davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-30
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. (AZ)

" According to the Fair Credit Reporting Act 15USC 1681 section 602 a states '' There is a need to insure that consumer reporting agencies use their grave responsibilities with fairness, impartiality, and a respect for my consumer 's right to privacy. '' Transunion is consumer reporting agencies and I am the Consumer. I have the right to make sure my private information is not shared which is backed by 15 USC 6801 which express " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customer 's non public personal information '' ( Furnisher of information to credit agencies ) the financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to Subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. " ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Transunion do not have my written or oral consent to furnish this information .Any and all consent to Transunion whether it be verbal, non-verbal, written, implied or otherwise is revoked.15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose non public personal information to a non affiliated third party unless-the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Also the 15 USC 1681C ( a ) ( 5 ) says " Except as authorized under subsection ( b ), 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 precedes the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681 estates " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Transunion are not maintaining reasonable procedures. As well 12 CFR 1016 states " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services
Consumer complaint received 2023-08-04
Product: Credit card or prepaid 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. (TX)

On XXXX XXXX I lost my phone with all my personal information in it. Then on XX/XX/2023 there was a fraudulent charge of {$470.00} on my credit card. As soon as I noticed the charge on my account I called Chase customer service which was on XX/XX/2023. When I called they were able to cancel my credit card and send me a new one. They also told me not to worry about the charge that they will take care of it. On XXXX XXXX they sent me a letter saying that they will not take care of the charge and that I would have to pay for it. Even though I never authorized or purchased anything with my credit card they were going to add the charge back to my account. I don't have the money to pay for that charge and I find it completely unethical that they are making me pay for something I never purchased. When I called on XXXX XXXX to reassure them that I never made that purchase and that they probably stole my information through my lost phone they only said they would look into it but told me that more than likely I'm going to have to pay that charge.
Consumer complaint received 2023-07-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IN)

I was on bill pay to schedule a Motgage payment, for some reason it went to my previous mortgage company, that company was closed when the check was cashed. I called Chase to put stop payment on that, they told me they will try to find out whats going on and never received any respond from them since. Is there any way we can trace who and when this check got cashed? I also went to the Bank and they told me there is nothing they can do ; so am I just losing my {$5300.00}? As a XXXX XXXX, is there anything I can do at all?
Consumer complaint received 2023-11-30
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. (TX)

In accordance with the fair Credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and feel my rights are being taken advantage of 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Consumer complaint received 2023-11-30
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. (FL)

These reporting agencies have engaged is abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished these accounts that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More less they did not follow the proper five step validation procedure which make this unfair practices. ACCORDING TO THE FDCPA I'M ENTITLED TO XXXX DOLLARS PER VIOLATION AND CLEARLY THEY VIOLATED MY RIGHT!
Consumer complaint received 2023-11-30
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. (FL)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a 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 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

send them emails to verify those accounts but they never did any investigations on those accounts. they didn't verify me with anything or write me any letter with any kind of verification mail. I just checked my credit report and it shows nothing was done by the credit bureau. all my information is still there nothing has changed from the last letter i sent to them.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To whom It may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$840.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion.
Consumer complaint received 2024-05-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc. (NJ)

I underwent an embryo transfer at the end of last year in XXXX, resulting in a {$100.00} balance in my XXXX financial account. The bill from XXXX was sent in XX/XX/XXXX, and I paid the balance on XX/XX/XXXX. Unfortunately, XXXX did not update my payment in their system and forwarded my information to AR Resources, a debt collector. 

In XX/XX/XXXX, I received the first letter from AR Resources stating that I had an outstanding balance due to XXXX. Upon receiving the letter, I immediately contacted XXXX 's financial department and spoke with XXXX to update their system and inform AR Resources that the balance had been paid. 

Despite this, on XX/XX/XXXX, AR Resources sent me another letter claiming that XXXX notified them my outstanding balance remained unpaid. This is highly irresponsible and has caused unnecessary stress and inconvenience for me. It is AR Resources ' responsibility to ensure that account balances are accurate and updated.
Consumer complaint received 2024-05-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG HOLDINGS INC (NJ)

DEAR XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) ; I'M NOT LIABLE. I demand that this be deleted from my credit report effective today as I do not recognized this account, no knowledge and no prior contractual obligations with this company. You violated my rights rights under 15 USC codes sections 1692 d, e f g of FCRA/FDCPA. Remove from my credit report. You violated 1692d of the FDCPA by engaging in conduct that the natural consequences of which was to harass, oppress, and abuse client in connection with the collection of an alleged debt and the collection letter you sent me which contains veiled and empty threats of legal action ; You violated 1692e of the FDCPA by its use of any false, deceptive, or misleading representation or means in connection with the collection of any debt when you engaged in, at least, the following discrete violations of 1692e ; You violated 1692e ( 2 ) ( A ) of the FDCPA with its false representation of the character, amount, or legal status of any debt and the collection letter you sent me which contains veiled threats of legal action against me, the client ; You violated 1692e ( 5 ) of the FDCPA by its threat to take any action that can not legally be taken or that is not intended to be taken when you sent me the collection letter contains veiled threats of legal action against me, the client ; You violated 1692g ( b ) of the FDCPA by engaging in collection activities that overshadowed or was inconsistent with the disclosure of the consumers right to dispute the debt with the language it used in the Collection Letter ; and You violated 1692f of the FDCPA by its use of unfair or unconscionable means to collect or attempt to collect any debt when you engaged in all of the misconduct alleged herein.
Consumer complaint received 2023-11-30
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. (GA)

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 Section 602 ( a ), it is emphasized that consumer reporting agencies, such as Transunion and XXXX, must carry out their responsibilities with fairness, impartiality, and a commitment to respecting the consumer 's right to privacy. As the consumer, I assert my right to safeguard my private information, as supported by 15 USC 6801, which underscores the congressional policy that financial institutions, including furnishers of information to credit agencies, are obligated to uphold customer privacy and protect nonpublic personal information. 

In line with 15 USC 1681, Section 604 ( a ) ( 2 ), I want to highlight that any disclosure of my consumer report must strictly adhere to my written instructions. As of now, neither the financial institution ( furnisher of information to credit agencies ) nor the consumer reporting agencies ( Transunion and XXXX ) possess my consent, whether verbal, non-verbal, written, implied, or otherwise, to furnish this information. 

Referring to 15 USC 6802 ( b ) ( c ), it is clear that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer about their nondisclosure options. Unfortunately, the furnisher of information to credit agencies failed to provide me with an explanation of how I can exercise my right to nondisclosure. 

Moreover, according to 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies are prohibited from including certain adverse information in a consumer report without authorization. The current reporting of adverse information without my permission is a violation of this provision.

The FCRA, in 15 U.S. Code 1681s-2 ( A ) ( 1 ) A, explicitly states that furnishing inaccurate information to consumer reporting agencies is prohibited. Transunion and XXXX, by not maintaining reasonable procedures as required by 15 U.S. Code 1681e, are failing to abide by the law. 

Lastly, following 12 CFR 1016.7, I hereby exercise my right to opt out of your reporting services at any time. It is imperative that my wishes are respected and that my private information is handled in strict compliance with the relevant statutes and regulations.
Consumer complaint received 2023-11-30
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. (TX)

I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.
Consumer complaint received 2024-05-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Wolf River Development Company (NV)

I needed to get my car fixed and couldn't get a bank loan. Got approved with Crane finance for {$500.00} not realizing they charge an APR of XXXX. I'm paying {$1500.00} in charges. That's XXXX x my loan amount. Should have read my loan agreement better.
Consumer complaint received 2023-12-28
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. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-02-18
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (AR)

I was awarded a {$500.00} AmericanExpress gift card from my work in XX/XX/year>. I have been able to use the card once and it has been subsequently declined every time I have attempted to use it since. 

It currently has {$330.00} remaining balance ( confirmed by AmEx today ) and was unable to use it at XXXX.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I paid off the full balance of my XXXX XXXX XXXX XXXXXXXX ) credit card ending in XXXX. I requested all cash back dollars to be paid out in XXXX of XXXX. I requested that the account be fully closed in approx. XXXX of XXXX via phone. The account was REMOVED from the online banking AND app banking systems. Statements were NO LONGER BEING PRODUCED. To my knowledge, the account was closed successfully. The absence of this account on ANY records, support that they began the process of closing the account, but did not report it in a timely manner to credit bureaus. 

In XXXX of XXXX, I was notified that they were closing my account : which was supposed to have been closed several months prior. I relayed this to multiple representatives, none of whom were able to assist in any notable capacity. 

XXXX is refusing to correct their tardy credit reporting. They are refusing to audit the account history. They are refusing to supply documents to me to review personally. 

After attempting to resolve issue in XXXX of XXXX, I did not receive any new emails or letters about this account ending in XXXX. Now after months have passed, they are YET AGAIN showing this account as active in email messages : this demonstrates their inability to properly monitor and document the status of this account. ( see attachment )
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

This is XXXX 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 2023-11-30
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. (NJ)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2023-12-15
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. (NJ)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-02-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: States Recovery Systems, Inc. (NC)

STATES RECOVERY SYSTEM.has obtained my nonpublic personal information as a result of material misrepresentation, fraud and identity theft pursuant to 15 USC 1681a ( q ) ( 3 ) and F.S 817.568 ( 2 ) ( a ). STATES RECOVERY SYSTEM is in unlawful possession of the consumers private financial information and have used and shared it with third parties which include but may not be limited to consumer reporting agencies without authorization.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

There were multiple and duplicate inquires on my TransUnion report. Ive called and was told to mail in my ftc report and police report regarding the inquires as well as the fraudulent account by XXXX XXXX  via certified mail.
Consumer complaint received 2023-11-30
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. (MA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.