davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-24
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. (NC)

I am writing to file a formal complaint against XXXX XXXX regarding the illegal reporting of a charge-off, which is considered a certificate of indebtedness and therefore income under IRS Publication 4681. This erroneous reporting violates federal regulations, including the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974, causing significant financial and emotional distress. 

The charge-off, considered as income per IRS Publication 4681, should not be included in consumer reports, as explicitly mandated by federal regulations. However, XXXX XXXX has inaccurately reported this income, breaching the FCRA and IRS guidelines. This misleading reporting not only misrepresents my financial standing but also infringes upon federal regulations designed to ensure accurate and fair reporting to consumers. 

Despite my attempts to rectify this issue directly with XXXX XXXX by disputing the inaccurate information on my consumer report, the erroneous reporting persists. This continued misreporting has substantially hindered my ability to access credit and financial opportunities. 

Furthermore, XXXX XXXX 's actions violate several federal statutes, including : 1. Violation of FCRA Sections 1681 ( a ) and 1681 ( b ) : XXXX XXXX 's illegal reporting of inaccurate information without my explicit consent contradicts the FCRA, impairing the efficiency of the banking system and undermining public confidence essential to its functioning. 

2. Violation of FCRA Section 6802 : XXXX XXXX reported information without my consent, breaching my opt-out rights and failing to disclose clearly and conspicuously that such information could be disclosed to third parties. 

This continuous inaccurate reporting has resulted in substantial financial damages and emotional stress. Moreover, it directly contravenes federal laws aimed at protecting consumer privacy and ensuring fair and accurate credit reporting. 

I respectfully request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against XXXX XXXX for their egregious violations of federal statutes. Additionally, I seek immediate rectification of the inaccurately reported information on my consumer report to mitigate the ongoing financial and emotional distress caused by their actions. 

Enclosed are supporting documents detailing the inaccurate reporting and relevant federal statutes for your review and consideration. 

Thank you for your attention to this matter. I eagerly await your prompt response and resolution.
Consumer complaint received 2023-02-08
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. (AR)

In according with the Fair Credit Reporting Act, XXXX XXXX XXXX ; XXXX  XXXX XXXX ; XXXX XXXX XXXXXXXX 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 Dept Of Ed/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX ; Payment Report XXXX has violated my rights. 

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

U.S.C. 1681 Section 604A Section 2. States a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-09-20
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. (NJ)

I sent Experian a ID theft report showing fruad on a XXXX XXXX Account, account XXXX XXXXXXXX. I have stated numerous of times that this is a fraudulant account, I have asked them to provide me with proof that this is my acount. They have yet to provide me with any prrof but yet they state its verified.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

Portfolio Recovery Associates has not provided any contract that I have with this company. Portfolio Recovery Associates has provided information with XXXX XXXX XXXX  and XXXX XXXX According to 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. This company has been reporting false claims of consumers owing them money illegally.CFPB Orders Repeat Offender Portfolio Recovery Associates to Pay More Than {$24.00} XXXX for Continued Illegal Debt Collection Practices and Consumer Reporting Violations. The Consumer Financial Protection Bureau ( CFPB ) took action today against Portfolio Recovery Associates, one of the largest debt collectors in the nation, for violating a XX/XX/2015 CFPB order and engaging in other violations of law. The CFPB filed a proposed order today that, if entered by the court, would require Portfolio Recovery Associates to pay more than {$12.00} XXXX to consumers harmed by its illegal debt collection practices, in addition to a {$12.00} XXXX penalty that would be deposited into the CFPBs victims relief fund. Portfolio Recovery Associates violated theXX/XX/2015 order by collecting on unsubstantiated debt, collecting on debt without providing required documentation and disclosures to consumers, suing or threatening legal action against consumers without offering or possessing required documentation, and suing to collect on debt outside the statute of limitations. Portfolio Recovery Associates also failed to properly investigate and resolve consumer disputes about the company 's credit reporting. Todays action is one of many actions the CFPB has recently taken to hold repeat offenders accountable. 

After getting caught red-handed in XX/XX/2015, Portfolio Recovery Associates continued violating the law through intimidation, deception, and illegal debt collection tactics and lawsuits, said CFPB Director XXXX XXXX XXXX CFPB orders are not suggestions, and companies can not ignore them simply because they are large or dominant in the market. This proves the fraud that is committed by Portfolio Recovery Associates
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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.
Consumer complaint received 2024-04-22
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: EQUIFAX, INC. (NY)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-22
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)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TX)

I returned XXXX items to XXXX on the same day. XXXX item has yet to be refunded, and XXXX tried to say that they have not received the returned item. The lady at XXXX XXXX scanned all three items ' barcodes and said my return was processed. 

I reached out to file a dispute with Wells Fargo ; their claims team did not do their job, and they issued a partial refund of the {$110.00} that was owed back to me. Wells Fargo claims I received a partial refund of {$34.00}, which is wrong. The {$34.00} was XXXX of XXXX refunds processed on the same day. 

There was a second refund processed on the same day for a smaller amount of {$19.00} ; the refunds occurred on XX/XX/2023. These are for XXXX other items that were returned. 

Since it has reached this level of importance where the employees in the claims department have not done their job. I would advise the federal government to investigate Wells Fargo further since they have a known history of violating customers rights and have been fined billions of dollars. 

Why did the claims staff make their own decision to use the higher credit amount as a partial refund, why did they not select the smaller amount that seems intentionally done to allow Wells Fargo to save money and not utilize their loan loss reserves in place for fraud claims. 

How many other customers has this happened too. Why didnt claims associate not add both credits together and try to say that they were both partial credits. The entire process and situation does not make sense. Im retired from banking and know better when it comes to compliance and regulatory oversight. 

The agent I spoke to in claims right after the partial credit was issued on my claim did not want to help me and had an attitude that showed he cared zero about providing customer service. 

Nothing in this entire situation makes sense. All employees and supervisors need to be disciplined and coached and have all their calls pulled and audited to verify they are doing their job. If they could mess up on a simple claim like this how many other Wells Fargo clients have been affected and impacted by this for of employee negligence and work avoidance. 

I was told by a supervisor on XX/XX/2023 the date that I made the followup call that I could send additional proof to the email address XXXX and I did I sent all my transaction history with XXXX both purchase and credits to prove that I was still owed money. 

Wells Fargo needs to be audited and fined and they need to reimburse customers for their time taken out of their life to spend on the phone and sending extra emails above and beyond the standard process. 

This is the first time Ive had such a horrible experience with Wells Fargo and I wont forget it anytime soon. 

A new executive escalation has been issued but a regulatory agency must be informed of this negligent practice. Case # XXXX
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX  ACCOUNT : XXXX XXXX XXXX XXXX, reported my account 30 days late on XX/XX/2022. 
This information is incorrect and I want this to be corrected on my credit report. 
Have never been late. 

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section XXXX ) XXXX it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Thank you.
Consumer complaint received 2023-09-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Army and Air Force Exchange Service (TX)

XXXX XXXX XXXX XXXX XXXX is collecting on behalf of Aafes for credit card debt that Ive disputed doesnt belong to me. Ive long stated that I never received communication of the debt nor had a chance to dispute said debt. Ive since had XXXX withheld from me. Interest in the amount of XXXX has accrued and theyre now collecting on that. I am unable to put energy into this and neither AAfes nor XXXX is able to provide anything that substantiates that said debt is mine. Not to mention that interest is accruing on an account that shouldve long been charged off and closed which is predatory in nature.
Consumer complaint received 2024-04-22
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 recently reviewed my credit report and was shocked to see accounts that were opened fraudulently. I've notified the 3 major credit bureaus numerous times and no action has been taken on behalf of these institutions, whom continue to break the laws of the united states constitution by continuing to report this inaccurate information of my credit profile. This neglect has been hindering me from buying a home for my family. Please take the necessary action of upholding the constitution by removing these inaccuracies from my credit report
Consumer complaint received 2023-12-24
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On XX/XX/2023, I sent Transunion two letters regarding my personal information being updated and disputing some accounts on my profile. I did not receive a response from them. I know by law they are permitted a thirty-day window to respond and Transunion has failed to comply.
Consumer complaint received 2023-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (FL)

Im a XXXX XXXX. My boyfriend and I were booked on a trip to XXXX when a state of emergency was declared thru XXXX XXXX ( presidential candidate assassinated and riots started, so we cancelled the trip. I approached the travel company in XXXX ( XXXX ) and they refused to refund anything ( have paper trail ) charges XXXX XXXX.Also the invoice never had our name on it.. I used my Chase Visa, after 2 disputes submitted with documented proof, I did not get a penny back. Though Chase prides themselves on customer service, they were rude. when I called numerous times they blew me off. It was difficult to get a representative honor my request to speak with a supervisor. When they placed the charges back in my account Chase did not inform me ( XX/XX/2023 ) .I only discovered by checking my visa account on line as I frequently do. I do not believe the documentation I submitted was read. The trip was XXXX XXXX. I filed the 1st dispute around XX/XX/2023 with a customer service representative. 
My boyfriend also filed a dispute with his credit card co. and HIS CHARGES WERE REFUNDED.
Consumer complaint received 2024-04-22
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. (PA)

Dear XXXX, Transunion, XXXX This letter is a follow-up to my previous correspondence dated XX/XX/2024 regarding inaccurate information on my credit report. In that communication, I disputed the following items : Late payment on account number XXXX on XX/XX/2024 there was a late payment posted on my account where i was never late Federal law, under the Fair Credit Reporting Act ( FCRA ), requires you to investigate disputes within 30 days of receiving them. As of today, XX/XX/2024, I have not received any response regarding my dispute. 

I request that you immediately investigate this matter and take the necessary steps to correct the inaccurate information on my credit report. Please provide me with a written update on the status of my dispute within 10 business days of receiving this letter. 

For your reference, I have enclosed a copy of my previous correspondence and any supporting documentation I submitted with my initial dispute. 
Cfpb Account # XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to follow up on my previous communication regarding the fraudulent items that persist on my account. Despite my initial attempt to address this matter, the fraudulent charges remain unresolved. This letter serves as my second attempt to request the immediate removal of these fraudulent items. 

I am deeply concerned about the lack of progress in addressing this matter. The presence of fraudulent items on my account not only jeopardizes my financial security but also undermines my confidence in your company 's ability to safeguard customer accounts. 

I urge you to take immediate action to rectify this situation. I request that the fraudulent charges be promptly removed from my account, and any associated fees or penalties resulting from this oversight be waived without delay. With this, I am asking for your assistance to remove these fraud items in my credit file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-24
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. (NC)

According to the XXXX data breach my data was effected. My information was bought and sold without my permission or consent. Because of this data breach I want the accounts listed on the attachment deleted immediately. XXXX, transunion, and experian has not responded to any of my documents sent to their company via mail. Can you help me remove these items? Because of this data breach I was charged 10.74 % APR on my car loan. I was denied access to purchasing a home and denied credit extensios. XXXX transunion and XXXX all need to delete the items that are attached. I sent letters to all three companies with no response or actions.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (FL)

Banking account compromised stolen {$700.00} 4 credit cards open in my name XXXX. XXXXXXXX XXXX XXXX  opened XXXX XXXX. XXXX XXXX opened XXXX XXXX XXXX XXXX XXXX  open XXXX Actions taken by me : police report and charges pressed. Credit freeze on my social Case number XXXX
Consumer complaint received 2024-04-22
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 am writing to follow up on my previous communication regarding the fraudulent items that persist on my account. Despite my initial attempt to address this matter, the fraudulent charges remain unresolved. This letter serves as my second attempt to request the immediate removal of these fraudulent items. 

I am deeply concerned about the lack of progress in addressing this matter. The presence of fraudulent items on my account not only jeopardizes my financial security but also undermines my confidence in your company 's ability to safeguard customer accounts. 

I urge you to take immediate action to rectify this situation. I request that the fraudulent charges be promptly removed from my account, and any associated fees or penalties resulting from this oversight be waived without delay. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX Balance : {$1300.00} XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX : {$0.00} XXXXl XXXX Balance : {$670.00} Medical XXXX Balance : {$740.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.
Consumer complaint received 2024-04-21
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 recently reviewed my credit report and was shocked to see accounts that were opened fraudulently. I've notified the 3 major credit bureaus numerous times and no action has been taken on behalf of these institutions, whom continue to break the laws of the united states constitution by continuing to report this inaccurate information of my credit profile. This neglect has been hindering me from buying a home for my family. Please take the necessary action of upholding the constitution by removing these inaccuracies from my credit report