davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-19
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)

Under the Fair Credit Reporting Act ( 15 USC 1681 ), consumer reporting agencies, including XXXX, XXXX, and Transunion must handle their responsibilities fairly and respect consumers ' privacy rights. As per 15 USC 6801, financial institutions, including XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, are obligated to protect customers ' nonpublic personal information. However, I haven't provided written consent for disclosing my information to XXXX, XXXX, or Transunion by any financial account on my report as required by 15 USC 1681 section 604 ( a ) ( 2 ). 
Moreover, 15 USC 6802 stipulates that a financial institution can not disclose nonpublic personal information without informing the consumer of their right to nondisclosure. Unfortunately, I was not informed of this right by the information furnisher. Additionally, XXXX, XXXX, and Transunion are reporting adverse information without my permission, violating 15 USC 1681C ( a ) ( 5 ) and 15 U.S. Code 1681s-2 ( A ) ( 1 ), which prohibits furnishing inaccurate information. 
Furthermore, XXXX, XXXX, and Transunion are not maintaining reasonable procedures as mandated by 15 U.S. Code 1681e, and 12 CFR 1016.7 affirms my right to opt out of such reporting at any time. Therefore, I am exercising my right to opt out of their reporting practices.
Consumer complaint received 2024-03-21
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. (FL)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX XX/XX/2023 XXXX XX/XX/2023 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2023-11-19
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. (CA)

These inquiries are unauthorized and they are not related to any transactions by me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-19
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. (LA)

I am a XXXX veteran who unfortunately has had ID theft occur due a data breech with the XXXX XXXX XXXX XXXX XXXX. I have a fraudulent account with a credit card company called XXXX XXXX XXXX XXXX  that was opened on are around XXXX of XXXX. I have sent documents directly to TransUnion and they responded back sometime later claiming I was lying, and they refused to take any action or remove anything. As a XXXX veteran I can not always catch things right away especially when it comes to my credit. Both of the other credit agencies took care of this fraudulent account with no issues. I Will attach the supporting documents once more to this complaint showing this fraud account is not mine. I have also had several FRAUD inquires that need to be addressed Aswell. If TRANSUNION can not provide me with proof these inquiries were done by me then they need to be removed ASAP. Thank you XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX 4.XXXX  XXXX XXXX Inquiry : XX/XX/XXXX 5.XXXX  XXXX Inquiry : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2023-11-19
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. (LA)

In accordance with the fair credit reporting act XXXX XXXX XXXX, XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy. 15 USC1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B. 

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose Respectfully, XXXX XXXX
Consumer complaint received 2023-11-19
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. (TX)

I have disputed bankruptcies on my credit report with Transunion, XXXX and XXXX credit bureau for the second time. they are telling me that the information is being verified, I contacted the courts and they have informed me via a letter that they do not verify information as to whether people file bankruptcy 's or not so they did not get the information from them and that they would not give out that type of information because it is a violation of one 's privacy and I will attach letter that I received from the bankruptcy court. TransUnion, XXXX and XXXX has informed me via a copy of my credit report that they verified this information through a third party which is XXXX XXXX and per the FCRA 623 ( a ) ( 5 ) I a credit bureau can not validate the information on someone's credit report with the original creditor they must remove said information from the consumers credit file/report, I will also attach the letter that I sent in reference to this code. as per 15 USC 1681 there should not be any negative information on my report that is not accurate. I am a very concerned because my credit report is showing discrepancies, and I am a very concerned consumer. And want only true information about me reported. please remove these inaccuracies because you are in violation. and i was XXXX  at the time that these bankruptcy were filed.
Consumer complaint received 2023-11-14
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In accordance with the Fair Credit Reporting Act Capital One has violated my rights under 15 USC1681 section 602 states I have the right to privacy 15 USC 1681 Section 604a also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 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.
Consumer complaint received 2023-11-19
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. (CO)

To Whom It May Concern, The Company Was Put on Notice with the Delivery of the Following USPS Mail Tacking Number : XXXX I, XXXX XXXX In representation of XXXX XXXX XXXX, XXXX Beneficiary, claimant, am writing to inform XXXX, XXXX XXXX TRANSUNION that XXXX XXXX has been reported as a victim of defamation, financial injury, and violations under FCRA Section 605 ( c ) and Section 611 Part ( A ) ( 1 ). This notice is not an attempt to dispute any part of these fraudulent accounts but a legal and lawful demand. Therefore, I am not legally obligated or liable to pay any of these fraudulent accounts or debts under the FCRA. XXXX XXXX has not presented a valid contract with a signature, although it has been requested in the previous affidavit. I want to make it clear that I am reserving all rights under my consumer credit profile with your company as a consumer under the Fair Credit Report Act. XXXX, XXXX & TRANSUNION do not have the legal authority to decline this demand to block information on the basis of a misrepresentation of fact by the consumer or any other reason under 905B ( c ). Kindly send notice if XXXX, XXXX & TRANSUNION declines to block information and provide proof of your claim supported by an affidavit that NAME HERE misrepresented any fact contained herein. Failure to comply with any requirement imposed under 15 U.S. Code Subchapter III- Credit Reporting Agencies will constitute your organization 's willful/negligent non-compliance, making your organization civilly liable pursuant to 15 U.S. Code 1681n and MD Code, Commercial Law, 14-1213 for actual and punitive damages along with attorney fees. I do intend to sue your organization and file a complaint with a court of general jurisdiction in the state of Colorado for your non-compliance with federal and state law. Please govern your actions accordingly and send a corrected report promptly. Parties are subject to fines and a minimum of {$1000.00} per fine under the FCRA ( Fair Credit Reporting Act ). Sincerely, XXXX XXXX XXXX, XXXX Beneficiary In representation of XXXX XXXX, claimant.
Consumer complaint received 2023-05-09
Product: Mortgage — VA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Freedom Mortgage Company (CA)

In accordance with the Federal Reporting Act, this creditor, Freedom Mortgage has violated my rights. Under 15 USC 1681 Section 602 states that I have the right to privacy, 15 USC 1681 604A Section 2 states that a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1681 section 623 ( a ) ( 7 ) states, Negative Information Notice Section 623 ( a ) ( 7 ) ; 15 U.S.C. 1681s-2 ( a ) ( 7 ) ; 12 CFR 1022.1 ( b ) ( 2 ) ( ii ) Section 623 ( a ) ( 7 ) requires a financial institution to provide consumers with a notice either before it provides negative information to a nationwide consumer reporting agency, or within 30 days after reporting the negative information. None of these actions were appropriately taken.
Consumer complaint received 2024-04-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

I have a checking account with Chase bank. There seems to be a security breach. My account was compromised and someone used my debit card for a XXXX XXXXransaction. a fraud issues was registered with Bank on XX/XX/2024, case # XXXX. I have been taking a follow up from Bank to provide the details of the security breach, unable to get a response. 

On a courtesy, Bank credited back the transaction amount and cancelled my exsitng debit card. 

I do not use my debit card and it is so surprising how the debit card details leaked in bank.
Consumer complaint received 2023-07-13
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$6100.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$5500.00} XXXX XX/XX/XXXX
Consumer complaint received 2018-09-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (MA)

I sent money to Coinbase from my bank account which records show was transferred on XX/XX/2018 to purchase digital currency. 
The Company say 's it takes about 3 days after clearance to make digital currency available. After several days my account shows that funds would not be available for 30 days. I contacted Coinbase by email and after a few attempts was told they would investigate the matter. Problem not solved. I was requested to upload for the second time photo identification and drivers license identification which I did successfully as in the first instance. 
After a couple of days my account shows that the funds would not be available for 70 days. Up until now as you will see by the email exchange that no explanation was given as to why this has happened. 
After several more email exchanges with no explanation of when my funds would be made available I sent an email requesting that my account be closed and my funds returned. After 3 days I received no response so on XX/XX/2018 I made a phone call and and spoke with an agent explaining the problem. He went through the email exchanges and acknowleged the problem but could not offer any reason for my funds being tied up so long and requested that I submit another identification verification by uploading my photograph and drivers licensce for a third time. I informed him I would not do this again and let him know this was a courtesy call as a follow up to my last email that I wanted to close my account and the the funds returned. I was informed he could do nothing more for me. I let him know I would make a formal complaint to the proper agencies and he gave me the address to Coinbase Legal Dept. 
I am simply seeking to have my money returned. It is totally unfair for them to confiscate my funds for this long.
Consumer complaint received 2023-03-18
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX With a balance of XXXX XXXX Has violated my right 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
Consumer complaint received 2023-07-22
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: General Motors Financial Company, Inc. (IL)

GM FINANCIAL reported late payment for XX/XX/XXXX and XX/XX/XXXX 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 604 A section 2 its also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I hope you can help! I sent a letter to the credit bureaus on XX/XX/2023 and gotten a response and i still have inaccurate information on my report! My understanding is that Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. I will list the accounts below! 

1. Validate Account XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
3. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
4. Identity Theft XXXX  Account Number : XXXX Please investigate and delete from my credit report 4. Identity Theft MONTHLY PAYMENT Account Number : XXXX Please investigate and delete from my credit report. 
5. Identity Theft MONTHLY PAYMENT Account Number : XXXX Please investigate and delete from my credit report. 
6. Identity Theft MONTHLY PAYMENT Account Number : XXXX Please investigate and delete from my credit report. 
7. Identity Theft MONTHLY PAYMENT Account Number : XXXX Please investigate and delete from my credit report
Consumer complaint received 2024-02-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Block, Inc. (IL)

I added {$10.00} to my Cash App account from my XXXX XXXX account but the money is missing. Cash App is claiming that the money was never transferred to my Cash App account even though I spent it using my Cash App debit card and also received a 5 % discount on my purchase. 

As a result of using my Cash App debit card to make purchases I now have a negative Cash App account balance. Cash App owns me money.
Consumer complaint received 2018-09-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I applied for a loan modification today and SPS would not talk to me about the modification. The representative stated that he referred my account to a foreclosure attorney. SPS is practicing dual tracking. This is illegal and I think that SPS is doing this to me because Im XXXX XXXX. My constitutional rights have been violated. I would like to be offered a modification l like the other XXXX   people in my neighborhood. Also, please know that my home is tied up in litigation and thus SPS can not foreclose on my house.
Consumer complaint received 2024-04-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CO)

On XX/XX/XXXX, XXXX checking account was suddenly closed by Chase Bank, And not tell me why., and told me that I would receive a check for the balance of the account, but until now I still have not received my check, it has been half a year, during which I called many times to inquire, They told me it was under review., and all of them are the same perfunctory answers.
Consumer complaint received 2023-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BARCLAYS BANK DELAWARE (FL)

THIS IS THE TEXT OF MY COMPLAINT FILES WITH BARCLAYS 'S BANK regarding my JET BLUE MasterCArd Credit Card This is regarding my complaint # XXXX regarding a Balance Transfer that I did back on XX/XX/ under 0 % BALANCE TRANSFER OFFER. Somehow I am being charged HIGH REGULAR INTEREST for that balance transferred, when the ONLY REASON why I made it was to get the benefit of the 0 % INTEREST RATE to pay over the time. 

There is no logical way that a Customer prefers to pay interest on a Balance Transfer over a 0 % OFFER in any way. NO ONE IS SO XXXX!!!! 

I waited 5-7 business days and called again to be disappointed to hear from XXXX that the case has not even been moved anywhere. I asked to be transferred to a MANAGER and I was told that it would take 48-72 Hours for that to happen. I HOPE IT HAPPENS before my next payment date on XX/XX/. 

The agent who took care of me today XXXX credited me some of the interest or fees but that's not all that has been charged so far. A FINAL RESOLUTION WILL BE THAT THE INTEREST Rate be adjusted to 0 % honoring your offer. and all interest charged to be void
eversed. 

So far, I see that I have been charged interest on the Balance Transfer for the past two ( 2 ) statement periods, in addition to the {$75.00} initial fee. 

Sere below that I paid in full the credit card balance on XXXX just to have the amount under 0 % Balance Transfer to pay over the time. 

INTEREST CHARGE-BALANCE T XXXX XXXX XXXX  {$39.00} XX/XX/2023 {$17.00} Payment Received XXXX XXXX XXXX XXXX {$1400.00} BALANCE TRANSFER FEE XX/XX/2023 {$75.00}
Consumer complaint received 2023-05-09
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. (GA)

You are in direct violation of the fair credit reporting act XXXX XXXX XXXX  XXXX has violated several of my rights. 

15 U.S.C 1681 sec 602 A. Clearly states that I have a right to privacy.

15 U.S.C 1681 sec 602 A. Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B. A creditor may not treat a payment on a credit card account under a open-end consumer credit plan as a late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.