davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX XXXX XXXX Date opened XX/XX/ Balance : {$21000.00}
Consumer complaint received 2024-04-24
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. (TN)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX 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 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 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 2023-09-03
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. (CA)

Hello in accordance to the Fair Credit Reporting Act, The accounts listed below have violated my federally protected consumer rights per 15 USC 1681 to privacy and confidentiality, as well 15 USC 1681 b : Permissable purpose, 15 USC 1681 ( 5 ) Charge off violation. 
I have requested that XXXX, Experian and XXXX reinvestigate these accounts : XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX ( XXXX XXXX ) XXXX XXXX Acct # XXXX ( Reinserted onto credit file ) Yet they have stated that everything was accurate and complete. When it still reflects on my credit file the open date, date of last payment, date of last activity as well these account are reported as ( Chargeoff status ) And per FCRA a charge-off and charge-off should be accurately reported as such and all collections activity should cease once the account has been reported as a charge-off.

According to 15USC 1681 section 602 A : I have the right to privacy 15 USC 1681 section 604 A : A consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681 c ( a ) ( 5 ) : NO consumer reporting agency may make any consumer report containing 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 USC 1681s-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-07-31
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: MEDALLION MORTGAGE COMPANY (CA)

i '' ve had a hard money high interest loan for 3 yrs. it was supposed to be a short term loan. i have repeatedly tried to refi out of this loan and have been unsuccessfu. my lender medallion services of XXXX have repeatly refused to comply with simple request for payoff demand, and medallion services represented by XXXX XXXX XXXX has continued to refuse to communicate with any title company seeking info for refi on my XXXX XXXX XXXX property. medallion attempted to foreclose, i filed a motion ex parte to get emergency injuction from any sale and was successful however Medallion service sold the property anyway despite the order. i know i am a victim of predatory lending i need help.theses people are crooks. Medallion has charged us extremely high rates from our agreed 12 % to 16 % without any response to our written inquire as to the cause of the increase, enough is enough. i need help.
Consumer complaint received 2023-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-11-02
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. (OR)

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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 Account Name : Bankruptcy -U.S. Bankruptcy, Court Reference # XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report.

Thanks
Consumer complaint received 2023-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XX/XX/ I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and while I was gone XXXX was fraudulently stolen from my account when I get out of XXXX my account is locked I was homeless I was kicked out on the street without any family or anything to do and I didn't have a way to get an identity I finally got my ID and to find out that the money was not there so I disputed it the Bank of America told me that it was me that did it and that I can send documents stating I was in the custody of the XXXX XXXX XXXXXXXX XXXX so I went to three or four different courthouses and then I finally got through to the sheriff 's administration office in XXXX in XXXX XXXX county and they gave me a cover letter and I got a judgment from the time I was sentenced and I was in custody when all this happened I just want my money back and they denied me and then they revised it and they told me on the XXXX which is today I would have the money back or they didn't say I'd have the money back they said they would be done with investigation which they are not I've been calling them every day all day and they can never tell me nothing I just would like my money back
Consumer complaint received 2023-05-01
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. (FL)

My personal info was stolen and used without my consent. This issue has caused me to become depressed and homeless. I refuse to pay any debts that I did not take. This is my formal complaint to get these items removed off of my credit report. 

XXXX XXXX  {$510.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$3100.00} XX/XX/XXXX XXXX XXXX  {$0.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  {$8500.00} XX/XX/XXXX XXXX
Consumer complaint received 2023-07-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I've held savings accounts with Capital One 360 since 2005, when it was ING Direct ( before the Capital One acquisition ). I recently learned that at least twice in that time, they created new savings account types with different names and better interest rates, and they stopped offering the old account types. They did not convert legacy customer accounts to the newer better offerings, nor did they notify customers that they could or should take action to upgrade their accounts. This amounts to a disingenuous bait and switch, which resulted in longtime loyal customers losing out on years of better interest rates. 

I contacted them to request back interest payments that I missed out on due to my funds having remained in the inferior accounts to date, but they refused. 

My legacy savings accounts currently show the " Account Type '' as " 360 Savings '', which currently earns 0.30 % APY. The newer and only currently-offered account type is " 360 Performance Savings '', which is currently at 4.15 % APY. That's 13.8x as much as the legacy account.
Consumer complaint received 2018-02-26
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. (TX)

First these accounts are not mines. Some were deleted from credit report then re-added to my report. The collection accounts I have attached disputes with company and Attroney General of those states company is doing business with.

These are the XXXX accounts.

1. XXXX XXXX XXXX {$4100.00} Closed 2. XXXX XXXX XXXX {$1400.00} Closed These are my Transunion accounts. 

1. XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX, 2018 {$3000.00} 2. In Collections/Charge-off XXXX XXXX XXXX XXXX  Last reported : XX/XX/XXXX, 2018 {$5500.00} 3. XXXX XXXX XXXX Last reported : XX/XX/XXXX, 2018 {$3900.00}
Consumer complaint received 2024-04-24
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)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : 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 2024-04-24
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (VT)

My credit score has dropped almost XXXX points over a XXXX month period. I am planning to purchase a car so the dealership checked my credit. Nothing bad about it but the credit score keepers decided my score needed to take a hit. I paid off my credit card and my score dropped XXXX XXXX. These companies are ridiculous, corrupt and should not be allowed to constantly manipulate scores. They are also allowed to keep old information for years on record that keeps scores low. If you have no debt your score is decreased. 

My credit score is probably going to drop because I complain about them When is this corruption going to end?
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I revisited my credit file and to my dismay, I still see damaging reports that you failed to either CORRECTED or REMOVED. Under FCRA it is my rights to dispute and take proper legal actions to the any inaccurate and missing information my report. For one LAST time I am asking you guys to perform a logical investigation on these accounts. If you still chooses to ignore this dispute, when there is relevant and new information given as per FCRA my other choice is to have this issue escalated and file a complaints with the attorney general in my state, attorney general in your state, Consumer Financial Protection Bureau, Justice Department. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-24
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. (MI)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX  XXXX XXXX XXXX Balance : {$2400.00}
Consumer complaint received 2018-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (FL)

I am missing XXXX points for my successful referral of the Amex Delta golden credit card in XX/XX/2017. I have contacted the customs service for serval times about this issue but still not resolved. They just closed my case. After I have submitted the first complaint through their customer service and they asked me to provide additional information about referral individuals. Then, I gave those to them and after several weeks they said they could not find a clue. After I submitted the second complaint from CFPB, they asked me to provide these individual referrals information again. I just could not understand. 

This is my third complaint and I attached their names, addresses and even card numbers. I think they should locate their application by those information. If this time they just simply said they could not validate the referrals. I will think this is a fraud approach to cheat customers. My friends have already had their open account bonus which is XXXX through my referral. why could not I get my successful referral bonus? 

I want to mention again the two XXXX bonus points already shown in my account should come from two people since they applied for the card on the same date and not as the custom said which two XXXX points were from one person.
Consumer complaint received 2023-04-27
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: EQUIFAX, INC. (TX)

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 : UNKNOWN ACCOUNT Account XXXX Account name : UNKNOWN ACCOUNT Account Number : XXXX has violated my rights. Or 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 2023-11-02
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. (NY)

According to company response # XXXX from CFPB!! 
ON THE RECEIPTS FROM XXXX XXXX 
I HAVE NOT USED THE CREDIT CARD!!! 
THESE RECEIPTS SHOW XXXX XXXX FEES AND LATE CHARGES AND INTEREST DEVOURING THE CARD!!! 
DOES NOT SHOW ME PURCHASING ANYTHING, SO HOW DO THEY GIVE ME CREDIT AND CHARGE ME ALL TYPES OF FEES AND I DIDNT USE THE CARD IN MY POSSESSION AND ALSO I LOST MY WALLET AND STILL DID CALL THE FRAUD DEPT AND TOLD THEM I LOST MY WALLET AND THEY TRIED TO SEND ME BACK TO CUSTOMER CARE WHEN THEY REALIZED I DIDN'T USE THE CARD, BUT CREDIT XXXX CLOSED THE CARD BECAUSE OF NONUSAGE, BEFORE I LOST THE CARD!!! 
HOW COULD CREDIT XXXX DO THIS, IT SHOULD BE ILLEGAL OR CRIMINAL TO GIVE AND TAKE BACK AND CHARGE FEES FOR NOT USING THE CARD AND PUT ME OR ANYONE INTO DEBT AND REPORT TO ALL XXXX MAJOR REPORTING AGENCIES, TRANSUNION, XXXX and XXXX!!!!!!
Consumer complaint received 2023-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

All XXXX bureaus failed to follow proper credit reporting procedures and laws throughout my past 3 months in the disputing process. On XXXX I sent certified mail disputes to all XXXX bureaus regarding inaccuracies on my credit reports. Please see the attached document for more information on what went wrong. Here are the tracking numbers and evidence. 

( XXXX XXXX XXXX XXXX XXXX ) to XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. 

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX to Transunion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX to XXXX XXXX Mail, XXXX, Transunion, and XXXX received notice of my XXXX dispute on these dates below XX/XX/XXXX, XXXX am XXXX XX/XX/XXXX, XXXX am Transunion XX/XX/XXXX, XXXX pm XXXX After receiving notice of my XXXX XXXX Transunion Consumer Solutions removed the XXXXXXXX XXXX Account XXXX from my credit profile on XXXX. On XXXX, the XXXXXXXX XXXX Account was seen as re-verified and re-furnished on my profile. I did not receive notice of this within the XXXX business days as required by the FCRA section XXXX. 

Similarly, XXXX XXXX XXXX XXXX, received notice of my XXXX dispute and removed the fraudulent XXXX XXXX Account on XXXX. On XXXX, the XXXXXXXX XXXX Account was seen as re-verified and re-furnished on my profile. Again, I did not receive written notice of this within the XXXX business days as required in the official FCRA XXXX section. This is a violation of my rights and the account needs to be deleted off my profile immediately because of it and the inaccuracies pointed out. 

XXXX did the same and failed to follow proper FCRA credit reporting procedures. The XXXXXXXX XXXX account XXXX was re-verified and is still affecting my credit today. 

Alongside this, all of the companies did not provide me with any of the information I requested such as the proof and evidence that was used to verify the XXXX XXXX account. I requested the investigation information very clearly in all of my disputes. Nonetheless, all three XXXX, XXXX XXXX XXXX XXXX, and Transunion Consumer Solutions, all failed to provide me with the information I requested. It is my right under FCRA consumer law and I am utterly shocked that all XXXX of the companies can not keep it together. 

Again, please see the attached document for more explanation of what went wrong.