davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear Transunion, On XXXX XXXX I mailed ( tracking # - XXXX ) a dispute for the following inaccurate accounts listed on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I accordance with the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C1681I ) and Metro 2 compliance standards, I challenged all inaccuracies or deficiencies of reporting. Transunion failed to remove the above inaccurate/deficient accounts. 

On XXXX XXXX I mailed ( tracking # - XXXX ) a letter requesting Transunion 's method of verification to include the following : 1 Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 
2 What certified documents were reviewed to conclude your investigation? 
3 Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 
4 What did it cost your company to obtain the documents needed to complete your investigation? 
5 Please provide proof of your timely procurement of certified documents. 
6 Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 
a If yes to above : i Who did you speak to? 
ii On what date? 
iii How long was the conversation? 
iv What was their position? 
v What telephone number did you call? 
vi What is the name of the employee of your company that spoke directly to the above party? 
vii What is the position of the employee of your company that spoke directly to the above party? 
viii How long has that employee been employed by your company? 
ix What formal training was provided to this employee to investigate items of this kind? 
x Was there any e-mail or written communication between members of your company and the above party? 
8 Provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question. 
9 Provide the date of the commencement of delinquency. 
10 Provide the SPECIFIC date reporting that these items will cease. 

Transunion did not provide to me the information required by law and the allotted time frame to provide this information has expired. I have documented all of my efforts and will seek any legal remedy available to me. 

This information must be deleted immediately to avoid civil liability.
Consumer complaint received 2020-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NC)

I have a delta skymiles gold credit card via american express. This product has an annual fee from 2nd year forward of {$95.00} annually. American express failed to provide me options on their no annual fee airline card during initially agreeting to get this card and during the life time of this card account. i had to find this out on my own. This is deceiving sales tactics. I asked them to refund me the fee for XXXX and now XXXX, they are refusing to refund the $ XXXX/year fee.
Consumer complaint received 2022-11-28
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. (MO)

There are inaccurate accounts on my credit report. 
U.S.CODE 1611-CRIMINAL LIBILITYY for willful and knowing violationly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.

15 U.S.C. 6803 -Disclosure of Institution privacy policy 16 C.F.R 433.2 Preservation of consumer 's claims and defence, unfair or deceptive acts or practices.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, 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)

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX via XXXX XXXX  inquired on XX/XX/ XXXX XXXX XXXX  inquired on XX/XX/2022 and XXXX XXXX via XXXX XXXX inquired on XX/XX/. 

The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.
Consumer complaint received 2023-04-30
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: Experian Information Solutions Inc. (NJ)

x n accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX has violated my rights. 

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 2021-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (PA)

This is not a duplicate. I am filing this because Equifax refused to respond to my complaint. 

Instead, they claimed in their response that I had said that there was inaccurate information on my credit account. I DID NOT SAY THAT. 

I am asking Equifax to respond to my complaint about lifting the credit freeze. 

Attention CFPB : Please be sure that EQuifax responds to my complaint about the credit freeze. This is not a problem with inaccurate items on my account. 

I put a credit freeze and fraud alert on my account with Equifax a couple years ago. When I applied for credit a year or two ago, I needed to remove the freeze and fraud alert. So I snail mailed then the required information. But it was never lifted. Equifax never fixed the problem a couple years ago. I didn't follow up on it back then because the banks I was using used other credit reporting companies. But now I see that it is a problem, because XXXX uses Equifax. Today I applied to open a bank account at XXXX XXXX, but was turned down because of the freeze and fraud alert. So I went online to unlock the freeze. But there is still a fraud alert, so I couldn't open the account. I tried to phone Equifax XXXX, but the voice ID doesn't work, and the hold time is interminable.
Consumer complaint received 2023-01-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc (IL)

I tried to add {$98.00} to my PayPal card ( XXXX XXXX XXXX  on the mobile app using XXXX XXXX. XX/XX/23 XXXX today. Transferring {$98.00} to said account. Theres a missing transaction. 3 hours later and the XXXX XXXX XXXX said it was status cleared to said account
Consumer complaint received 2021-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (PA)

I have a Citibank Doublecash credit card, which I misplaced. 

I phoned Citibank XXXX and the automated message asked me for my credit card number, which of course I don't have because I lost it. 

So the message said that I could access the system another way, by putting in my social security number, which I did. It then asked me for the last four digits of my credit card! 

XXXX am I supposed to put in my credit card number when I lost it? 

So I found another phone number for Citibank, XXXX, and managed to speak with a representative. But the connection was muffled and we had difficulty hearing each other. She asked me for my SS # which I gave her. Then I asked her to repeat the number to make sure she had heard it correctly- which she refused to do! So I hung up, because if she has the wrong SS # she is useless.
Consumer complaint received 2020-08-03
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. (NY)

I recently sent letters over 45 days ago to the credit bureaus and they are disregarding a regular consumer dispute. I am stressed and have been sending letters before this and i still have not received no response. 

Today XX/XX/2020 i am reaching out to the bureaus again but this time i am also filing a complaint with you guys since i have not got any correspondence back from them. Hopefully you can help me get this matter under control. This is blocking me from opportunities. I just want everything that is an error to be corrected. i will greatly appreciate your help with this matter. 

I have accounts such as XXXX, inquires from banks that i did not authorize etc. Hope to hear from somebody soon so that we can get this under control and figured out. Thanks in advance.
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have obtained my credit report and noticed the company XXXX is reporting inaccurate information on my credit report. I have attached my account balance showing that I am not past due and also that XXXX is reporting conflicting information on my consumer report. 

Consumer reporting agencies have a vital role and have a responsibility to report to the best of their ability with Maximum accuracy. I am not late on this account, was not late the previous months on this account. Creditor : XXXX XXXX # XXXX. Please investigate and show proof that I was late. If proof can not be furnished I demand the account be deleted totally or ALL late payments be removed. Furthermore please discontinue reporting that a balance is owed to XXXX. There is no balance owed. 

Thank you
Consumer complaint received 2023-02-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX credit card company fraudulently reported my payments as 90 days late to force me into collections my next payment due date is XX/XX/2023 of XXXX but I've been reported erroneous and my account is supposedly in collections when I asked for the number to collections I was told it was in house collections and the department was closed and that someone would call me tomorrow after a few days of waiting I called back and was told they don't have a collections company so I asked for the number to the collections company I was informed that it hadn't been assigned to a collection company and that they had sent me several letters that I never received
Consumer complaint received 2022-10-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

A checking account was opened using my ssn with Bank of America on XX/XX/22. I am not a current customer of Bank of America. I started a claim with them today, XX/XX/22. 
I discovered this because a series of emails came to my personal email account, first starting with the confirm your email address email. I believe the fraudster accessed my email to do the email confirmation so they could receive a one time passcode. After this they submitted their request to open a checking account which I saw the email indicating this. Next, another email came in confirming the checking account was opened. After this the fraudster then opened an online/mobile banking account with Bank of America which I received an email confirmation for. Then, the fraudster updated their email with Bank of America bc I received another email stating this. I reset my personal email password after I saw these emails. The next day, XX/XX/22, I received another email from Bank of America asking me to confirm my email address again, Im guessing maybe they were trying to open another account. No further suspicious emails came in after XX/XX/22. I have since put a fraud alert with all 3 credit bureaus, put a freeze on and set a security alert with XXXX. The type of checking account with Bank of America was a XXXX XXXX bank account that Bank of America is running a promotion for where you can receive {$100.00} if you open one. I believe this is the driver for fraudulent account openings.
Consumer complaint received 2023-02-13
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: EQUIFAX, INC. (FL)

On XXXX 2023 Equifax received my request for a reinvention, on XXXX 2023 Equifax replied stating the the account in question was verified. How can that be when I provided them with proof from the Bankruptcy court that the case number was INVALID. Equifax violated the FCRA 15 U.S.C. 1681e ( b ), Equifax failed to maintain maximum accuracy and failed to do a proper investigation. The account listed below still remains on my credit report even though I provided proof from the court that supports my claim, I have also provided proof showing that Equifax did not conduct a proper investigation. Please delete the following account from my credit file as it is inaccurate. I have enclosed PROOF from XXXX that this Bankruptcy was Unverifiable, as well as proof from the court, Therefore the following Bankruptcy must be deleted : XXXX Bankruptcy/ Reference XXXX. 

ATTACHMENTS
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MD)

i tried to apply for car at XXXX and they said they was going to only do XXXX but it was 25 hard inquires poured on my credit report delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-06
Product: Credit reporting, credit repair services, 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. (MD)

i tried to apply for car at XXXX and they said they was going to only do XXXX but it was 25 hard inquires poured on my credit report delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-19
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I am writing this letter in reference to XXXX & XXXX that your company is currently reporting to XXXX and XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious financial distress & will continue to cause me financial and emotional distress until it is resolved.
Consumer complaint received 2018-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Being retired, I depend on interest I earn on balances I keep with online banks. I recently applied to open an online banking accounts with XXXX, a division of XXXX XXXX XXXX XXXX XXXX paying 2.25 % p.a. interest. 

XXXX advised be by email that I was turned down and mailed me a letter which I am attaching to this complaint. The Notice mentions that the Bank obtained a report from Transunion. My credit score having never been under 800 and currently hovering at XXXX, obtaining credit was never an issue. In this instance, I am not even establishing a lending relationship, but a deposit account. I have several other online bank accounts. I have no debts or mortgages. 

After obtaining my Transunion report online, and finding nothing damning on it ( quite the contarry, I spoke to Transunion who agreed with me ( well, someone at a call center in XXXX agreed with me ) and asked me to call XXXX. 

I spoke with XXXX and I was told there was an alarm in the report they received from Transunion. Since I can not see anything alarming in my Transunion report, and neither apparently can Transunion, I feel powerless. 

I appeal to CFPB to contact Transunion and XXXX to resolve what is a mystery to me. Thank you in advance. I am attaching documents in support of everything I have mentioned above. 

XXXX regards, XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX
Consumer complaint received 2023-04-14
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. (MS)

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 **all of the above has violated all or any of my rights..15. u.s.c. # 1681 section 602 A. STATES -a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-06-23
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. (IL)

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**** has violated my rights. 

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. 

i have not received any money from this company
Consumer complaint received 2021-05-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: BAM Management US Holdings Inc. (SC)

I deposited USD into a Binance.US account & purchased various crypto currencies. Now Binance will not allow me to sell any currencies or transfer any money out of the account in USD or any other currency. It will not give me access to my funds in any way nor respond to any of my inquiries about the problem. It appears they're doing the same to countless other customers. The attached files show the messages I get for every currency in my account.