davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-19
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. (LA)

I am writing to request the immediate blocking and deletion of an unauthorized credit inquiry from my credit file. As a victim of a data breach, I did not authorize the following inquiry : XXXX  ( Date : XX/XX/year> )
Consumer complaint received 2024-11-19
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. (NC)

The collection agency was sent a certified letter requesting validation of charges. The company has not provided this. I also I requested validation of the the charged with TransUnion and XXXX. Neither provide documents of validation, details and specifics of charges and date allegedly received, insurance documents for any products or services filed and documents disclosing insurance payments in detail. Transunion and XXXX replied that they validated the charges, yet did not provide me with copies of what they used to validate. They simply said thye were validated.
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hello, my name XXXX and I am calling because I was wondering why these fraudulent accounts are still showing up on my credit report. I already went through the dispute process and sent in all documents necessary 30 days ago. I sent in my ID, social, Identity Theft Report, I am wondering why it is still not off my report, can you remove it off my report completely /. I am asking to provided information if not please delete wrong information.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX AV XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}
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. (NV)

TransUnion refuses to remove the following information from my credit files. I have called the companies and they have stated they have not received a dispute. I have disputed these items multiple times. THE INQUIRES ARE FRAUD! Filing police reports and what not in order to have this information removed. TransUnion is committing fraud by refusing to remove this fraudulent and offensive information! It is listed below in my police report and screen shots.
Consumer complaint received 2024-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (OH)

XXXX partners with XXXX for deliveries. 
I contacted XXXX about spoiled deliveries and they told me I selected contactless delivery when I in fact did not. No text messages or notifications the order was on its way were sent to me at all whatsoever. 
{$80.00} worth of groceries spoiled. 
I've contacted XXXX multiple times and they say they can't help.

I've contacted J. P. Morgan Chase Bank to do a chargeback and they refuse just like the merchant, they're telling me to contact the merchant.

Who do I get my {$80.00} back from? This is insane. 

Additionally, the XXXX app is glitched, I'll attach a screenshot, this was taken around daybreak of the day after the initial order.
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

My car was totaled and I had GAP coverage, which means that it was paid in full. The credit bureaus are constantly reporting the account delinquent and past due. This is affecting me really badly.
Consumer complaint received 2023-12-15
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: SIMM Associates, Inc. (DE)

XXXX is harassing me about a bill medical bill for a XXXX XXXX that I no longer use at the time I XXXX XXXX have XXXX which pays for all medical expenses my bill should be XXXX $ now Im getting phone calls daily from simmassociates a debt collector I need this dispute asap please bill is over XXXX $
Consumer complaint received 2023-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

My Name is XXXX XXXX I Have an checking account at Captial One 360 account number is XXXX had been frozen due to a {$100.00} XXXX payment that XXXX XXXX send me there is currently {$750.00} which they won't give access to because he report the XXXX payments of which done on XXXX XXXX, {$10.00}, XX/XX/XXXX, {$30.00} and XX/XX/XXXX, {$60.00} as fraud this been going on for over XXXX months i would like to have my money back everytime i call the protection number at capital one they give the same excuse we can't give a time as to when will be settled which there Investigation will be done and my money released
Consumer complaint received 2024-07-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Upgrade, Inc. (NC)

I have been unable to verify my bank account information online with Upgrade credit card. I have attempted to do so in order to redeem my rewards. I called customer service at XXXX today according to the online instructions. I was informed that they could not verify the account due to me banking with a small bank, XXXX XXXX XXXXXXXX XXXX XXXX. I was asked to provide a voided check or XXXX  copy of my statement via email in order to verify my account so I could receive my rewards balance. The email I received was not a secure email account and was not encrypted. I asked several times and was informed repeatedly that their email is confidential. The representative was adamant that it was secure despite my requests for a secure document link or encrypted email. He informed me that was the only type of email they had. I asked to be mailed a paper check and refused to send my personal banking information via the email that was provided for me to reply to. My concern is that others may send personal information believing the email is secure. Furthermore, I was informed there would be a delay of approximately XXXX weeks in order to receive a check and I am certain I will no longer use this card as my bank account is no longer verified so I have no convenient way to pay.
Consumer complaint received 2024-01-14
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)

Concerns About My Personal Info Being Shared Without Permission Hello, I hope you're doing well. My name is XXXX XXXX, and I need to talk to you about something important regarding my credit report. 

I noticed that some of my personal information was shared with another party without my permission. This doesn't seem right, and I believe it goes against the rules in the law ( 15 U.S. Code 6802 ) about sharing personal information.

According to the Fair Credit Reporting Act ( FCRA ), I have the right to know and control who accesses my personal details. The fact that my information was shared with someone not connected to your agency raises concerns about my privacy rights. I never had the chance to say no to this, which the law requires.

I want to be clear that my concern is not with the companies I owe money to but with your agency for sharing my information without asking me.

I checked the law ( 15 USC 1681b ), and it says you need my written permission to share my personal information. Since I haven't given that permission, I'm asking you to show proof that I agreed to it. If you can't, it might mean a violation of FCRA rules. 

I've already reported this to the Federal Trade Commission ( FTC ), and my complaint number is XXXX. I'm worried that this unauthorized sharing might be a form of identity theft ( 18 USC 1028a ). 

I officially request you to remove the following accounts from my credit report within four business days : XXXX XXXX - Account Number : XXXX ( this account has multiple errors from XXXX to XX/XX/2022, showing a repetitive late payment of 90 days, violating 15 USC 1681eb and inaccurate reporting ) XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX I have the right to fair and accurate credit reporting, and fixing these mistakes is crucial for the accuracy of my credit report. 

Also, I need you to explain how you verified that the information you have is accurate and that I had the chance to decline it. This is important for fairness and accuracy in credit reports. 

I hope we can resolve this matter within the specified four business days. If not, I might have to consider legal action. 

Thank you for addressing this promptly.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Im not able to dispute inaccurate information on my consumer report online at service.transunion.com. Im also not able to add or remove a freeze on my consumer report. Ive made multiple attempts to fix this issue and the problem is not being resolved. According to the Fair Credit Reporting Act ( FCRA ), 15 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 ).
Consumer complaint received 2023-10-25
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: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the wrong person.
Consumer complaint received 2024-01-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-04-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

After the breach by the cash app employee, multiple attempts were made against my account to use my card at XXXX. Most were denied due to suspicious activity but one was paid and Im out XXXX XXXX Cash app referred me the XXXX but I dont have an order number or anything to file a claim.
Consumer complaint received 2024-06-30
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 am exercising my right to have this disputed and investigated because these accounts are incorrectly reported on my credit file. According to the Fair Credit Reporting Act, I am entitled to {$1000.00} for each erroneous report on my credit file. I understand that FCRA 605B mandates reporting any inaccurate accounts on a consumer 's report.
Consumer complaint received 2022-04-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (DC)

I have now received a 4th unwanted, unsolicited CashApp card in the mail in the space of 2 months.

I have now spend over three hours of my life trying to close down fraudulent accounts that I had nothing to do with opening.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Equifax Information Services XXXX XXXX XXXX XXXX, Ga Dear, Equifax Information Services Inaccurate Credit Reporting ( 15 USC 1681s2 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following accounts : XXXX XXXX XXXX XXXX Account Number : XXXX is reporting a balance when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing on my consumer file. 

This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. 

I would demand that the accounts be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel. 

Thank you in advance, XXXX XXXX
Consumer complaint received 2024-01-14
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 XXXXXXXX XX/XX/2024. 


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 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2024-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AL)

On XX/XX/XXXX a charge from XXXXXXXX XXXX in the amount of XXXX was charged to my Wells Fargo XXXX XXXX. I filed a claim and the provisional credit of XXXX was applied. 

3 months later the provisional credit was reversed and Wells Fargo is saying the charge was not fraudulent. After multiple phone calls and visits to the local branch located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX the bank did not or would not reverse the charge. 

I also contacted XXXX and they stated : XXXX XXXX, Thank you for your patience. 
I understand that you're concerned about unidentified charges for a XXXX XXXX account. 
Since you confirmed that you did not initiate the charges, we have classified them in our system as unauthorized. We recommend that you cancel the credit card or bank account that was used, and instruct your bank to dispute the payments. Your bank should then be able to recover the funds and credit them to your account. 
We apologize for the inconvenience you have experienced and appreciate your patience. 
If you need further clarification, please respond to this email and I should get back to you to walk you through your doubts. 
We truly value and appreciate your understanding.Sincerely, XXXX Wells Fargo person, who was very rude, stated we needed to go back to XXXX and Wells Fargo could not or would not do anything about the charge.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (AR)

In accordance with the FCRA, ( XXXX, XXXX, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I amAttaching identity and proof of address. Also, there are inaccuracies reporting to these accounts.
Consumer complaint received 2023-05-02
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. (PA)

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 U.S.C 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1682 Section 604 A Section 2 : It also states a consumer reporting agency CAN NOT FURNISH AN 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 7 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 had reasonable cause to believe the information is inaccurate