davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-12
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. (NY)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Portfolio Recovery Associates Account # XXXX is attempting to collect on a debt of {$550.00} that I do not owe to them. I have requested information pertaining to the debt and have yet to receive any documentation validating debt and said amount. They continue to call and try to collect on said debt.
Consumer complaint received 2023-12-13
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 recently found out that XXXX XXXX XXXX XXXX placed a charge off on my credit report in XXXX XXXX XXXX However, I have never opened an account with XXXX XXXX XXXX XXXX and have tried disputing this fraud account through the credit bureaus, all of which were denied saying that " The company that reported the information has certified that the information is accurate. This item was not changed as a result of our processing of your dispute. '' I have filed an identity theft report about this matter and am pursuing this to erase this account off my credit report that was never mine to begin with. I have tried contacting XXXX XXXX XXXX XXXX with no help. The customer service reps are unable to provide me with any information whatsoever about this account. This needs to be addressed and looked into to see who opened an account under my identity or if this was a mistake made by XXXX XXXX XXXX XXXX. Either way, this charge off needs to be erased off my credit report as the account was not mine and it is majorly hurting my FICO score as a result.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

From XX/XX/XXXX until XX/XX/XXXX my mortgage was covered by the state of Ohio program to help with mortgage payments during COVID. My credit report shows my payments were 30 days past due then 90 days past due and then 120 days past due. The program I used for mortgage help through XXXX XXXX  was responsible for the payments, which were paid monthly. This 16 month span of derogatory marks that were incorrect have made it nearly impossible for me to refinance my home or look for another mortgage for a new home.
Consumer complaint received 2023-08-29
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. (TX)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-12-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-12-12
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)

Transunion has violated my consumer rights for months with no regard to the law. I have reported to TransUnion that they are violating 15 USC 1681e ( b ) and 15 USC 1681i ( 5 ) more than once but Transunion has ignored me. They are reporting two accounts : XXXX with account number XXXX and XXXX with account number XXXX. Both of these mentioned accounts are not reporting 100 % accurate information. I have attached proof that I have alerted them of these two violations over 30 days ago along with my current credit report that displays all 3 bureaus proving that these two items are not 100 % accurate as the law states.
Consumer complaint received 2024-05-04
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: NAVY FEDERAL CREDIT UNION (DE)

XX/XX/year> contacted Navy Federal under a request for a hardship relief of payment. The request was submitted and agreed upon by the collection department and was done in error and in bad faith because my card was under a settlement and no collections agreement should have been made. I have fallen behind on both card issued by navy federal due to no financial income at this time and Im not sure when I am going to have consistent income. I reached out to Navy Federal XXXX XXXX informing them again that I am under a financial hardship and in need of assistance. They responded they only can give me assistance for 1 card because I received assistance back in XXXX for the other card and it appears that the agreement was not satisfied. I have been requesting to speak to someone to rectify this issue and they refuse to reach out. In Good Faith the bank needs to admit that I informed them of my financial situation and they were the ones who made the mistake and also increased my payments for 1 card. This mistake is gon na cause a bigger problem for me because these cards are going to be reported as passed due and continues it will be a charge off. There is no way the bank should not have been aware that my card was under a settlement its no way that each representative gives different information the bank is giving XXXX and XXXX people loans credit cards and refuse to give assistance with needed. They also in Bad faith refuse to respond to my first complaint. 


I need this bank to work with me in good faith to get a resolution to this matter. If they cant find a way to resolve this issue and provide assistance XXXX shouldnt be held accountable for any amount owed. I am currently in a financial crisis and is causing a major hardship. 



Thank You XXXX XXXX XXXX
Consumer complaint received 2020-06-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

I had {$900.00} dollars in my Cash App account that I did a transfer for on XXXX at XXXX to my bank account. I did not do the transfer immediateIy since that was going to cost extra. I thought once I did the transfer the money would be safe. I have the face ID as well as the pin number confirmation on my account for transfers. I got a notification from my bank that someone was trying to cash app themself money and I declined the transaction. I went on my account and someone had changed the name, the email, removed my phone number and did an instant transfer from my account to the MasterCard for the money that was pending deposit. this occurred on XXXX at XXXXThey did an investigation and on XXXXdetermined there was fraud on my account and asked that I make a new account, send them the information and I would be reimbursed. I have emailed them multiple times and have not gotten a response since that email asking for my new info. The only was to contact them is through the app via email
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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
Consumer complaint received 2023-05-19
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. (SC)

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
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

my XXXX federal app shows my XXXX bank as open not closed closed it last month and Trans Union XXXX XXXX XXXX has not done XXXX to correct information, I have made numerous phone calls to transunion, XXXX card, and XXXX XXXX
Consumer complaint received 2023-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SUNCOAST CREDIT UNION (FL)

Suncoast Credit Union did not see anything unusual about a new and unusual {$250.00} charge ( set for monthly renewal ) by XXXX, made on XX/XX/23. The charge was fraudulent and I did catch it myself within XXXX days. I requested and obtained a block on that XXXX card. It took a painful 2-1/2 weeks to receive a new card! The very first charge of only {$9.00} was for a subscription renewal ... nothing whatsoever suspicious about a small, always renewed monthly charge by XXXX XXXX made on XX/XX/23 AND THIS CREDIT UNION HAS BLOCKED A CARD THAT TOOK 2-1/2 WEEKS TO OBTAIN! I refuse to jump through the hoops AGAIN to see what horrors this credit union has in store for me next. It does not deserve to be licensed to handle my financial affairs in my opinion.
Consumer complaint received 2018-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Plus Inc (OH)

I was looking to get pre-approval for home mortgage ( new home ) around XX/XX/2018. After reading a lot of articles online, it was clear to me that when we start looking around for home loans, we will have 30-60 days time and there will only be one hit irrespective how many vendors you check with. But to my surprise, there were 3 hard hits on my credit within a period of 30days. Is there anything that can be done to get those hard inquiries off of my record? 

Below are the details of the credit checks. 
Date : XX/XX/2018 Institution Information : XXXX XXXX, XXXX XXXX, NJ XXXX ( XXXX ) XXXX Date : XX/XX/2018 Institution Information : XXXX XXXX, XXXX, MD XXXX ( XXXX ) XXXX Date : XX/XX/2018 Institution Information : XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX
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: Absolute Resolutions Corp. (AL)

Violation of Consumer 's Right to Privacy You should be aware that I, the affiant, am a consumer with a right to privacy under Section 1682 ( a ) ( 4 ) of the United States Code. By disclosing private information about me without my written express authorization or any valid legal authority, ABSOLUTE RESOLUTIONS CORP. has breached my right to privacy.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, 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)

In accordance with the fair credit reporting act 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
Consumer complaint received 2023-12-12
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. (CA)

I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Consumer complaint received 2024-06-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (SD)

I have a charged off credit card account from Citibank that was placed with XXXX XXXX for collection. The last letter I received regarding this account is dated XX/XX/XXXX from XXXX XXXX offering a resolution of my account for a total of {$1300.00} split into XXXX payments of {$110.00}. I had not received any correspondence regarding the account since that letter so I assumed that my account was still with XXXX XXXX. In XX/XX/XXXX I sent a check for the full settlement amount that was offered along with a letter clearly indicating that I wanted to accept the settlement and have the charge off removed from my account. I was under the assumption that if these conditions were not acceptable then my check would be returned to me. Instead, the check I wrote payable to XXXX XXXX was forwarded to Citibank and applied as a regular payment to my charge-off balance. I received a letter dated XX/XX/XXXX from XXXX indicating that my account was no longer being handled by this company and that my payment was forwarded to Citibank. I contacted Citibank and they are refusing to accept the settlement payment I sent XXXX as a settlement for my account. The first time I called, I was told that my settlement check was applied as a normal payment and that my account still has a balance due of {$3100.00} and that no settlement offer was available. I called again and was offered a settlement of {$1500.00}. I explained that was not possible and was then offered {$1000.00} which I stated was still not possible. We ended the call and I contacted a local attorney through my legal insurance. The lawyer told me to write a letter to Citibank explaining everything from why I fell behind on my account to the situation with the settlement check. I did that and the letter was sent on XX/XX/XXXX but I have received no response. This is why I decided to file a complaint. I feel like both Citibank and XXXX XXXX misrepresented the handling of my account. Why wasnt I notified by XXXX XXXX that they were no longer handling my account? Why didnt Citibank notify me of this since they are they original creditor? If my account was no longer with XXXX then I assumed I would have been notified at the very least by the new company that bought the debt. Was the debt ever sold? Why did Citibank place the debt with XXXX and then XXXX place it back with Citibank? I have included copies of all of the documents mentioned. Please help me in understanding the answers to my questions.
Consumer complaint received 2023-12-12
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)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality unde

r 15 USC 1681. Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 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. I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have
not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2024-04-18
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 am writing to provide a follow-up on my previous attempts to correct the late open accounts listed on my credit report. Despite my initial efforts, these inaccuracies persist, and I am compelled to seek further assistance in rectifying this matter. 

I have submitted disputes, provided documentation, and engaged with the relevant creditors and credit reporting agencies to address this issue. However, to my dismay, the late open accounts continue to adversely impact my creditworthiness and financial standing. 

I request that you will conduct a thorough investigation into this matter and take decisive action to rectify the inaccuracies. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXX Balance : {$730.00} ; XXXX XXXX XXXX Balance : {$81.00} ; XXXX  XXXX XXXX Balance : {$1000.00}.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAVALRY INVESTMENTS, LLC (NV)

Good afternoon, Calvary Portfolio Serviced ( XXXX ) account ending in XXXX {$4000.00} 15 USC 1681 section 604 " states rights to consumer privacy '' Reporting agency 's can not furnish an account WITHOUT my WRITTEN consent!!
Consumer complaint received 2023-12-12
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. (CA)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

n accordance with the Fair Credit Reporting act XXXX my personal info, 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