davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act, 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. secondly, I have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. 
Incorrect credit reporting, I have an account that is not correctly reported. 
Account Name : XXXX XXXX Account number : XXXX You have this account balance as {$2300.00} but the current account balance is {$140.00} I have attached a screenshot of this account information below
Consumer complaint received 2024-06-11
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

. I am a XXXX XXXX XXXX widow, living on a state pension. I have been a loyal customer of my local branch of Bank of America since XXXX. I am appealing their denial of my claim XXXX XXXX. 
On XX/XX/XXXX, I allowed use of my computer to a stranger, calling from XXXX.He said he was from XXXX and that I was entitled to a refund, but needed to remove some software. When I got back on my computer, I noticed that he had set up a XXXX transfer of {$2200.00} from my Bank of America checking account to : XXXX XXXX XXXX ; confirmation number XXXX I immediately tried to contact Bank of America, but they have no 24/7 direct line to report fraud, so I had to wait until XXXX XXXX on XX/XX/XXXX to file my claim. The woman I spoke to tried to calm me down and said not to worry, while it was being investigated, I would get a temporary credit within 10 days. 
I went into my local branch and proceeded to open a new checking account and got a temporary new ATM card. 
On Monday, XX/XX/XXXX, I filed fraud alerts with the XXXXhree credit bureaus. 
On XX/XX/XXXX, I went back to my local branch to close the old account. I asked the rep about my fraud claim and she called corporate and learned I had been denied. A letter will be forthcoming. Upon arriving home, I called the fraud line and asked about my credit. A rep named XXXX explained that it was denied because they had sent me a text about the XXXX transfer and received authorization to proceed. I never received a text nor did I approve of it. She said the text was sent at XXXX XXXX on XX/XX/XXXX. 
I then contacted XXXX to see if they could check on any text received on my phone at that time. We were unsuccessful in restoring any texts from that day but their rep XXXX did tell me, I see that here was a message that was received on XX/XX/XXXX at XXXX. It was sent from XXXX. For security & privacy we are unable to view what the message says. If there was an approval sent, it is obvious that my cell phone was spoofed. I am willing to sign a notarized statement swearing that I never signed up or authorized this XXXX payment of {$2200.00}. 
As a customer of 57 years at Bank of America, I am upset that they will not uphold their promise of restoring my funds,, since they were obviously as much a victim of fraud as I was. 
According to their web site, = : Q. Do you get your money back if your bank account is hacked? 
A. Federal law says that if someone takes money from your bank account you will get all of your money back if you notify your financial institution within 60 days after the fraudulent transaction appears on your bank statement
Consumer complaint received 2024-06-11
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-11
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)

Why until now these negative accoounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-21
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: Experian Information Solutions Inc. (WI)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Consumer complaint received 2019-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: JPMORGAN CHASE & CO. (NV)

My Chase credit card online acct has a link to " Credit Journey '' and I have received several emails either congratulating me for enrolling or providing 'terms and conditions ', etc. I never requested, enrolled in, or authorized this service. I don't want it and I don't need it and will never use a service like this. I called Chase about this and they referred me to " Credit Journey '' who told me to sign in to the credit journey  acct to cancel. I told them I was unable to sign in because I never enrolled or registered with them. Neither Chase nor  Credit Journey will ( or know how to ) resolve this.
Consumer complaint received 2024-06-11
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. (PA)

According to 15 U.S Code 1681s-2 ( A ) ( 1 ) which states a person shall not furnish any information relating to a consumer to any consumer reporting agency. Which shows by this law my information between creditor and I should be private and the information that was shared to and attain by this credit reporting company is a breach of confidentiality and which was done in a illegal manner. The information that they have and sharing publicly is without my consent and should not be made public. I do not want my information be shared by public company so I want every negative report be removed immediately because its ruining my public image. If not removed I will have to take legal actions.
Consumer complaint received 2024-06-11
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. (TX)

Despite my numerous attempts, I have been unable to resolve the issue of fraudulent credit inquiries appearing on my consumer credit report. These inquiries have absolutely no connection to me whatsoever, and I bear no responsibility for them. Their presence has caused me significant mental and financial distress. As a victim of identity theft, I may have no choice but to pursue legal action if this matter is not properly resolved. These inaccurate and fraudulent entries on my credit report have hindered my ability to purchase my dream home and provide for my family 's needs, substantially impacting my financial well-being. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), outlining this issue and seeking resolution.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I found out the creditor didn't give the required XXXX notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am filing this complaint personally. After examining my credit report, I noticed listings for supposed late payments. However, more than 30 days ago, I sent correspondence regarding these entries, but I have not received a response, and they have failed to provide adequate validation to support these alleged late payments. I kindly request your help in resolving this issue.
Consumer complaint received 2024-06-11
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. (FL)

Dispute of Incorrect Credit Reporting - Account : XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of information contained in my credit report. Despite multiple disputes with the credit bureaus, the inaccurate information remains uncorrected. As such, I am escalating this issue through the Consumer Financial Protection Bureau for immediate and thorough investigation and resolution. 

The account in question is reported as XXXX. The details are as follows : Original Creditor : XXXX XXXX XXXX  Original Account Number : XXXX Current Owner : XXXX XXXX XXXX XXXX XXXX. 

I have enclosed a letter dated XX/XX/year>, from XXXX XXXX XXXX ( XXXX  ), the current owner of the debt. The letter confirms that the account has been closed, collections have ceased, and I have no further obligation regarding this account. They sent this letter after I asked for debt validation. Given this confirmation, the continued reporting of this account as a charge-off by XXXX on my credit report is both inaccurate and misleading. 

As per the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to report only accurate and complete information. Specifically, 15 U.S. Code 1681i ( a ) requires that credit reporting agencies conduct a reasonable reinvestigation to ensure the accuracy of the disputed information. Furthermore, 15 U.S. Code 1681s-2 prohibits furnishers of information from reporting information they know or have reasonable cause to believe is inaccurate. 

Given that the debt has been resolved as per the attached correspondence, the continued reporting of this account by XXXX as a potentially negative item violates the FCRA. I request the immediate removal of this inaccurate account from my credit report. 

Enclosures : XXXX XXXX XXXX XXXX dated XX/XX/year> I expect the credit bureaus to comply with FCRA guidelines and remove this erroneous account from my credit report. Please acknowledge receipt of this letter and inform me of the actions taken to rectify this issue. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-06-11
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

Deposited check with US Bank XXXX XXXX XXXX XXXX in XXXX CA XXXX. The teller asked me if I wanted to cash check and I said " No ''. She did not tell me the funds would not be available for 24 hrs. When I noticed the funds not available, I called US Bank and was told I would have to return to bank. I called bank and was told to return to cash check then deposit cash to make funds available. So I went to the bank, having to leave work, and then was told the check is already in process so I can not cash it and then deposit the cash so as to make available to me today. So then I asked could they make 30 % of it available so I could get to the dentist today and make my co payment which is something I desperately need to do to relieve my dental pain and prevent further XXXX. I was told no. So then I asked to close my account and was told I couldnt do that while the check was pending. So now Im just in pain, cant get me dental work done, and for no reason at all other than the bank refuses to make funds available on a check that is not held.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Hello, i am complaining here because i have contacting XXXX reguarding unauthorized usage of my credit, XXXX and XXXX have resolved this issue and recieved my complain, XXXX has not, I have never gave any authorization to have my credit ran by any of these companys, and I have kept all my information secure, I also have a fraud alert set up, You need to remove these fraudulent information immediately from my credit report as I am a victom of identity theft. Resolve in a timely matter. 1st ( unauthorized company inquiry ) - CREDIT INFORMATION S ( Date XXXX ) XXXX ( unauthorized company inquiry ) XXXX  XXXX CARD ( DATE XXXX ) I HAVE ALSO CONTACTED XXXX  XXXX AND LET THEM KNOW ABOUT TJE INFORMATION AS SOON AS I GOT THE NOTIFICATION TOLD THEM TO IMMEDIATELY CANCEL THE CARD THAT IT WAS DONE FRAUDULENT AND THEY CLOSED IT IMMEDIATELY AND WE MADE A INVESTIGATION CLAIM REMOVE THESE UNAUTHORIZED INQUIRES ASAP THAT WERE PROCESSED FRAUDULENTLY AND INDENTITY THEFT RESOLVE THIS ASAP PLS.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.
Consumer complaint received 2024-06-11
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. (AL)

I am requesting that review my credit profile and identify any inaccuracies in the listed accounts. I understand that complete compliant reporting is mandatory, and any disputed allegations associated with a non-compliant account are not compliant if not proven to be true, correct, complete, timely, or mine. I request that remove any challenged or disputed misinformation immediately by fully deleting each instance, including any aspects of the unproven reported chicanery. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX I do not authorize the bureau to report non-compliant information and you must comply. 

I am now enacting my consumer and civil rights to demand that XXXX remove any non-compliant information through full and permanent deletion or provide adequate testimony to document your compliance with XXXX XXXX data formatted reporting regulation standards. Failure to remedy this will lead to my rightful civil actions to seek monetary resolution via a court in my jurisdiction. 

Please provide information on how you have verified these items, along with physical proof of verification. No entity may include adverse information that lacks physically verified validity of truth, accuracy, completeness, and compliance to XXXX XXXX standards. I appreciate your attention and cooperation in bringing my credit report into 100 % complete compliance.
Consumer complaint received 2024-06-11
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)

PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing to dispute an item on my credit report issued by XXXX XXXX. Upon reviewing my credit report, I noticed an entry that I believe to be inaccurate and damaging to my creditworthiness. The details of the disputed item are as follows : XXXX XXXX XXXX Balance Owed : {$2200.00}
Consumer complaint received 2019-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC (CA)

Hello. Thank you for taking my complaint and assisting me with this matter. The reason for my dispute is because I am having a very difficult time with a collector who has already admitted the collection account they are working is not valid. 

Back on XX/XX/XXXX I hired a firm to assist me with dealing with a collector because they were collecting an amount I know is not owed. To make this complaint short yet concise, since XX/XX/XXXX, we have been attempting to have this collector prove that this debt is real. We've asked for itemization and contracts and have technically received both. The problem is that their own contract proves this debt is not legitimate. 

After 2 months and several conversations with multiple collectors later, my representative spoke with a collections manager named XXXX XXXX at XXXX XXXX. XXXX XXXX is the name of the collection agency. XXXX XXXX admitted in their conversation on XX/XX/XXXX that the itemization was faulty due to the language in the contract. XXXX XXXX is charging me a forfeiture of deposit fee for the same amount of my deposit even though I left the apartments in good standing and was even given a {$250.00} pet deposit reimbursement back for doing so. Because they are charging me a forfeiture of deposit fee, instead of deducting minor cleaning charges and reimbursing me the remainder of my normal deposit, they are now charging me {$350.00}. On XX/XX/XXXX, the account had been in dispute for 51 days through my representative. Because the F.D.C.P.A. only allows 30 days to validate the debt which in this case it wasn't since the contract did not support the itemized charges, my representative demanded a removal within 24 hours or this complaint would be filed. XXXX said she would ask questions to her client and call him back. She never did. 

Today, my representative gave them one last chance to remove the account from the credit report since no response or correction or proof of any kind had been provided, and now the manager XXXX XXXX is not around to adhere to the F.D.C.P.A. and apparently no one else in the office can assist with this. It has now been over 60 days and this account still lingers on my credit report. 

I am asking that you assist me in getting this company to follow the law and stop collecting a debt they already admitted isn't legitimate.