davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-06
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 ( XXXX  Account # XXXX ) ( XXXX XXXXXXXX XXXX XXXX  Account # XXXX ) has violated my rights! Also i was never late on any of these accounts ( XXXX Account # XXXX ) ( XXXX XXXXXXXX Account # XXXX ) and i made no credit application with these companies ( XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XX/XX/XXXX TransUnion ) and feel my rights are being taken advantage of 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 an account without my written instructions!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, 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 ;
Consumer complaint received 2018-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE (NY)

I was shocked when reviewing my credit report and found 2 late payments on the dates below : XXXX 2018 I always make my payments to you when I receive the statements. The statement has obviously gotten lost in the mail and never got to me.
Consumer complaint received 2018-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This dispute is a follow-up to my original dispute regarding an inaccuracy in the credit reporting from TransUnion, XXXX  and XXXX. Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquires : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation if the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

I previously submitted a dispute to the companies above and I have received a letter from the companies that the inquire ( s ) would be removed but, TransUnion, XXXX  and XXXX has failed to correct their erroneous reporting. I have maintained careful record of my communication and I have attached the inquiry removal letters from each company from previous attempts to have the inquiries removed. I'm making this final goodwill attempt to get these inquiries removed.
Consumer complaint received 2024-04-15
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)

THE COMPANIES ARE XXXX, XXXX, TRANSUION, AND XXXX XXXX. There are unauthorized inquires, collections, and charge off accounts on my profile. 
XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX I have never received a 1099 C form, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  code 18 USC 1028A, they did not provide me evidence stating that I have signed any sort of agreement with the said companies. They don't have my wet signature and they have not sent me the debt from the original collector, | sent out countless disputes to these companies stating 15 US. Code S 1681C-2 A consumer reporting agency shall block the reporting of any information on file of a consumer that the consumer identifies as information that result from an alleged Identity theft, no later than 4 business days after the date of receipt. It has been 30 days, and they are in violation of this law because | am a victim of Identity theft. Please! just want these deleted immediately! These accounts should not be furnished on my consumer report as they are in violation Under, 15 US Code 16818, 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. 15 USC 16816 states " Any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer. That is Aggravated Identity Theft 18 uSc I028A because they have possession of my information, and they are also using it without consent from the consumer me. 15 USC 6802 A Financial Institution may not disclose nonpublic personal information to a nonaffiliated Third Party unless - They give you the consumer the opportunity to exercise your right to opt - out They dont have a CONTRACT WITH THE ORIGINAL CREDITOR WITH MY WET SIGNATURE. I REQUESTED PROOF OF THE DEBT ASSIGNMENT.

I REQUEST THE PAYMENT HISTORY WITH ASSIGNED OR PURCHASED DEBT AND THEY DID NOT SEND. ITS been far longer than 30 DAYS and it is still not deleted off of my credit profile.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting and creditonebnk XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights 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.
Consumer complaint received 2024-05-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/2024, my billing cycle closed, and I had a balance of {$9600.00}, with a due date of XX/XX/2024 ( see attachment ). By that date, I had made partial payments and redeemed reward credits totaling {$10000.00}. Regardless, on XX/XX/2024, Capital One made a withdrawal from my checking account through their " Auto Pay '' system for {$8200.00}. This was improper because the total credits applied to my account exceeded the balance due on that date, so I disputed the transaction with my bank, and the payment was returned. 

Capital One now claims that despite the fact that the total credits applied to my account exceeded the balance due by XX/XX/XXXX, I did not make the total payment due, and my account is past due. While I fully disagree with their contention that my account was ever past due, I agreed to make a payment of {$1000.00} today ( XX/XX/2024 ). Capital One 's representative XXXX, ID number XXXX, promised that if this payment was made today, no information about a past due payment, or anything other than " paid as agreed '' would be reported to credit bureaus. While I was skeptical of this promise, I agreed to make the payment, in the interest of protecting my credit rating. 

After extensive discussions with Capital One, the dispute boils down to the application of two Capital One policies, which I contend are misleading and improper : 1. Capital One 's Auto Pay feature allows a consumer to automatically schedule a payment to pay statement balances in full on the due date. However, nonsensically ( and in opposition to the behavior most of their competitors ), Capital One does not subtract any early payments made from the " balance '' due. Capital One representatives have described this to me as " that's just the way Auto Pay works, '' and claimed that in order to truly have only the balance due subtracted, I would have to call the company before any automatic payments are completed. The behavior of their Auto Pay is both unreasonable, and opposite to how the system is described on their own website when setting up the feature ( see attached image ). Applying a common sense interpretation of what a consumer would believe will happen is not congruent with the behavior of their system. 

2. Capital One does not apply promotional credits to payments due, and does not make it clear to the consumer that this behavior exists. All promotional credits are listed as payments on their website and their statements ( see attachment ), like any other payment would appear. Despite this, Capital One does not apply these credits at the time they are redeemed, but holds the credits and applies them to the balance due at the end of the billing cycle - despite the fact that they appear immediately on the transaction list, with the redemption date. Given the way the information is presented by Capital One, any consumer would be expected to believe that their credits had been applied to their account immediately.
Consumer complaint received 2023-12-06
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. (IN)

Ive already submitted multiples complaints and reinvestigation clauses. This is my 5th notice to the company and still I have inaccurate things on my credit report that has caused me to be denied from jobs, Credit opportunities, and funding. The latest Credit file still shows these inaccuracies ( Attachments ). Account # 's missing, Balance owed being reported, Closed dates missing, Past due amounts being shown, Date opened different on bureaus. My consumer rights are that all information has to be 100 % accurate and these are not. XXXX in particular has failed to investigate and delete accounts that have been deleted from the other agencies as well. I am seeking damages in the amount XXXX per violation as the dates to investigate and has expired also for the accounts in question to be deleted. I also sent the companies a notice that I wanted a notice of what happened during investigations. Delivered and received at all XXXX bureaus XXXX XXXXXXXX XXXX 
Tracking numbers/ XXXX XXXX XXXX Consumer law below.

A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

I was not sent any information.
Consumer complaint received 2023-12-06
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. (NJ)

I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

[ Describe the specific inaccuracies on your credit report. Include any incorrect transactions, erroneous account details, or other errors. ] According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest. 

Sincerely, XXXX XXXX XXXX This updated letter includes the additional law you provided, reinforcing your dispute based on relevant statutes.
Consumer complaint received 2018-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XX/XX/18 To whom it may concern ; In XX/XX/2018, my cell phone was stolen. My phone had my bank card attached to my XXXX account. Whoever stole my phone, Im assuming it was a kid, downloaded a bunch of games onto the phone and began making purchases on these games through XXXX XXXX. XX/XX/2018, I was diagnosed with a XXXX  XXXX in the right side of my head and ordered by my doctor to take it easy. At this point, my husband began controlling the finances until after my XXXX on XX/XX/2018. He doesnt have access to my online banking information to check transactions on my account. 
On XX/XX/2018, I had logged into my banking mobile app ( Bank of America ) and found all the fraudulent charges and called to dispute them. Now, my bank is telling me that they lost the dispute to XXXX because XXXX say the transactions are accurate when they arent. What I dont understand, is they approved one set of fraudulent charges but on the large amount one, they denied it. I am disputing these charges because it was not me who made these transactions and just because I was sick with a XXXX in my XXXX, not checking my bank account on a regular basis, I should not be held accountable for these transactions. 
I am attaching 3 separate dispute claims with this, 2 of which they approved and 1 that they didnt, when they were all for fraudulent transactions resulting from the loss of my phone. I am also attaching the documentation from where I had to get my new phone a couple weeks after it was stolen. It took me almost a month to be able to get another phone because of this money being gone. 
My bank says that XXXX declined giving this money back because it took me too long to notice the transactions being made on my account and that if I wouldve caught it sooner, they couldve stopped. I was sick at the time with a XXXX in my XXXX. As soon as I found out about the transactions is when I called my bank to dispute them. I was not checking my bank account app like I normally do. This is fraud and I need help getting my money back. I can also provide all medical documentation necessary for during this time period as well to prove I am not lying. Please get back to me and let me know if any additional information is needed from my end and I will get it to you asap.
Consumer complaint received 2023-12-06
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 ( XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX Account XXXX XXXX ) ( XXXX XXXX  # XXXX ) has violated my rights! Also i want these inquiries removed from my report that were not authorized ( XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX OF XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion ) and o feel my rights are being taken advantage of. 


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 an account without my written instructions!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, 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 ;
Consumer complaint received 2024-05-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (ND)

Alleged XXXXXXXX XXXX XXXX agency alleged that I owe a debt to their company. however, i didn't have any recollection of entering into any contract with them. yet I offered to settle the matter by requesting them to provide me with documentary evidence to substantiate their claim. LVNV FUNDING LLC fail to provide what was requested, but continued to report it on my Consumer report tarnishing my good name and reputation.
Consumer complaint received 2018-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

With the new federal law that recently went into effect, I decided that I wanted to establish a Credit Freeze with the 3 major credit reporting agencies. I had no problem registering and establishing the credit freeze for myself with both XXXX XXXX and XXXX. My complaint is with Equifax. I was able to establish my login UserName and Password on Equifax 's web site back in early XXXX, but then was not able to turn on the Security Freeze. Every time that I have visited their site since then, I have been unable to even login to their site - with the goal of establishing my Credit Freeze. I have called their Consumer Care Agent 4 different times ( at XXXX ), and each and every time, I was told the same very specific response : " We are experiencing problems with our servers at this moment. Please revisit our web site again in 13 to 60 minutes from now and try again. '' Yes, they were very specific : " 13 to 60 minutes ''. I believe that is just a " canned answer '' that they are reading from a script. This has been going on for 2 months now, so I feel that I have no other place to turn, other than to lodge this complaint with the CFPB.
Consumer complaint received 2023-12-06
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)

There are some accounts on my credit file that I dont recognize. I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the account status, the account high balance nor to I recognize the late payments associated with these accounts. 
These accounts do not meet FCRA requirements. 

XXXX XXXX XXXX XXXX Account number XXXX Account type Credit card This account is reporting a 30 day late payment on XX/XX/XXXX but on XX/XX/XXXX it is being reported as current. This data is not accurate or reliable being that there is only 30 days in a month. 
Under 15 USC 1692g this does account does not meet FRCA and needs to be removed from my credit file. 

2.Account info Account name XXXX XXXX  XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Under 15 USC 1692g this does account does not meet FRCA and needs to be removed from my credit file. The data does not show when the last payment was made, it shows that a {$5.00} payment was made XX/XX/XXXX I requested proof of this but it was never provided. A proper investigation was never conducted. 

XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX The data does not show when the last payment was made, I requested proof of this but it was never provided. A proper investigation was never conducted. 
Under 15 USC 1692g this does account does not meet FRCA and needs to be removed from my credit file. 

XXXX XXXX Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX The data does not show when any payment was made or the last payment and when this account became charge off, I requested proof of this as well as a 1099c form the creditor should have provided to me when the account status changed to Charged off but it was never provided. A proper investigation was never conducted.

Under 15 USC 1692g this does account does not meet FRCA and needs to be removed from my credit file.