davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-28
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. (NC)

I recently reviewed my credit profile and noticed inaccuracies and false accusations. 
It is my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

I AM NOW enlisting my consumer rights to compel you to ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. 
Failure to take appropriate actions to remedy this matter will lead to my civil right to file a lawsuit seeking monetary resolution via a court in my jurisdiction. 

Drawing from my research and complete comprehension You nor any entity is permitted to keep any noncompliant information, particularly upon it being challenging any or all of the excerpts, dated assignments, ledger balances, audited details, documents of identification, each of the XXXX XXXX XXXX XXXX  statements, pay status codes, alpha-/ numeric-/ and or alphanumeric source codes. Further certificate firmly every single one even each any and or all of the minimal five ( 5 ) portioned personal identifiers, and even the unabbreviated XXXX pieces of confirmation to collect. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As you are aware, federal and my state laws dictate that all claims be physically proven to its 100 % truthfulness, 100 % correctness, 100 % completeness, 100 % timeliness and 100 % in compliance otherwise every single item even each or all of the relatedregulations, mentioned or that if any or each item being reported is challenged for its legal reportability.I request verifiable physical evidence to prove the existence and permissible usage of the account. If this evidence is not provided, I expect the account to be removed from the report. You have my authorization to send me physical documentation of your actions and an updated credit report.
Consumer complaint received 2023-08-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Harvard Collections, LLC (FL)

I first learned of this Collection in XX/XX/XXXX when it appeared on my credit report. I was unable to find much information and unable to get information from Harvard Collections. I filed disputes with the credit bureaus. The collection was removed from my credit report in XX/XX/XXXX. I have not received so much as a phone call, let alone a letter or bill from Harvard Collection Service between XX/XX/XXXX and today. XX/XX/XXXX, Harvard Collection Service once again puts this same Collection on my Credit Report, which apparently stems from an alleged outstanding bill with the State of Illinois and has been an unpaid {$20.00} Collection since XX/XX/XXXX ( original creditor and date of XX/XX/XXXX finally showed up this time around. ) First of all I have not lived in the state of Illinois since XX/XX/XXXX. I was never aware of an outstanding bill of any type with the state and do not know the original origin of this outstanding bill. How does it take over 14 years to appear as a Collection on my credit report? 

Second, I filed XXXX XXXX Bankruptcy in XX/XX/XXXX, which was discharged XX/XX/XXXX. If I had known of this debt and was unable to pay this debt, it would have been included in the bankruptcy. 

Third, as previously stated, I have never received a phone call, bill, or letter about this alleged debt/collection. I can get no information from the company. I dont understand how a debt collection agency can refuse to provide any information but is able to report these things as a Collection on my credit report
Consumer complaint received 2024-05-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me.
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Dear CFPB, I am writing to formally file a complaint against XXXX, Experian, XXXX, and XXXX for their continued reporting of inaccurate bankruptcy information on my credit reports, which constitutes a violation of consumer protection laws. 

Despite multiple attempts to resolve this matter directly with these credit bureaus, the incorrect information remains on my credit reports. The bankruptcy information being reported does not match my name or address, indicating a clear error. I have submitted disputes to each of these credit bureaus on several occasions, yet they have failed to address my concerns and correct the inaccuracies. 

According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to ensure the accuracy and completeness of the information they report. The presence of this erroneous bankruptcy information has adversely affected my creditworthiness and caused significant distress. The failure of XXXX, Experian, XXXX, and XXXX to rectify this situation despite repeated requests is not only negligent but also a breach of my rights under the FCRA
Consumer complaint received 2024-05-28
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. (SC)

I asked multiple times for you to provide documentation for the listed accounts reinvestigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX You refused and did not remove them from my credit report even after being shown proof of inaccurate and missing information. Please be advised the Notice of Impending Litigation is attached to this complaint, another copy has been mailed to the address and name of the registered agent, my ID, and the previous proof of missing and inaccurate information. The Litigation process has begun.
Consumer complaint received 2023-09-18
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)

I have been violated by the XXXX, XXXX and Trans Union reporting agencies. My Information was given to them without my consent. 
Saying I owe a credit card debt. This debt is not mine. Not only is it not mine my privacy has been exposed and used by the credit reporting agencies. This has caused me a lose in founds. A lowering of my credit score which they have absolutely not right in doing. It has caused me much embarrassment and heart ship. There are many USC codes they have violated along with XXXX XXXX As well. I have already sent XXXX XXXX an identity theft repot as of 2 weeks ago. Ive also done a CFPB complaint on them as well. I was never notified of anyone running my credit nor was I notified about this account before being placed on my credit report. I demand XXXX, XXXX and Trans Union to remove the XXXX XXXX  information off my report and file along with the hard inquiry immediately. 
The worst part about this mess is none of the reporting agencies have the same amount or dates. The hard inquiry shows XXXX XXXX. The card was placed as an account on XXXX XXXX. How does that even make sense. I have pictures to prove this.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify is accurate : XXXX Acct # XXXX
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

To whom this may concern, my name is XXXX XXXX XXXX, and I've taken the time to compose this message. Per 15 US Code 1681S-2 ( a ) ( 1 ) ( a ) & ( c ) along with 15 USC 1681-B of the Federal Credit Reporting Act ( FCRA ) the accounts that are listed in this account should not be reflected on my consumer reports as they violate my rights as a federally protected consumer. Per the supplied codes in this statement ; they summarize that it is NON-PERMISSIBLE for a creditor to report anything, under any circumstances without the agreement and written instructions of the consumer. I have not given these creditors my instruction or permission to report anything on my behalf. No consent constitutes identity theft in this matter. I am demanding the immediate deletion and removal of these listed accounts immediately. Additional Unauthorized hard inquires : XXXXXXXX XXXX XXXXXXXX XXXX,. XXXX XXXX
Consumer complaint received 2024-05-28
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)

I am a victim of identity theft. Please delete or remove these items on my behalf.

These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (IL)

I DID AUTHORIZE THESE INQUIRES 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2024-05-28
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. (SC)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( year of XXXX since there was a large payment made in XXXX of XXXX ) Im now requesting you investigate this account and update these payments to paid on time immediately.Thank you for your understanding and prompt action.
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: Experian Information Solutions Inc. (OK)

in accordance with the fair Credit Reporting act XXXX Account XXXX XXXXXXXX Acconunt XXXX XXXX Account XXXX XXXXXXXX Acconunt XXXX XXXXXXXX Account XXXX XXXXXXXX Acconunt XXXX XXXXXXXX Account XXXX XXXX Acconunt XXXX XXXXXXXX Has violated my rights... 

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.
Consumer complaint received 2023-06-28
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (CT)

I was scammed {$11000.00} from XXXX to XXXX from a scammer identified as a woman named XXXX XXXX. It was a pig butchering scam. The scammer convinced me to invest in a platform called XXXX. After thinking I was making profits, I realized it was a scam. 
I was denied a refund from Wells Fargo. I recently filed a few claims and they won't refund me the transactions of the scam. There were three. One was for {$100.00}, one for {$1000.00} and one for {$8000.00}. That's {$9100.00}. 
Another transaction was through XXXX XXXX XXXX XXXX for {$2000.00}. I filed a claim dispute with them, showed proof that I was scammed and they decided to reimburse me my money. 
I'm confused on why XXXX XXXX XXXX XXXX refunded me the money but Wells Fargo didn't. If I don't get my money back from Wells Fargo, I will transfer my funds to XXXX XXXX XXXX XXXX. I've been a loyal customer at Wells Fargo since 2010, and believe I deserve a refund. Please help me get my {$9100.00} back. If not I'll take my funds to XXXX XXXX XXXX XXXX and not do any business with Wells Fargo anymore.
Consumer complaint received 2024-05-29
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 168 XXXX XXXX XXXX and XXXX XXXX XXXX has violated my rights. 
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
Consumer complaint received 2024-06-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (NC)

Unable to access account and unable to update information or reach the company directly for support. 

I have a new phone number and can not update account. 
I attempted an account recovery unsuccessfully via the website, Coinbase.com Next, I tried to contact customer service and attempted every phone-tree option only to get redirected back to login for every option Coinbase has layered so much security it is incredibly difficult to recover your account and is impossible to speak to anyone directly for support. 

Due to this, I am unable to access my account or funds.
Consumer complaint received 2023-06-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

The accounts reported by XXXX XXXX XXXX XXXX ( a credit card in the amount of {$7500.00} and a personal loan over {$10000.00} ) were formally requested under FCRA guidelines on XX/XX/2023 to be validated. The debtor refused. The personal loan was a motorcycle loan- the debtor requested the payoff letter from them showing verbatim paid in full be provided, it was. Still they refuse to remove these fraudulently reported accounts. As I have followed federal laws and regulations outlined the the FCRA and the debtor has far surpassed their legally allotted 30 days to provide validation these accounts can not legally stay on my credit report. Please remove them promptly. All attempts to get the debtor to cooperate have had no result.
Consumer complaint received 2024-06-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

On XX/XX/2024 Unauthorized, Suspicious and Fraudulent activity was detected by the Credit Bureaus, indicating that the company was reporting false information and monthly inquiry my credit profile without my consent and authorization, This company was reporting an address that is not related to me. This company was reporting a debt that is result of Identity Theft due to XXXX XXXX XXXX. The activity indicates that this company is performing a fraudulent scheme along with others 3rd parties companies.
Consumer complaint received 2019-04-28
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. (IL)

My identity has been compromised, and that lead to unauthorized accounts on my credit report, accounts such as 1 ) XXXX XXXX   {$490.00} 2 ) XXXX XXXX XXXX {$270.00} 3 ) XXXX XXXX XXXX 4 )  XXXX XXXX XXXX {$390.00} 5 ) XXXX/  XXXX XXXX XXXX Please investigate this and send me the Method of Verification used, or remove the accounts immediately.
Consumer complaint received 2024-06-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/year>, Chase has closed my bank account but has never returned me the remaining balance inside the account, which is {$4600.00}. I have reached out to Chase from different branches and they said that theres going to be a check sent to me but I never received it. I then tried to contact them multiple times but still getting the same answer. I hope to get the check they said they were sending me.
Consumer complaint received 2024-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (MI)

On XX/XX/XXXX my Robinhood spending account was credited {$1100.00} from a dispute that was on going. I have removed all restrictions from my account and now they are telling me that they are not able to verify the source of funds when they are the ones who credited my account. In the email it states that one restrictions are removed i would be able to ttransfer my funds to a external account or be mailed a check. I've sent multiple emails stating that i would like a check and only get the run around. I have supplied shots of emails and proof of this company blatant lies.
Consumer complaint received 2023-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (IN)

My problem originated in XX/XX/XXXXXXXX  when my Chase credit card number was changed due to an unrelated fraud incident. This resulted in multple " purchases '' and " refunds '' to my credit card statements. I have made several attempts to reconcile this problem with Chase customer Service representatives without success. Most recenly, I talked with XXXX on XX/XX/XXXXXXXX  and XXXX on XX/XX/XXXX. 

In summary, I made two donations to XXXX XXXX XXXX XXXX in XXXX and XX/XX/XXXXXXXX  for a total donation of {$2000.00}. The problem is that my charge statements reflect a total charge of {$3000.00}. The Foundation sent me backup data in XXXX to document that they had only received a total of {$2000.00}. Therefore, there is a discrepency of {$1000.00} that is owed to me by Chase. 

I have sent all the relevant informaton to Chase several times without success. Most recently, I resent a letter ( XX/XX/XXXXXXXX  ) with documentation illustrating that I had been charged {$3000.00} for the foundation and that the foundation had only received {$2000.00}. 

I have been unable to get Chase to address this problem.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (TX)

My account with the company and i was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. 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 USC Code 1681eb. 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 MONTHS REPORTING LATE 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 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