davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-03
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. (NY)

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following : XXXX -Address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX -Failed to provide factual information about XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) account # XXXX -inquiry from XXXX -address of XXXX XXXX XXXX XXXX, NJ XXXX -address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX -Failed to provide factual information about XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) account # XXXX -inquiry XXXX XXXX XXXX Equifax -address of XXXX XXXX XXXXXXXX XXXX, NY XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX -address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX -address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX -Address of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX -Address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Consumer complaint received 2024-01-12
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 accounts and inquiries listed below violate my federally protected consumer rights to privacy and confidentiality under 12 CFR part 1022 and 15 U.S.C. 1681 ( a ) ( 4 ). Accounts XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

I did not receive the promised products that I paid for. I used XXXX XXXX and made a payment of {$350.00}. The transaction id is XXXX The transaction was made at XXXX XXXX  Central Time on XXXX 

I was supposed to buy a XXXX XXXX for {$350.00} and the person set me a bag full of bricks instead of a XXXX XXXX. 

I have called Bank of America, and XXXX XXXX they were both not very helpful.
Consumer complaint received 2024-05-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NY)

I filled fraud claim for 2 charges from XXXX XXXX XXXX XXXX for {$230.00} and {$160.00}. I did not do these charges. these are fraud on my account when my card was stolen. the charges have not been taken off my account and i have not received any letters about the fraud claim being approved or denied.
Consumer complaint received 2024-01-12
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. (MD)

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.

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 2024-11-19
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. (GA)

I am writing to notify you that I am a victim of a data breach, which has resulted in fraudulent accounts and unauthorized inquiries being reported on my credit file. Pursuant to 15 USC 1681c- 2 ( a ) and FCRA 605 ( b ), I formally request that the following accounts and inquiries be immediately blocked and deleted from my credit report : Fraudulent Accounts : XXXX. XXXX  - XXXX - XX/XX/XXXX - {$440.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$5300.00} XXXX. XXXX  XXXX - XXXX - XX/XX/XXXX - {$410.00} XXXX. US DEPT ED - XXXX - XX/XX/XXXX - {$5200.00} XXXX. US DEPT ED - XXXX - XX/XX/XXXX - {$2800.00} XXXX. XXXX. XXXX, XXXX - XXXX - XX/XX/XXXX - {$300.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$2000.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$440.00} XXXX. XXXXXXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$0.00} Unauthorized Inquiries : XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2024-01-12
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)

It has come to my attention that the presence of numerous accounts on my credit report may be in violation of the Gramm-Leach-Bliley Act ( GLBA ) and its provisions regarding Non-Personal Information ( NPI ). Per the GLBA, financial institutions are required to provide an initial notice and an annual notice to customers at the establishment of the relationship and thereafter. Furthermore, if NPI has been shared with non-affiliated third parties, customers must be provided with an opt in/opt-out notice, a reasonable way to opt in/opt out, and a reasonable amount of time to exercise the right to opt out before any disclosure or contract is signed most contracts and disclosures states we will not share or sell your personal and financial information abiding the federal law of the Gramm-Leach-Bliley Act ( GLBA ) and its provisions regarding Non-Personal Information ( NPI I assert that I have not received the necessary notices and information regarding the handling of my NPI, as mandated by the GLBA. This lack of compliance raises serious concerns about the privacy and security of my personal and financial information. 

I kindly request a thorough investigation into this matter and expect the immediate removal of the listed accounts from my credit report if found to be in violation of the GLBA. Additionally, I request written proof, not emails or templates, demonstrating the authority to disclose, the right to opt out or opt in, and the contract I signed with your organization with my written signature granting permission for the sharing and selling of my information for monetary gain. 

Failure to comply with this request may result in penalties outlined in the GLBA, including fines and potential legal action. I anticipate your prompt attention to this matter and request a written response detailing the steps taken to rectify the situation and ensure compliance with the GLBA within a reasonable timeframe of 7-14 days.
Consumer complaint received 2024-01-12
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)

My information was involved in the XXXX data breach and I ended up having unauthorized accounts and inquiries listed on my credit report. these accounts are invalid, inaccurate and incorrect. inaccurate credit reports directly impair the efficiency of the banking system and is hurting my reputation because these accounts and inquiries were not authorized by me. I need them removed immediately because this is hurting my chances at getting another mortgage. I included the letters that I sent out more than 30 days ago. I haven't heard from the credit bureaus yet and I know that have to respond within 30 days. this is unfair and I am being taken advantage of. I included my identifying documents with my letters and I need these disputed accounts removed immediately
Consumer complaint received 2023-05-02
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. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : FLAGSHIP CRD XXXX Balance Owed : {$32000.00}, US DEPT ED XXXX Balance Owed : {$0.00}, US DEPT ED XXXX Balance Owed : {$3100.00}, US DEPT ED XXXX Balance Owed : {$8800.00}, US DEPT ED XXXX Balance Owed : {$3100.00}, US DEPT ED XXXX Balance Owed : {$5900.00}, US DEPT ED XXXX Balance Owed XXXX {$6000.00}, US DEPT ED XXXX Balance Owed : {$5900.00}, US DEPT ED XXXX Balance Owed : {$8300.00}, US DEPT ED XXXX Balance Owed : {$5500.00} , US DEPT ED XXXX Balance Owed : {$7800.00}, US DEPT ED XXXX Balance Owed : {$1500.00}
Consumer complaint received 2024-01-12
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. (MT)

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.

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 2023-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : {$32000.00}, US DEPT ED XXXX Balance Owed : {$0.00}, US DEPT ED XXXX Balance Owed : {$3100.00}, US DEPT ED XXXX Balance Owed : {$8800.00}, US DEPT ED XXXX XXXX Owed : {$3100.00}, US DEPT ED XXXX Balance Owed : {$5900.00}, US DEPT ED XXXX Balance Owed XXXX {$6000.00}, US DEPT ED XXXX Balance Owed : {$5900.00}, US DEPT ED XXXX Balance Owed : {$8300.00}, US DEPT ED XXXX Balance Owed : {$5500.00} , US DEPT ED XXXX Balance Owed : {$7800.00}, US DEPT ED XXXX Balance Owed : {$1500.00}
Consumer complaint received 2023-11-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CO)

My cellphone and laptop were stolen on XX/XX/XXXX, on the XXXX the individual who stole them or someone they know was able to get into my Venmo account and sell and create a fake account and transfer money into there account. They are still trying to engage in transactions in the locked Venmo account as just today I received correspondence from Venmo they had my ID and were looking for documentation on my checking account s and credit card accounts.
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. (NC)

I was completely taken aback when I discovered inaccurate accounts on my credit report this morning. I check it regularly, but today, for some reason, there were discrepancies that I couldnt explain. This has left me frustrated and worried, and Im requesting that the documents Ive sent be carefully reviewed to prevent such an issue from recurring.
Consumer complaint received 2024-05-02
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. (FL)

TranUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear TransUnion, There is a report in my consumer report that is a result of identity theft. I did not provide written permission or instructions identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to be blocked is not being made in error ; nor is my request to block being made on the basis of a material representation of the fact by me relevant to the request to block the identified transaction. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XX/XX/XXXX XXXX XXXX and XX/XX/XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank you XXXX XXXX
Consumer complaint received 2024-05-01
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I would like to dispute the following Charge Off on my credit account : XXXXA This is a loan I had through XXXX and was making regular monthly payments. XXXX then sold this loan to a third party, and I was not afforded proper notification this loan was sold nor to which institution. The new institution failed to contact me to resume payments. As such, the account went unpaid until it was charged-off. This has negatively impacted my credit and impaired my ability to obtain loans and credit cards. 

Additionally, the XXXX  clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! The company also failed to provide me with a 1099-C for tax purposes.

Per 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies : 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 2023-05-02
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. (TX)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX Original creditor XXXX XXXX  XXXX Balance : {$51.00} XXXX XXXX  XXXX Balance : {$51.00} XXXX XXXX  XXXX Balance : {$51.00} XXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX 5 Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My research on FCRA 605 indicates that credit bureaus are required by law to remove and eliminate any items that are discovered to have been opened as a result of identity theft. Again, it looks that my credit with you has been compromised. The reported items are giving me a great deal of mental & financial stress, which is affecting my ability to sleep, causing issues at work, and adding unneeded stress to my home life. The following items must be taken away by CREDIT BUREAUS : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX CARD XXXX Balance : {$2500.00} ; XXXX XXXX XXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX Balance : {$11000.00}.
Consumer complaint received 2024-01-12
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. (CA)

I assert my rights under the Fair Credit Reporting Act ( FCRA ) and wish to address concerns regarding the reporting of my information by XXXX, XXXX, and TransUnion. According to 15 USC 1681 section 604, consumer reporting agencies are allowed to furnish a consumer report only with the written instructions of the consumer. I want to make it clear that I have not provided written consent for the furnishing of my information to credit agencies, and any consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 

Moreover, as per 15 U.S. Code 1681s2 ( A ) ( 1 ), a person should not furnish any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. I believe that the reporting agencies may be in violation of this requirement.

Additionally, financial institutions, as outlined in 15 USC 6802 ( b ) ( c ), are obligated to disclose to consumers their right to exercise a nondisclosure option. I was not informed of this right, which raises concerns about compliance with the law. 

I am also opting out of the reporting services, as permitted by 12 CFR 1016.7. It is important that my concerns regarding the accuracy and disclosure of my information are addressed promptly and appropriately.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is XXXX XXXX and I am submitting this CFPB Complaint to dispute the fraudulent account on my credit file, and I demand its immediate and unequivocal removal from my credit report. As you are well aware, under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent account are clearly inaccurate, and its presence is causing significant harm to my creditworthiness. Let me be perfectly clear : I have already reported this fraudulent activity to the appropriate authorities and provided all necessary documentation to prove that these account are fraudulent. I have also requested that the creditors responsible for these fraudulent account investigate the matter and remove them from my credit file. Despite these efforts, these fraudulent account still appear on my credit report, causing me extreme frustration and financial hardship. I need the following account removed from my Credit File as soon as possible : XXXX  XXXX XXXX Date opened XX/XX/2017 Balance {$20000.00}. I expect a prompt response from you within 30 days of receipt of this letter, as required under the FCRA. Make no mistake, I will not hesitate to pursue all available legal options to protect my rights and interests.
Consumer complaint received 2024-05-01
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/20XXXX XXXX XXXX XXXX XXXX placed a collection on my account for {$9700.00} - I have never done business with the original creditor : XXXX XXXX XXXX XXXXXXXX XXXX and they have linked this debt to my name that does not belong to me, this is not my debt. I continue to be harassed by different debt collectors on a monthly basis for a debt that is not mine which is extremely illegal according to the following laws 15 U.S. Code 1692b - Acquisition of location information 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692d - Harassment or abuse. My information continues to be sold & shared illegally which is a violation of my right.