davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

To whom it may concern, A legal notice was filed in probate court in XX/XX/XXXX regarding me and any anyone that's causes harm to my person. See Attached. This constructive notice does not require service. On XX/XX/XXXX a dispute was initiated regarding a XXXX XXXX accuracy filed on my report. Within less than 24 hours your company determined the account was verified as accurate. See Attached This is not a reasonable investigation at minimum. 

Under 15 USC 1681b Permissible Purposes of a consumer report ( a ) General - Subject to subsection ( a ) any consumer reporting agency may furnish under the following circumstances and no other ( 2 ) In accordance with written instructions of the consumer to whom it relates. Did I give written instructions to furnish this on my report? Furthermore, The Fair Reporting Act 15 USC 1681 ( 2 ) ( a ) ( 1 ) .Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions -Except as provides in paragraph ( 3 ) the term " consumer report '' does not include ( A ) subject to 1681s-3 of this title any- ( i ) report containing information solely as to the transactions or experiences between consumer and the person making the report. I have enclosed communication from the Bankruptcy Court whom does not communicate with credit bureaus. See Attached Please be advised outside of these violations your company will be held liable for trespass on person where damages will exceed the {$1000.00} per violation allowed.
Consumer complaint received 2024-04-12
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Payfare International Inc. (VA)

I am requesting your assistance in a recent transaction dispute involving Dasher Direct and its issuing bank, XXXX Bank. On XX/XX/XXXX, I initiated a dispute for unauthorized charges on my Dasher Direct card, totaling {$480.00}, comprising {$250.00} from XXXX and {$130.00} from XXXX XXXX XXXX. Despite furnishing notarized evidence and correspondence confirming the need for a chargeback from an XXXX XXXX XXXX representative, my claim was denied on XX/XX/XXXX, citing information provided by the merchants as proof of authorization. 

Subsequently, XXXX credited one transaction on XX/XX/2024, acknowledging an error. In seeking transparency, I have requested documents used in the dispute resolution process, only to be redirected to the merchants. This lack of disclosure violates consumer protection laws, hindering my ability to ascertain the basis of the decision made. 

Navigating through the complexities of transaction disputes, emphasis must be placed on consumer rights and the need for clear, accessible information. It is imperative that financial institutions uphold their obligation to provide detailed justifications for dispute outcomes, ensuring accountability and safeguarding consumer interests. 

In a landscape where electronic transactions dominate, advocating for transparency becomes paramount. By shedding light on the processes behind dispute resolutions, we foster trust, accountability, and consumer empowerment. Let us strive for a system where consumers are empowered with information and protected by robust consumer protection laws.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Consumer Adjustment Company Incorporated (FL)

I have a collection account that are on my consumer report that have not been investigated to be 100 % complete, accurate, or verified. Also, I have never gave Consumer ADJ Co direct consent to my private information such as my name, address, etc. I have been abused and decieved due to Consumer ADJ Co obtaining this private information without my permission. This account has hindered my ability to get extensions of credit and impacted my credit worthiness. I would like them to cease communication of this alleged debt and forms of communication include email, mail, telephone, and consumer reports.
Consumer complaint received 2024-04-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kingston Data & Credit International Inc. (TX)

In XX/XX/year> I signed up for the anytime fitness gym located at the address provided. When I went, the person there did not speak Spanish and I hardly understand English, but I still signed up, because I asked the person in charge at that time if there was someone who could help me in Spanish and he said no, so I told him that I would come back later so I could talk to someone in my language, but he was very insistent that I sign up at that time. I asked him if in the future he could cancel my membership any time I wanted and at no cost and he said yes. I was always punctual with my monthly payments, but approximately three months after signing up, they charged me a fee that was never mentioned when I signed up and that was when I wanted to cancel the membership, but they told me that was not possible, that if I wanted to do it I had to pay for everything the rest of the year, so I didn't cancel it. I asked the manager for a copy of the contract but he denied it and I immediately stopped showing up at the gym. Now they send me collection emails and I appear with a debt on my credit report.
Consumer complaint received 2023-10-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MA)

Submitted proper verification ( form generated and completed via XXXX XXXX XXXX XXXX for period of employment for XXXX program. MOHELA rejected the information stating that the signature is missing or that the format was incorrect. This is not true : the signature is in fact on the document, and further the document was generated directly from XXXX XXXX XXXX 

Attempts to rectify the issue have been unsuccessfull. I have called numerous times, however, due to my work schedule, I can only call on XXXX. The times that I have attempted to call during MOHELA business hours, I have been hung up on before speaking to a representative.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

BACK IN XXXX OF XXXX I WAS INDUCED INTO A XXXX XXXX, I HAD MAJOR HEALTH PROBLEMS, I WAS BATTLING SEVERE HEALTH PROBLEMS, BASICALLY IS WAS XXXX XXXX XXXX XXXX LUCKLY FOR ME DOCTORS DID EVERYTHING AND I RECOVERED, I AM FEELING BETTER NOW. WITH ALL THIS HAPPENING IN XXXX OF XXXX  MY BANK ACCOUNT WAS JEOPARDIZED BUT BECAUSE I WAS STILL IN M RECOVERY PERIOD, BY THE TIME I REALIZED IT WAS TOO LATE AND MY ACCOUNT WAS REPORTED 30 DAY LATE. I TAKE MY FINANCES SERIOUSLY, I HAVE TRIED TO REACH OUT TO BANK OF AMERICA BUT NO RESULT.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

In XX/XX/2023 I purchased a car with a car loan. As part of that process I shopped around for a car loan. Based on information provided by Experian, this should have been treated as a single inquiry, known as rate shopping. This has instead come across as multiple inquiries and I am not being given any opportunity to fix this by Experian.
Consumer complaint received 2023-12-15
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. (FL)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-01-17
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)

I recently received a copy of my credit report and found that you are illegally reporting inaccurate information about me. The following alleged accounts below are listed as closed and yet, theyre kept reporting. This is a violation of the FCRA and is also in violation of requisite Metro 2 Compliance reporting standards. 

[ XXXX XXXX Reported : XXXX XXXX, XXXX ] [ XXXX Reported : XXXX XXXX, XXXX ] [ XXXX XXXX XXXX XXXX XXXX T Reported : XXXX. XXXX, XXXX ] [ XXXX XXXX XXXX Reported : XXXX XXXX, XXXX ] [ XXXX XXXX Reported : XXXX XXXX, XXXX ] [ XXXX XXXX Reported : XXXX. XXXX, XXXX ] [ XXXX XXXX Reported : XXXX XXXX, XXXX ] [ XXXX XXXX Reported : XXXX XXXX, XXXX ] [ XXXX XXXX Reported : XXXX. XXXX, XXXX ] XXXX XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX ] According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, therefore any information that is not true, accurate and verifiable is required to be removed. 
I demand you remove the inaccurate/closed accounts immediately. Please send me an updated copy of my credit report showing your compliance with all FCRA and Metro 2 Reporting requirements.
Consumer complaint received 2023-05-10
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 is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX : {$1900.00}.
Consumer complaint received 2024-01-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Company has refused to comply with validation of debt requests. XXXX states they dontr have to obtain physical proof based on there on protocol in violation and non compliant with Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) demand sent on XX/XX/. These non-validated debts are still being reported erroneously on my credit report. Deliberately causing me undue harm. Out right refusing to comply with above laws.
Consumer complaint received 2024-03-31
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: GOLDMAN SACHS BANK USA (NY)

I had a flight booked online from XXXX to XXXX, I decided to delay my flight a month my flight and my moms. I paid the fee to delay the flight and I was given a residual refund the agent told me it was because of the ticket price difference I submitted that online and when I had issues with the form I luckily took screenshots. When I went to the airport on my flight date XX/XX/XXXX I was told my ticket was not valid and did not exist I was forced to pay for a new ticket. I had high hopes Goldman sachs would handle the issue but they did not in my dispute XXXX  recognized the discrepancy gave me a refund but took extra fees, I enquired via email and no one answered me I have called and no one answers. In the dispute XXXX stated I walked into their office and requested a refund. That is not true, if I requested a refund why go to the airport in the first place? I pointed this out to Goldman sachs and pointed out that they gave me a refund mid dispute but Goldman sachs closed my dispute saying I agreed to the terms and conditions. The terms and conditions never included my flight getting completed erased and having to buy a new one. I was dumb founded. When I eventually got a hold of someone in XXXX XXXX I was told I can only handle the dispute via email the phone hotline is for tickets in USA only. They havent answered why I am missing {$110.00} dollars, Goldman sachs stated the original decision will remain because there is no evidence to substantiate the claim even with all the evidence I provided. I have not been able to reach representative of XXXX air via email I have provided that evidence to Goldman sachs. If i was in the wrong then why XXXX refund me in the middle of the dispute? This alone proves to me they realized their negligence.
Consumer complaint received 2023-10-30
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. (CA)

DATES ASSOCIATED WITH INACCURACIES ; XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; EXPLANATION OF INADEQUACIES BEING DISPUTED ; THESE ITEMS ARE INNACURATE BECAUSE THE CARE ACT PROVIDED PROTECTION TO THE CONSUMER THAT WAS EFFECTED BY COVID 19 DURING THE PANDEMIC. ALL OF THESE NEGATIVE ITEMS FEW ARE ACTUALLY MINE MOST I HAVE NO KNOWLEDGE OF BUT ALL OCCURED DURING THE TIME THAT I THE CONSUMER WAS PROTECTED UNDER THE CARE ACT DURING COVID 19 PLEASE REMOVE THE FOLLOWING INACCURACIES FROM MY CREDIT REPORT IMEDIATELY! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AS WELL AS THE COUNTLESS NUMBER OF HARD INQUIRIES ADDED TO MY REPORT DURING THE SAME TIME PERIOD!
Consumer complaint received 2023-04-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ready Capital Corporation (AL)

I was selling my property and attempting to purchase a new mortgage. In the process I was notified I was late in several payments but had not been notified prior. After the inquiries I was told that was late in XXXX of XXXX  but I informed the person I spoke with that when I called on XX/XX/XXXX to make my payment the agent I spoke with told me I had an escrow refund and could use that amount to make my mortgage payment and all I would have to pay would be {$76.00}. I did and was not aware of any discrepancy until I was informed of my being late but I had not received any late notices. This made me a month behind. Also, due to me being placed in XXXX  XXXX I was told I could pay anytime of the month and not be late so I opted to pay at the end of the month. Once I received the payment history I was told it was just an unwritten rule. I asked several times for the printout of the recording and to be transferred to a supervisor but the supervisor was never in. This happened on at least five different occasions.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

ATTACHED IS PROOF OF AN INVESTIGATION THAT WAS DONE ON THE LATE PAYMENTS REPORTING ON A CLOSED ( BANK OF AMERICA XXXX ) ACCOUNT. THE ACCOUNT WAS CLOSED ( HIGHLIGHTED ON ATTACHED DOCUMENT ) XXXX AND THE FIRST LATE PAYMENT IS LISTED AT XXXX ( HIGHLIGHTED ON ATTACHED DOCUMENT ) PLEASE UPDATE THIS ACCOUNT TO CURRENT/ON-TIME OR DELETE THIS ACCOUNT FOR THE IMPROPER INVESTIGATION THAT WAS DONE By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them.
Consumer complaint received 2022-12-06
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: EQUIFAX, INC. (TX)

FCRA violations : inquires not mine XXXX XXXX NA Inquired on XX/XX/XXXX On record until XXXX XXXX FCRA violations : accounts do not belong to me XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$0.00} Status Closed. {$520.00} written off. 
XXXX Potentially negative Date XXXX XX/XX/XXXX XXXX {$430.00} XXXX Account charged off. {$430.00} written off. {$430.00} past due as of XX/XX/XXXX. 
XXXX XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. {$470.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$700.00} Status Account charged off. {$700.00} written off. {$700.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. {$20000.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$430.00} Status Collection account. {$430.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$18000.00} Status Collection account. {$180.00} FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2100.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3800.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$9600.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5000.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$9300.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5100.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$7500.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2000.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2800.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$950.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2100.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Open. 

FCRA violations : not my names XXXX XXXX XXXX XXXX XXXX FCRA violations : not my addresses XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Single family XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX LA XXXX XXXX type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX type XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, LA XXXX
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I recently reviewed again my XXXX, XXXX and Equifax credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I contacted XXXX and Transunion by certified mail indicating that an old derogatory account with XXXX XXXX XXXX XXXX was not only inaccurate but also outdated. The accounts should have been removed as it exceeds the statue of limitations, and both are reporting inaccurately. 

On Transunion the account is listed as a chargeoff last active XXXX is a XXXX XXXX XXXX XXXX account XXXX 

On XXXX the account is reporting as derogatory with last date of activity as XX/XX/2017. This is a XXXX XXXX XXXX XXXX account.
Consumer complaint received 2023-10-30
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent inquiries from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of anxiety for me, and I sincerely hope for a swift resolution.
Consumer complaint received 2023-12-15
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)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023.