davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-16
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. (AZ)

ID theft under FCRA and other regulations please remove these accounts : FTC AND ADDRESSES AND ID ATTACHED. POLICE REPORT ON 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 XXXXXXXX
Consumer complaint received 2024-05-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/2024, I contacted the customer service of my credit card company, Bank of America, to request the closure of my credit card account. Despite this request, I discovered on XX/XX/2024, that not only had the account not been closed as requested, but an annual fee had been charged to the account. Additionally, due to this unauthorized annual fee, I have also been charged a late payment fee, and a late payment has been recorded by the credit reporting bureaus. 

Specific actions and amounts involved are as follows : XX/XX/2024 : Called to request account closure before the annual fee posting date. 
The customer service asks me to pay rest of fee ( XXXX ) and leave all annual fee related fee to be waived. 
XX/XX/2024 : Noticed the account was still active with the following unauthorized charges ( XXXX ) : a. Annual Fee : Charged for the year 2024. 
b. Late Payment Fee : Incurred due to the non-payment of the unauthorized annual fee. 
c. Interest Charges : Accrued on the unpaid annual fee. 
These charges were in error as the account was supposed to be closed per my request on XX/XX/2024. Furthermore, the late payment reporting has negatively impacted my credit history, which is a direct result of the companys failure to close my account as instructed.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

This is XXXX XXXX please 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 2024-04-17
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)

I HAVE SEVERAL ITEMS ON MY CREDIT REPORT THAT DO NOT BELON TO ME. I FILED A COMPLANIT WITH FTC REPORT, CONCERNIN TE ITEMS THAT IS LISTED. THE ADDRESS LISTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-11
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. (GA)

Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER, given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX  and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate. After checking all three of my consumers reports with ( Transunion, XXXX and XXXX ) I have no knowledge of the following inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-04
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. (MI)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX  XXXX XXXX Balance : $ XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - Requested investigation of public records on all XXXX credit reporting agencies, XXXX, TransUnion, XXXX. 
Court clerk- Public record shows both bankruptcy were filed but never processed & cases dismissed. Unable to validate person making cases. 
Public information listed on court records but no proof that it belongs to me. Talked to court clerk & stated information listed can be anyone with the same name or social security number. No information is verified as to the correct identity of the person. 
XXXX get all their info listed in public records with no of identity validation. 
XXXX, XXXX XXXX TransUnion all state they take the statement of XXXX as their proof.
Consumer complaint received 2024-04-17
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. (MI)

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 XXXX 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 2023-12-11
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)

This is NOT a duplicate report and this is not filed by a XXXX party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Account Name : XXXX ( Original Creditor : XXXX  ) Account # XXXX Account Name : XXXX XXXX ( XXXX XXXX : XXXX XXXX ) Account # XXXX Account Name : XXXX ( Original Creditor : XXXX  ) Account # XXXX Account Name : XXXX ( Original Creditor : XXXX ) Account # XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Account # XXXX Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # XXXX Account Name : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  ) Account # XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX ( Original Creditor : XXXX  ) Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX ( Original Creditor : XXXX ) Account # XXXX Furthermore, please provide the following : XXXX. The Original Contract With My Signature On It XXXX. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) XXXX. The Payment History and Itemized Billing Associated With Each Account XXXX. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Consumer complaint received 2023-11-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NC)

I was scammed through cash app for {$700.00} someone stole my phone and cash app card and uploaded {$700.00} from my bank account. I filed a police report for the missing phone and stolen money and sent it to cash app for proof and they still denied my claim. My bank also told me they would have to contact cash app to get them to work with them and dispute but cash app doesnt want to do my dispute and refund because they havent took any action and they didnt provide any reason for denying my dispute.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the XXXX XXXX XXXX XXXXXXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2023-12-11
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. (TN)

I notice a charge off from XXXX XXXXXXXX XXXX  reporting on my credit reports. A charge of is considered a certificate of indebtedness. According to the Internal Revenue Services, if debt is canceled, forgiven, or discharged for less than the amount owed, the amount of the canceled debt is taxable. If taxable, i must report the canceled debt on my tax return for the year in which the cancellation occurred, which is considered income. Income can not be reported on my credit report so the charge off must be removed.

My credit utilization is reported on my credit report. It illegal to report transaction history according to the Fair Credit Reporting Act. As a consumer, I value the accuracy and fairness of the information in my credit report. Could you please provide insights into the specific legal provisions, especially under the Fair Credit Reporting Act ( FCRA ), that govern the reporting of transaction history? Additionally, I would appreciate any clarification on how the inclusion of transaction details aligns with privacy regulations.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

Currently account is showing paid as agreed. No payment has been made on my behave I would proof of such payments. this would be incorrect reporting. Last Activity date across Experian, XXXX and XXXX should be the same, another incorrect reporting.
Consumer complaint received 2023-04-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

On XX/XX/2023, I sent a letter regarding inaccurate and unknown things on my credit report. Over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), plainly states 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 45 days now so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me.
Consumer complaint received 2023-12-11
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. (MI)

Correct name and address that should be reported. Remove all names and old addresses from credit report. One name a d one address should be reported. Enclosed be find a copy from secretary of state with Correct name and address
Consumer complaint received 2023-12-11
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)

There are several accounts being reported as delinquent or as closed acccounts and that information is not accurate. 

these accounts do not belong to me and need to be removed its a clear case of identity theft. 
XXXX XXXX XXXX The XXXX XXXX/ XXXX These accounts have been disputed numerous of times and these bureaus have failed to remove the inaccuracies, placing a burden in my life.
Consumer complaint received 2023-12-11
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)

XXXX Account number XXXX has violated my rights. In accordance with 15 USC Code 1681a-Definitions ; rules of construction ( 2 ) EXCLUSIONS- Except in paragraph ( XXXX ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC Code 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.15 USC 1681 section 602A states I have the right to privacy.15USC1681s-2 ( A ) states that a person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-11
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. (FL)

I want you to investigate this inappropriate information on my credit report and after investigating please delete it! 


Account Number : XXXX XXXX Account number XXXX Date Opened XX/XX/XXXX Balance {$820.00} Account Number : XXXX XXXX XXXX Account number XXXX Date Opened XX/XX/XXXX Balance {$1700.00} Account Number : XXXX XXXX XXXX XXXX Account number XXXX Date Opened XX/XX/XXXX Balance {$0.00} Account Number : XXXX XXXX Account number XXXX Date Opened XX/XX/XXXX Balance {$770.00} Account Number : XXXX XXXX XXXX Account number XXXX Date Opened XX/XX/XXXX Balance {$0.00} Account Number : XXXX XXXX Account number XXXX Date Opened XX/XX/XXXX Balance {$1900.00} Account Number : XXXX XXXX Account number XXXX Date Opened XX/XX/XXXX Balance {$2900.00} Inquieres -- -- -- -- -- XXXX XXXXI XX/XX/XXXX AXXXX 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 2023-11-28
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

In late XX/XX/2023, I was enticed by advertising of a special offer ( hence forward : the offer ) posted at my local branch of JP Morgan Chase Bank ( hence forward : Chase ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, into applying for a Wepay credit card transaction processing machine ( hence forward : the machine ). I was vetted by various levels of Chase personnel, both at the branch and in other remote locations, received credentials to process transactions on line, and received the machine by mail. 

I started processing transactions consistent with my business and Chase terms of service in XX/XX/2023. My fourth transaction, which I processed on XX/XX/XXXX, remained pending ; on XX/XX/XXXX I received a Chase email telling me my account had been closed due to " high risk of chargebacks or dispute rate '', causing considerable damage to me and my business practices. This also put me in the position of not being able to fulfill my obligations stated in the terms of the offer, which were : I would receive a {$400.00} bonus after processing {$2000.00} in at least 5 separate transactions within 90 days of account opening. The bonus would have offset the amount Chase was charging me for the machine, {$330.00}, and processing fees for {$2000.00} worth ot transactions. In the following days and weeks, in response to my inquiries, I received further and contradicting notices as to how long funds would be withheld for. To this day, Chase has not completed the XX/XX/XXXX transaction for {$450.00} ; notifying me, at various stages, that that amount, or any other, could be deducted from my business account tied to the merchant account the credit card transaction processing machine relayed to. I have, and continue to have, an otherwise amicable 20 years relationship with Chase, entailing spotless conduct in my business and personal accounts. 

During the intervening 7 months, I have made countless telephone calls and in person visits to the bank; sent emails to various bank officials, and made myriad other efforts to resolve the dispute to reciprocal satisfaction ; to no avail. On XX/XX/2023, I received a written response declining my request for indemnification and started to patiently wait out the longest time lapse Chase had mentioned pertaining the missing payment. Once I saw no further recourse, I resolved to file this action. In my view, I am a victim of : false advertising by Chase and the entrapment it triggered ; fraudulent practices, as well as intentional damage to my business and reputation, and various violations of New York State and Federal Banking Laws. I wonder what effect this incident may be having on my ( till then scintillating ) credit rating. Chase 's staggering, arbitrary decision is causing me and my business additional damages, and I feel some of my basic civil rights have been violated. The resulting direct, immediate monetary damage, I quantify in USD XXXX plus interest.
Consumer complaint received 2023-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (CA)

I called XXXX and XXXX to get a balance letter emailed to me and they said it they could not at the time but yet my balance is at {$0.00}. They stated I have to wait for it. Its been over a week and have not received. I need these off my report. The balance is at XXXX on both accounts. They are not willing. XXXX was for XXXX XXXX  XXXX was for synchrony bank XXXX acct
Consumer complaint received 2023-12-11
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. (MO)

15 U.S. Code 6805 - Enforcement I need the Consumer Financial Protection Bureau ( CFPB ) to open up and do a thorough investigation into the major credit bureaus regarding the credit bureaus refusing to delete and remove fraudulent hard inquiries from a consumer credit report and UPDATE TO PAID AS AGREED reporting inaccurate information and violating my privacy rights. These accounts have violated and are not in compliance with law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 inquiries are in violation according to the several non-mailable addresses that I have demanded to be removed that are affecting my report. As a federally protected consumer under the Federally Protected Consumer Act The Privacy Act of 1974 my rights have been majorly violated by these reporting companies and agencies. Not one company has permission to report my information. they do and are reporting inaccurately.

15 USC 6802 : Obligations with respect to disclosures of personal information IT IS ILLEGAL TO REPORT TRANSACTION HISTORY -15 U.S. Code 1681b - Permissible purposes of consumer reports no company has received my written non written verbal nonverbal consent to do publish my personal information on my report the information according to15 usc 1681 ( b ) ABOVE ALL THINGS TRANSUNION ACCORDING TO SEC.FILINGS IS NOW TRANSUNION INTERMEDIATE HOLDINGS, INC. A REPORTING AGENCY I DO NOT KNOW i did not consent for them to receive any information.

TRANSUNION /TRANSUNION INTERMEDIATE HOLDINGS , INC , XXXX XXXX XXXX ARE IN VIOLATION OF MY RIGHTS ARE IN VIOLATION OF THE LAW I AGAIN DID NOT GIVE ANY CONSENT FOR ANY THIRD-PARTY COMPANY TO RECEIVE MY INFORMATION ALSO AS AN INTERNATIONALLY PROTECTED PERSON PROTECTED UNDER THE GENEVA CONVENTION 18 USC SUBSECTION 112 MY RIGHTS TO PRIVACY HAS BEEN VIOLATED AND FURTHER FEDERAL ACTION IS IN ROUTE