davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-13
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)

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. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

I looked at my transunion credit report on XXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-06-12
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)

Your company is in clear violation of the law. Under 15 USC S1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. 
Did I give you written instructions to furnish this items on my credit report? 
XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX Balance Owed : {$460.00} XXXX XXXX XXXX  XXXX Balance Owed : {$6800.00}
Consumer complaint received 2019-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

I made an airline ticket purchase back in XX/XX/XXXXand it was fully refundable ticket. in fact i purchased another ticket for the same dates but i had to us another credit card company and when i contacted the airline company for a refund i was giving the run around but when I disputed the transaction with XXXX  XXXX  I was refunded the money immediately, but Citi card denied my claim.
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

On XX/XX/XXXX, I sent an investigation letter via certified mail ( XXXX ) regarding a 30 Day Late Payment reporting on my XXXX XXXX account ( XXXX ). This is inaccurate and should not be reported as I had previously entered into forbearance during that time. On XX/XX/XXXX I received notification from the Experian credit bureau stating that the account was properly investigated and reported as accurate but how is that possible if the date of delinquency is inaccurate and inconsistent across the 3 credit agencies? Attached please find supporting documents to my claim.

Additionally, this late payment is in violation of 15 USC 1681s-2 ( F ) and 15 USC 1666b therefore it should be updated to report as ON TIME and the 30 Days Late removed. As per the FCRA, I am entitled to dispute incomplete or inaccurate information on my credit report ( 15 U.S.C. 1681i ). I request that you conduct a thorough investigation into this late payment to verify its accuracy. If this late payment can not be verified, it should be promptly removed from my credit report as stipulated by the FCRA ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ). The FCRA grants me the right to request the method of verification under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Enclosed please find communication from the creditor, XXXX XXXX, verifying my forbearance in XXXX and noting my due date for the next payment would be XX/XX/XXXX. I would like swift and immediate action to correcting this as inaccurately reporting on my credit report has disproportionately impacted my financial stability over the past 4 years.
Consumer complaint received 2024-06-13
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. (CA)

I am writing to express my frustration with the dispute process regarding items on my credit report and I want to dispute this fraudulent information. Despite my diligent efforts to provide valid documentation such as the required FTC report, supporting my position, it seems that my message is not being properly received by your bureau. Let me be clear : I am the one initiating these disputes under my name. 
The items in question are unfamiliar to me and the documents I have submitted are authentic and registered with the appropriate agencies, corroborating my stance. I insist that the record be rectified. It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove these fraudulent accounts, you are not fulfilling this obligation and are exposing me to further harm. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX. XXXX
Consumer complaint received 2024-06-12
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)

I am the author of this complaint. I've tried to apply for an apartment and was denied due to an inaccurate and unlawfully reporting account onto my credit report. XXXX XXXX XXXX XXXXT are reporting multiple balances to different CRAs and has violated the Fair Credit Reporting Act pursuant to 15 USC 1681s-2b and are liable for actual damages and statutory damages of {$1000.00} per violation. I have not been able to apply for housing or a vehicle to commute to work due to this error. I have contacted the company and they respond with frivolous letters that does not address my issues. They claim that I owe a balance that I do not owe and they even admitted to it verbally on a recorded call.
Consumer complaint received 2024-06-13
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. (MA)

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 XXXX 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 correct : XXXX XXXX XXXX Balance Owed : {$3400.00} XXXX XXXX  XXXX Balance Owed : {$3400.00} XXXXXXXX XXXX XXXX Balance Owed : {$3400.00}
Consumer complaint received 2023-09-14
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

Order of Events XX/XX/2023 : 1st Notice I endorsed the bill and sent along with a Letter of Instructions - Re : Claim of Credit, which was sent to the billing department located at : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX. 

XXXX XXXX Tracking # XXXX ( delivered on XX/XX/2023 ) A copy of the endorsed bill was also sent to XXXX XXXX XXXX XXXX located at : XXXXXXXX XXXX XXXX  XXXX, XXXX, VA XXXX, along with a Letter of Instructions - Re : Claim of Credit, a notarized Power of Attorney, and a copy of the Federal Reserve Act Sec. 16, Part 1 & 2. 

USPS Certified Tracking # XXXX ( delivered on XX/XX/2023 ) XX/XX/2023 : XXXX Notice I resent the copy of the endorsed bill to XXXX XXXX XXXX XXXX located at : XXXXXXXX XXXX XXXX XXXX  XXXX, VA XXXX, along with a Letter of Instructions - Re : Opportunity to Cure, a copy of the Federal Reserve Act Sec. 16 and Sec. 29, and included a copy of the delivery confirmation from USPS of the 1st Notice. 

USPS Certified Tracking # XXXX ( delivered on XX/XX/2023 ) XX/XX/2023 : 3rd Notice I resent the copy of the endorsed bill to XXXX XXXX XXXX XXXX located at : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX, along with a Letter of Instructions - Re : Default of Notice, a copy of the Federal Reserve Act Sec. 29, and included a copy of the delivery confirmation from USPS of the 2nd Notice. 

USPS Registered Mail Tracking # XXXX ( delivered on XX/XX/2023 )
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My accounts was never late! I have had exceptional payment history with capital one 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 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..

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!
Consumer complaint received 2023-09-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt within 30 days of receiving your initial communication. Ive requested verification of debt, proof of ownership, and accuracy of reporting in that order.Its been more than 60 calendar days with no response and i'm not waiting any longer. I need the account listed to be removed immediately under the FCRA. I recite these consumers laws and hope the cfpb can enforce these laws to these abusive debt collectors who probably are not even licensed to do business in NY. 
15 U.S CODE 1602 ( P ) - UNAUTHORIZED USE / HARD INQUIRIES 15 U.S CODE 1666 B - LATE PAYMENTS, CHARGEOFFS 15 U.S CODE 1681 15 U.S CODE 1692 ( G ) - COLLECTIONS - VALIDATION OF DEBTS 15 U.S CODE 1692 C ( C )
Consumer complaint received 2024-06-13
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. (IL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Consumer complaint received 2018-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (NY)

I purchased a car and used America Honda Finance to finance the car. I had made all of my car payments on time when I had a catastrophic accident in where my car was totaled. My insurance company paid America Honda Finance the balance owed on the car at the time of the accident in where the insurance company totaled out my car. I then got a collection letter from a third party notifying me that my account with America Honda Finance was delinquent and I needed to make payment arrangements on said account. Once I was notified of this I contacted America Honda Finance to have this issue addressed and to verify they had received payment of the balance owed from my insurance company at which time they confirmed they had. Once this was done I was told that I would have no more issues. I recently checked my credit report and found this not to be the case at which point I sent letters to each perspective bureau and one to America Honda Finance. After 45 days America Honda Finance hadn't responded to this issue and the two credit bureaus stated their investigation showed as completed and that I indeed owed the amount in which was reflected on my credit reports which is simply untrue. I am looking for your assistance in this matter. I have attached all the necessary items needed to clarify this most important of situations.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My account with XXXX XXXX XXXX  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 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. 

XXXX XXXX XXXX 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
Consumer complaint received 2024-06-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NJ)

Subject : Urgent : Data Breach and Unauthorized Access to Business Accounts at Chase Bank XXXX XXXX, XXXX XXXX XXXX XXXX XXXX [ Your Name ] Complaint : This complaint details a severe data security breach and unauthorized access to my XXXX  accounts at Chase Bank. On XX/XX/year>, at XXXX XXXX, a Chase employee named XXXX XXXX at the XXXX, XXXX XXXXXXXX disclosed sensitive information regarding my XXXX accounts ( including XXXX XXXX and others ) to my spouse, [ Wife 's Name ]. 

My spouse is not an authorized user on these accounts and has no legal right to access this confidential information. This blatant disregard for data security protocols constitutes a serious breach of trust and has caused significant personal and financial distress. 

Impact of the Breach : This data leak has led to a marital dispute, with my spouse threatening to exploit this information and potentially harm my business interests. Furthermore, the employee 's actions raise concerns about the overall security of my accounts and the potential for fraudulent activity. 

Actions Taken : I immediately reported the incident to the branch manager, XXXX XXXX, who confirmed a breach at XXXX XXXX but could not identify the source. 
I filed a formal complaint with Chase customer service ( complaint number XXXX ). 
However, I received conflicting information regarding the breach and the employee 's accountability. 
Request for Action : I demand a thorough and immediate investigation into this data breach. Chase Bank must take the following actions : Conduct a comprehensive investigation into the unauthorized access to my accounts. 
Implement appropriate disciplinary action against the employee responsible for this breach. 
Provide a clear explanation of the security measures being taken to prevent future incidents. 
Guarantee the security and integrity of my remaining accounts. 
Additional Information : Attached are copies of any relevant documentation, including notes from my interactions with Chase employees and the complaint reference number. 

I expect a prompt and comprehensive response outlining the steps Chase Bank will take to address this serious matter. I reserve the right to pursue further legal action as necessary and as per guidance of my lawyer.
Consumer complaint received 2024-06-14
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (TX)

Wellsfargo is my bank are first of all here are my XXXX claim numbers : XXXX & XXXX. 

It started on XX/XX/XXXX. I XXXX money to XXXX XXXX, {$650.00} to be exact. She noticed the money hit her account and immediately notified her bank, XXXX XXXX. XXXX proceeded to do a removal of incorrect credits claim for her. The money came out her account and was send back to XXXX. Ive notified my bank, WellsFargo about all this and still nothing has been done about it. 

My first claimed was closed and my 2nd claim is still on going. Every time I call them I am asked to give them 10 days for them to investigate, it is now XX/XX/XXXX. So I am sick and tired of being ask to wait another 10 days and of course I was asked to wait once more when I called them today. I already went after XXXX XXXX and her bank, XXXX. They already did everything they needed to do to released the funds back to XXXX. All that needs to be done, is for WellsFargo to request the funds back XXXX. I already complied and did everything in my power to help my bank recuperate my money asap, but every time I have called them they seem not to know whats going on even after I have provided claim numbers from XXXX so when they request money back from XXXX they can provide those to XXXX and tie all the pieces of this puzzle together and expedite my money to me. I have not been provided with a solution as of yet. I totally understand the XXXX rules and regulations when it comes to get funds back, but in this case money has already been returned and all I am waiting for is for my bank to collect my money and put it back in my account.
Consumer complaint received 2024-06-12
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. (MS)

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's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX : account number : XXXX
Consumer complaint received 2024-06-13
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. (VA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.