davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-13
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 act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX 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 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2017-03-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (PA)

Southwest Credit Systems {$260.00} Original creditor XXXX I do not owe this much. Have disputed for over 4 yrs Attempted to settle with XXXX numerous occasions but they refuse!! I DO NOT deal with collection agencies. Southwest just put this charge back on my credit again & trashed my credit score. I 've had XXXX accounts closed because of this. I 'm sick of dealing with this I could very easily pay this but I 'm NOT paying something I do n't owe XXXX XXXX, 2015 XXXX took {$60.00} off for equipment return, I own that equipment Took it to {$200.00} Now XXXX says there was NO charge and added the {$60.00} back on. My next course of action is court!! XXXX never sent me a final bill 4 yrs ago when we moved. XXXX now states that they ca n't accept any kind of settlement that I need to pay full amount but then told me that I could to thru Southwest and settle for less amount This makes NO sense to me. I will not let this go until it is off my credit once and for all. Southwest has over 500 complaints with BBB I will continue to file complaints thru XXXX XXXX until resolved
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 deleted : USDOEXXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$8800.00} US DEPT ED XXXX Balance : {$9300.00} US DEPT ED XXXX Balance : {$3300.00} US DEPT ED XXXX Balance : {$1100.00} US DEPT ED XXXX Balance : {$5900.00} US DEPT ED XXXX Balance : {$8500.00} US DEPT ED XXXX Balance : {$4900.00} US DEPT ED XXXX Balance : {$7600.00} US DEPT ED XXXX Balance : {$2300.00} US DEPT ED XXXX Balance : {$7200.00} US DEPT ED XXXX Balance : {$3800.00} US DEPT ED XXXX Balance XXXX {$8600.00} US DEPT ED XXXX Balance : {$3300.00}
Consumer complaint received 2024-04-16
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)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX XXXX XXXX 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 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Charge-off is considered a certificate of indebtness so it's now income and income can not be reporting to my report as you can see with my XXXX account XXXX is reporting as a charge off. According to 15 USC 1681b permissible purpose of consumer reports I didn't give these agencies written consent to add any inquires to my consumer report I did not give this authorization that is a violation of the Fair Credit Reporting Act. So all inquires need to be remove. Any it's illegal to report transaction. 15 USC 1681s-2 ( A ) ( 1 ) states " 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. As you can see each account has inaccurate information and each account need to be deleted from my credit report. 15 USC 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of the title. XXXX, XXXX, and TransUnion are not maintaining reasonable procedures.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Hello to who it may concern ; Hi well i was looking at my credit report and i find out incorrect information of me and the only information you should have on my credit report should be the following only. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Any other information thats not accurate to what i just told you in this letter i want it removed as soon as possible and i mean it as soon as possible please and thank you.
Consumer complaint received 2023-11-03
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WA)

I was blackmailed after chatting online with a woman. XXXX XXXX XXXX XXXX XXXX  and they took screenshots and threatened to send the pictures to my XXXX friends unless I paid them {$300.00} on PayPal.
Consumer complaint received 2023-05-31
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: Fidelity National Information Services, Inc. (FNIS) (MN)

The following inquiries viewed by others and only by me currently listed and showing on my Chex Systems XXXX Report ID : XXXX are unauthorized and not my inquiries : 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
Consumer complaint received 2022-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I constantly check my credit report and noticed that the errors and false misleading information for individual accounts didint quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. Im demanding CFPB to encore the correction and deletion of these items.
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-13
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. (IN)

I went to purchase a vehicle and I noticed inquiry that are fraudulent on my Consumer Report. I have not applied for credit or entered into any contractual agreements with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  during the time periods indicated by the inquiries. As these inquiries were conducted without proper authorization, I kindly request their immediate removal from my credit report to prevent any negative impact on my creditworthiness.
Consumer complaint received 2023-12-12
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 delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-11-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

Twice, I have been convinced to sign up for a XXXX XXXX  credit card in store .. and twice, I have received my first bill after the due date for initial payment. 

The first time, I thought that maybe I had missed the first bill. This time, however, I was diligent in looking out for it. Sure enough, the bill arrived on XX/XX/XXXX -- with a {$29.00} in fees and interest on a {$100.00} bill. The statement closing date : XXXX XXXX. That would be fine, except there was no bill sent prior to XXXX XXXX. 

I have checked every piece of mail that has come into the house and received only a XXXX XXXX notice about the credit card and the card itself. However, no bill ever arrived. I also checked my email. The first time I ever heard from Synchrony Bank or XXXX XXXX about this bill was on XXXX XXXX. 

The remedy here isn't to waive the charges. I already did that. In fact, they do it so automatically that I assume this must be part of the process. If anyone complains, just waive the charges. I also paid the whole bill, and once again cancelled the card. My issue is with XXXX/Gap 's customer-unfriendly practices that essentially pressure people into getting a card in the store and then make it difficult for them to pay off the bill. Had this happened once, I might have written it off as my mistake. [ I'm never late in paying credit card bills and have an excellent credit score. ] However, it's now happened twice with XXXX XXXX/XXXX  XXXX. products. 

I'm a financially savvy person who knows to call the company ( Synchrony Bank ) and complain. What about the people who just get their first bill and then panic when they see the fees? It's not fair. Every other credit card company has to give people fair warning when bills are due. Maybe XXXX  XXXX will say they sent me my first bill and it must not have arrived. What are the odds of that happening twice? 

They deserve to be penalized for this persistent pattern and happy to give whatever evidence is needed to do so. Thanks.
Consumer complaint received 2024-09-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE (NC)

I am a victim of identity theft. I filed my Identity Theft Report with the Federal Trade Commission on XX/XX/2024 report I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed bysection XXXX ( a ) ( XXXX ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s2 ( a ) ( XXXX ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC 's Notice to XXXX, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. Please send me a letter explaining your findings and actions
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I am contacting you regarding unauthorized personal information associated with my identity. Several accounts and transactions have been erroneously linked to me without my consent or knowledge, causing considerable XXXX  and hardship. I have fallen victim to identity theft and have already reported this incident to the appropriate authorities. 

This situation has severely compromised my financial stability and personal reputation. I urgently request your immediate assistance in removing all fraudulent information from my credit report and conducting a comprehensive investigation into this matter. I am prepared to furnish any necessary evidence to support my case.
Consumer complaint received 2023-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (VA)

After being a customer for well over a decade, the company embedded hidden fees that they did not disclose close to the customer ; particularly sneaky as it's through the XXXX XXXX application. 

There was an old policy that a transaction at a brick and mortar casino is considered to be a cash advance. 

A transaction was made through an online platform that does not have a brick and mortar, casino, component, has social games and other products. This was done through XXXX XXXX where I've made dozens of other transactions all without any fee. 

Since this transaction went through XXXX XXXX, there was no indication that it would be considered a cash advance. 

The company did not disclose this rather the customer had to wait over 30 days to see it on a statement listed as such. 

Upon contacting the company, they had no explanation for why a transaction through a Wallet platform for a company that is not a brick and mortar casino would be considered a cash advance. 

Not only was this charge charged 10 times for a total of {$100.00}, but the company continues to try to collect interest on top. 

Again, their policy talks about a brick and mortar casino as a cash advance, which is understood, but this transaction was made to XXXX XXXX to an institution that has multiple products and services, but hes not a brick and mortar Casino. 

This is unethical on JP Morgans part and intended to increase their profits. 

I am a XXXX and can not afford to waste {$100.00}. Had J P Morgan indicated that this would be considered a cash advance I certainly would not of made this transaction much less 10 of them.

Im seeking full restitution as well as additional compensation for the time that I have put into this.
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. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

PER THE FCRA AS A FEDERALLY PROTECTED CONSUMER. I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION I THE CONSUMER MAY HAVE GIVING YOU WRITTEN AND UNWRITTEN VERBAL AND NON-VERBAL PER 15 USC 6802. 
ACCORDING TO THE PRIVACY ACT OF 1974 PLEASE REMOVE ALL NON MAILABLE ADDRESSES EXCEPT CURRENT ADDRESS PLEASE REMOVE ALL CHARGE OFFS- CHARGE OFF IS A CERTIFICATE OF INDEBTNESS AND IS CONSIDERED INCOME WHICH MEANS IT MUST BE REMOVED. 
PLEASE REMOVE PROMTIONAL INQUIRIES- I DID NOT CONSENT TO THESE INQUIRIES. 
THE LAW STATES THAT ITS ILLEGAL TO REPORT TRANSACTION HISTORY FOR CREDIT CARDS. PLEASE UPDATE AS PAID AS AGREED.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I XXXX XXXX have noticed some fraudulent accounts and unauthorized inquires on my credit report. 

Accounts XXXX. XXXX XXXX {$150.00} XXXX. XXXX XXXX {$520.00} Inquiries XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

XXXX XXXX has been asking XXXX, XXXX and TransUnion for corrected copies of his credit report since XXXX. XXXX has allowed his account to be hack, ghost debts to be reported and incorrect information detailing the debt owed to his child support reported by this company. XXXX had XXXX prior loans with bank XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. XXXX XXXX paid off his debts in full XX/XX/XXXX. XX/XX/XXXX, XXXX XXXX received a credit alert from XXXX, Transunion and XXXX stating the above-mentioned credit unions are still filing reports and attempting to collect on what is now considered a ghost debt, thus violating FDCPA and companies like XXXX, XXXX and TransUnion are allowing it to happen. These financial institutions are reporting these accounts as late of 60 days, with accrued interest but XXXX XXXX has already received his Titles in the mail, thus gaining complete ownership of asset held as collateral by this institution. Why is this highly recognized institution continuing harass, defame and embarrass XXXX by reporting negative remarks on his credit report? While is XXXX, XXXX and TransUnion allowing it? Damages have been caused by these unlawful acts thus damaging his credit file, credit report, credit worthiness and overall reputation. These acts of libel are stopping him from receiving access to the credit and funds promised to him under the credit reporting act that therefore would not be withheld without the acts of these vile predatory institutions. In addition to, XXXX, XXXX and Transunion has allowed the false reporting of the status of XXXX XXXX 's child support. For years XXXX has allowed this to report as late or past due over {$2000.00}. When XXXX asked for proof in the past of these debts, XXXX, Transunion nor XXXX provided any. XXXX is retaining legal counsel against XXXX, XXXX and Transunion if these acts of libel and false reports continue to ruin his credit.