davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-06
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. (PA)

XXXX XXXX XXXX of birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, PA XXXX Telephone number : XXXX XX/XX/XXXX Dear Credit Reporting Agency, I am writing to dispute the following information that appears on my consumer report : Dispute 1 Account Number : XXXX Account Name : XXXX XXXX XXXX of disputed information : XXXX XXXX  Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute 2 Inquiry Name : XXXX XXXX XXXX  XXXX Inquiry Date : XXXX XXXX, XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute 3 Inquiry Name : XXXX XXXXXXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission.
Consumer complaint received 2023-06-15
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. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 2023-03-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC (SC)

received medical bill from the collection agency national recovery agency mailed a letter to them on XX/XX/2023 called to see if they got it on XX/XX/2023 this is the day the credit agency alerted me that this was already on my credit. I had not received any further notification on the validation of this debt. I am not sure what is going on but they aren't following the cfpb 1006.34., they need to get educated on following the law with each letter and roman numeral.I talked to an agency on XX/XX/2023 to first find out why the account had already hit collections without me getting any validation and it was XX/XX/2023. I want this removed from credit report because their practices are not serving me well.
Consumer complaint received 2023-11-06
Product: Credit 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: NAVY FEDERAL CREDIT UNION (NV)

I filed a credit card fraud claim in the amount of {$6400.00} and {$940.00} on XXXX and XXXX of the year XXXX. But recently I have gotten a letter in the mail saying that my claim was denied and that I owe that amount on my credit card starting XX/XX/. Navy Federal has not found any of the claims valid even though I had XXXX service and XXXX ability to use my credit card because I am XXXX XXXX so I get XXXX to wildfires two weeks at a time. The company has done nothing to resolve this except by putting me in serious debt.
Consumer complaint received 2024-01-04
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. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




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  ( Original Creditor : XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2024-04-04
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. (MI)

espite ample evidence of violations presented, Experian has opted not to remove the debt, despite no changes being made to the report. Experian Violations : 1. Failure to Provide Comprehensive Verification ( Code : XXXX ) : Experian neglected to conduct a reasonable reinvestigation within the mandated timeframe, as demonstrated by insufficient documentation from XXXX XXXX XXXX. This breaches FCRA Section 611 ( a ) ( 1 ) ( A ) and the corresponding Metro 2 standard, Field 76. 2. Delay in Responding ( Code : XXXX ) : Experian failed to respond within a reasonable period despite receipt of my letter dated XX/XX/year>, thereby violating FCRA Section 611 ( a ) ( 1 ) ( A ) and the Metro 2 standard, Field 79. XXXX XXXX XXXX Violations : 1. Failure to Provide Comprehensive Verification ( Code : XXXX ) : XXXX XXXX XXXX 's documentation inadequately links the debt to me, contravening FCRA Section 611 ( a ) ( 1 ) ( B ) and the Metro 2 standard, Field 76. 2. Neglecting to Address Dispute ( Code : XXXX ) : XXXX XXXX XXXX failed to promptly investigate and address my dispute, breaching FCRA Section 611 ( a ) ( 2 ) and the corresponding Metro 2 standard. 3. Shifting Burden of Proof to Consumer ( Code : XXXX ) : XXXX XXXX XXXX wrongly shifted the burden of proof to me, violating FCRA Section 611 ( a ) ( 6 ) and its Metro 2 counterpart. i have uploaded proof
Consumer complaint received 2024-01-04
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. (NY)

I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2024-04-04
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (DC)

On XX/XX/2024 I called Experian Credit Reporting to request they reverse charges for Experian XXXX XXXX : {$24.00} per month. 

I asked Experian to reverse the charges and cancel the membership for Experian XXXX, they said they will cancel the membership but not reverse the charges. 

They say they will not charge me anymore.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This organization is in violation of 15 USC 1692 Subchapter V. Repeatedly request that organization to remove this alleged debt from my credit report. I the consumer can not be denied an extension of my own credit. This organization is in violation of Furnishing certain deceptive forms. 15 USC 1692 ( j ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. The false representation or implication that documents are legal process. I also requested that all non-mailable addresses be removed due to the fact that I'm unable to receive mail there. TransUnion is in violation of Privacy Act of 1974. Requested to have all charge-offs removed from account. A charge off is considered a certificate of indebtness which is factored to be considered income and must be removed. Law states it is illegal to report transaction history.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SD)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-04-04
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. (IN)

FCRA 605B, in my interpretation, demands the exclusion of any mistaken accounts from my credit report. Would you mind examining the paperwork? Certain accounts listed are inaccurate in terms of reporting, amounts, and dates.
Consumer complaint received 2024-01-04
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)

Per the FCRA, I XXXX XXXX XXXX, as a federally protected consumer, I am now opting out of any and all authorization, I the consumer may have given you written, unwritten, verbal, and non-verbal per 15 USC 6802 to report my information to a third-party agency effective immediately and indefinitely. Per 12 CFR 1016.7, I exercise the right to opt out at any time. 
The Privacy Act of 1974 protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their record by Federal Agencies.

Please update my account by REMOVING. The account has been charged off and that is now considered a certificate of indebtedness and can not be reported to my credit report. 
I am requesting compensation of {$1000.00} per violation. According to the Fair Credit Reporting Act 15 USC 1681 section 602a states permissible purposes of consumer reports, you can not report transaction history. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, XXXX, and Transunion are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information is not shared per 15 USC 6801.

15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or { {$1000.00} }, whichever is greater. 313.1 Purpose and scope. ( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15. 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 
I am requesting immediate removal from all XXXX of my credit reports. 
Please respond within 30 days or I will be filing a complaint with the Consumer Financial Protection Bureau. 
Best regards, XXXX XXXX
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

There are several names and addresses being reported all addresses other than XXXX XXXX XXXX XXXX are not my addresses or names my name is XXXX XXXX XXXX all other names are not mines they are 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 arms place and so forth
Consumer complaint received 2024-04-04
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. (MI)

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 : XXXXXXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2023-06-15
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. (VA)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : 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 XXXX XXXX XXXX Incorrect XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, FL, XXXX
Consumer complaint received 2023-05-15
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: DISCOVER BANK (FL)

Discovery credit card authorized without my permission a charge from an advertising company XXXX to which I had notified " NO RENEWAL '' This advertising company had my old card number since a year before I had to report it to Discovery Card as lost, but despite the fact that this advertising company " XXXX '' did not have my new card number, Discovery card still charged it as a " recurring charge ''. The first payment was on the day of the subscription XX/XX/XXXX, second payment XX/XX/XXXX, I do not consider these as recurring payments. 
That same day that the charge entered my credit card, Discovery Card sent me a text asking me if I authorized the transaction and I immediately replied " NO '', then Discovery Card sent me an email asking me if I authorized the transaction, and I also replied that " NO '' and clarify that it was fraudulent. Even so, the Discovery Card authorized the transaction. I've been sending texts and phone calls to the vendor " XXXX '' ( advertising company ) and with Discovery Card for two months. The seller never responds to emails or phone calls, only once did they respond that I have to complain to Discovery because the payment did not go through. Discovery Card closed my dispute because they claim that the vendor has shown proof that I use the service. This is completely false because I never renewed this service nor has it been used since it expired.
Consumer complaint received 2023-06-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (OK)

On XX/XX/XXXX, my customer out of XXXX XXXX, Minnesota was wiring {$21000.00} to my company for work provided here in Oklahoma XXXX. Friday, XX/XX/XXXX the money was not in my checking account, so my office XXXX contacted A/R at ( XXXX ) our customer to advise it still was not showing up that it had been sent. XXXX XXXX advised that the funds were not withdrawn until overnight Thursday, so it should be showing up by Monday, XXXX. The funds never appeared. Tuesday, XX/XX/XXXX contacted customer again and stated he had wired funds to the account that was emailed to him on XX/XX/XXXX. We did not send the customer an email with that information, so after he provided us with an email showing from ( our email address with the bank routing and account number ) we immediately knew this was fraud. Immediately contacted bank about the fraud and customer to do a " Request Reversal '' since it was sent to the wrong account number. Called Chase again XX/XX/XXXX to find out we needed to do. Chase stated since the funds never appeared in " XXXX '' checking account there was nothing they could do. We asked why the funds were wired to an account that did not match our name and address, and Chase representative stated they do not check that, ( even though it is required on all domestic wire transfers ). Another call to local Chase bank, spoke to XXXX XX/XX/XXXX, he then advised nothing they could do. We would need to get a lawyer at this point, even though during this time Chase had already investigated and admitted they did find the wire as XXXX. 
Also on XX/XX/XXXX, I contacted my email XXXX and IT personnel at XXXX and they could not find any email that was sent on XX/XX/XXXX from my IP address. So either they " Mirrored '' my email or my customers has not been found out.. 

So my complaint is that JP Morgan Chase Bank did not and admitted they did not take the proper steps and matching the wire transfer with our company name and address. 
Chase is responsible for the Request Reversal so that their Bank can get customers money back and then pay My company.
Consumer complaint received 2024-04-04
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. (OH)

I recently check my credit score and found accounts that I have never signed up for. these accounts were : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX  XXXX ( Bank ) XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name and addresses are in correct on all three larger Credit bureaus XXXX Transunion and XXXX My name is : XXXX XXXX address is : XXXX XXXX XXXX XXXX, Texas XXXX last XXXX social : XXXX
Consumer complaint received 2024-01-04
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. (NY)

It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report.