davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-28
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)

I filed a Bankruptcy in XXXX  with the federal court in Georgia in XXXX. The bankruptcy was transferred onto my private consumer report immediately after from the three major credit bureaus that are private entities and not of government agencies : Transunion, XXXX, and XXXX. The problem with this is they did not have permission from myself the consumer 15 usc 1681c identity theft nor did they have permission from the federal court 15 usc 1681 permissble purposes. On my consumer report it states the federal court reported this information, I will attach a letter from the federal court stating this misleading information and a LIE. The federal court has a system XXXX  ( Public Access to Court Records ) That anyone that pays a fee and established a username and password can access to see any public records of that of consumers. No entity has the legal right to transfer the information onto consumers report without the permission of the consumer and federal court. These bureaus have continuously violated my federal consumer right by adding this public record to my private consumer report. Furthermore, I have provided the proof that the federal court does not report bankruptcies on consumers report and the bureaus have failed to provide proof r that the reporting is legal. The CFPB has done nothing to support me as the consumer. They have only reached out to the reporting agencies and when the agencies have only validated that I have a bankruptcy but failed to validate the reporting of the bankruptcy is legally reported, the CFPB has then closed the case without proof. There has been no true justice served. The reporting of the bankruptcy has ruined my reputation and has hindered me from getting lines of credit and jobs in the past. If any creditor would like to know if I have a bankruptcy they can access the XXXX system like the credit bureaus have done to view that Public report, this should not be viewed on my private consumer credit report and I am requesting all of the reporting bureaus to remove this bankruptcy immediately.
Consumer complaint received 2024-07-10
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. (MI)

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

Account Name : XXXX XXXX XXXX Account Number : XXXX 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 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 2022-12-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-27
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)

ACCORDING TO XXXX XXXX XXXX - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-09-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (WI)

I was scammed by a person claiming to make a headstone from XXXX. My brother wanted to go to XXXX but tragically died at the age of XXXX. I paid a deposit of XXXX dollars through XXXX and another XXXX through XXXX. This was XXXX more than previously agreed upon to contruct and deliver the stone. When the scammer ( XXXX or XXXX? ) asked for more money and I refused and said I would like a refund, they vanished. No more ad. No more contact. Chase bank refused to contact XXXX and XXXX. XXXX and XXXX refused to contact my bank. They said they are not responsible. I was denied a refund lost all of the money. The scammer preyed on my emotions and the death of my brother and gathered my personal information. These financial institutions are enabling the acts of this scam and did not take care of me by even trying a chargeback. I'm sure the scammer will do it again if there are no consequences.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2024-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2024-03-27
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. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-27
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. (WA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-03-27
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. (PA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-09-06
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

In XXXXXXXX XXXX  XXXX I took out {$750.00} on a Best Buy Credit Card. I regularly made payment of $ XXXX  monthly for a year. I was promised a 0 % interest rate for XXXX year. After 18 months my balance has not gone down by more than a XXXX  XXXX XXXX. 

The company never sent me my card in the mail and refuses to do so after I attempted to call them. This makes it impossible for me to create an account online to set up auto pay. 

I have had to call to make a payment each month since. They have been charging me late fees of $ XXXX each month and a result, providing no grace period if payment is not made on the first of the month, even when this date falls on a XXXX XXXX XXXX  or other non-business day. I have never missed a payment but have paid it a day or XXXX late from time to time. 

They have assessed over XXXX late fees of XXXX XXXXXXXX on my account. The balance should have been paid off months ago as I have given them more than what I took out at this point, but my balance has barely gone down. 

Late fees were capped by the CFPB at {$8.00} in XXXX and this company refuses to honor this. I feel they are in violation of the law and I would like my balance reduced to reflect the fact I have paid them well over the {$750.00} I took out at this point. At the very least I want all late fees I took out reduced to the {$8.00} required by law, as they are in violation of this policy.
Consumer complaint received 2023-08-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY (TX)

I called Wells Fargo every day to insure that they had received my covid forbearance package. Every day they said no, from XX/XX/XXXX to XX/XX/XXXX. They assured me over the phone with a different customer service representative each time that they are processing the forbearance and there is nothing to worry about. I called them for the last time on XX/XX/XXXX and they advised me to send in my monthly payment. I did that and 2 weeks later I received the check back along with a foreclosure notice to be active in 7 days. I had no option but to retain an attorney and file for chapter XXXX. I have owned my house for 24 years now and what they did was wrong, false information, denial for relief, etc.. Now a trustee has been taking {$2000.00} a month out of my paycheck and that is difficult giving the state of inflation. The struggle is real!
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I sent a letter ( attached ) to Experian on XX/XX/year> requesting proof of debt ownership or removal of the associated item from XXXX on my credit report. This letter was received by the company on XX/XX/year>. 

Both the debt collector and credit reporting agency Experian failed to prove that I am responsible for this debt or even show proof that they lawfully own the debt. Experian failed to provide me a response in 30 days, and still have yet to provide me a response. 

Additionally, both XXXX and XXXX have removed this item due to its inaccuracy, and only Experian has yet to take corrective action. 

This incorrect reporting on my credit report by Experian has resulted in unjust hardship in my financial situation and daily life.
Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, 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)

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 : XXXX XXXX XXXX XXXX has violated my rights and sent me to collections of XXXX 15U.S.C 1681 section 602 A states I have a right to privacy.

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

15 U.S.C 1681 ( a ) ( 5 ) Section states : no consumer reporting agency can make any reports containing any of the following items of information. Any adverse item or information other than records or conviction to crime which atendates the reporting by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or have any reasonable cause to believe that the information is inaccurate.

Also my hippa law was violated
Consumer complaint received 2024-03-27
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: National Credit Systems,Inc. (TX)

About 8 months after I moved out of this apartment, i got a call from a collection company telling me i owe the apartment complex {$4800.00}. I was very surprised because i never got notified before hand about this amount and I was assured by someone who worked in the leasing office that my deposit was on the way and someone had moved into the unit so I was cause very unaware. I asked for a debt verification letter and never got this, I also asked for receipts for the work that they claimed they had done and I was being charged for but I never heard back. They claimed to replace the floors in the entire apartment for {$3800.00} and that is absolutely ridiculous, the floors were not in the best condition when we moved in and there was very minimal damage on our part. it is hard to believe they spent that much on floors that werent even the best quality without a receipt for the work or anything in that regards. The apartment complex is called XXXX XXXX XXXXXXXX XXXX located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and the collections company is National credit systems. I strongly believe that the apartment complex is trying to scam me as they is no receipts that they actually did what they claim to have done. I will attach the email from the leasing official. I woke up today to my bank account being frozen and all the money taken out but I never got any letters or email before hand that I was going to be sued or anything in that regard. I think this apartment is trying to bully me and my sister out of our money and that is unfair. If they can provide the receipts that match up to the T, we can work something out but they have shown no documentation because they said they have no obligation to. I would appreciate some help on this please as I do not have the funds to settle such a ridiculous amount
Consumer complaint received 2024-03-27
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. (TX)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2023-09-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (IL)

On XX/XX/ a fence contractor XXXX XXXX of XXXX asked me to Zelle him {$3500.00}. The payment options were only Zelle or cash to obtain village permit and materials before beginning the construction. I thought the banks and Zelle would protect me from fraud or fight the other bank on my behalf to get my money back especially if there was a scammer and fraud involved. They have not even tried. My bank ( XXXX XXXXXXXX XXXX XXXX said there is nothing they can do but as his bank ( XXXX XXXX  ). They should have protection against scammers and fraudulent transactions. People like him should not be protected. His account should be over drafted or frozen not protected. The fact that I have to be the one fighting instead of the institution is unacceptable and unfair.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX BANK XXXX XXXX A Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX