while trying to get these inaccuracies remove from my credit report so I can purchase a home.
Consumer complaint received 2024-01-28
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. ()

Ive reviewed my credit report and noticed the following inaccurate items. The information reporting on my credit profile is not my account and I would like you to validate that it belongs to me per the accounts below, as they are not mine. 

XXXX XXXX Account Number:XXXX  Account Opened : XX/XX/XXXX Account Balance : {$440.00} XXXX XXXX Account Number:XXXX Account Opened :XX/XX/XXXXAccount Balance : {$2400.00} XXXX XXXX XXXX Account Number:XXXX Account Opened : XX/XX/XXXX  Account balance : {$720.00}
Consumer complaint received 2024-05-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (ME)

I have been trying to reactivate my inactive account for weeks. As they require, I mailed them a letter in the mail with all my information to reactivate my account. They lost the first letter so I had to mail a priority letter to since they required a tracking number over the phone to prove that they got it. They have left me hanging for weeks, now they called and said they got my letter but it wasn't notarized or signed. It was 100 % signed but it was certainly not notarized. This is because it says online that only citizens in New York are required to notarize requests to reactivate inactive accounts. I have never lived in New York and have resided in Maine my entire life. They have been giving me the absolute run around. I have done all of the things necessary to solve this mundane task. Their requirements are posted online on how to reactivate my account and now they are needlessly requireing more. I have already spent XXXX dollars on priority shipping just to track the first letter and now I will have to do it again. This is totally unacceptable
Consumer complaint received 2024-01-28
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. (MA)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 



I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have XXXX XXXX to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2024-05-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (KS)

My chime account was randomly closed and after they closed my account I had a refund of {$500.00} that was added back into my chime credit builder account. After calling and multiple chime representatives confirming that the {$500.00} was in fact in my chime account and I would have a closure check sent out to me, I still haven't received it and they are now trying to tell me that the money is gone and I'm not getting a closure check. I have been back and forth in communication with chime about my closure check which they have been telling me for the last 6 months will be sent to me. I just want my money.
Consumer complaint received 2024-05-07
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 have consistently ensured timely payments on this account, avoiding any overdue payments. However, I am unsure about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.
Consumer complaint received 2024-01-28
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. (MI)

PLEASE REMOVE ALL OF THE INCORRECT PERSONAL INFORMATION ON MY CREDIT REPORT. THE INFORMATION LISTED ON THIS DOCUMENMT IS NOT MINE AND NEED TO BE CORRECTED. THIS IS A RESULT OF IDENTITY THEFT.US CODE 1681 E- COMPLIANCE PROCEDURES B ) 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.
Consumer complaint received 2024-01-28
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)

In reviewing my recent credit report, XXXX XXXX XXXX is reporting {$5900.00} balance owed with XXXX XXXX  that is not my account. Reached out to XXXX XXXX  and the company is no longer in business. Notified the credit bureaus and creditor to notify them that the account not my account and need to be removed.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX Account XXXX XXXXXXXX Account has written /Charged off and on credit Reports it is showing Late Payments/Missed Payments on Credit Report..it is unlawful to write off and still report
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IA)

requesting application records, signature cards, address ( s ) on file, address change, phone number on file, email on file, full banking records and statements for the past 7 years, copies of any signatures, cosigners, authorization letters, closing statements, closing application or how the account was closed-charged off, and any files, coosigners, or Co-applicants related to the following accounts and any other accounts found linked to XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX 

Credit Card XXXX XXXX XXXX -Acct # XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2024-05-07
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. (FL)

I am within my right to dispute any information on my report and seek legal counsel if it is not corrected. So this is my last time submitting this complaint before calling a lawyer and suing to get my rights. Several Hard inquiries on my report need to be removed from my file in under 15 U.S. CODE 1602p. 


The following inquiries are not related to one of the allowable purposes, as I have reiterated from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue. 
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