davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-21
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. (PA)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : XXXX, XXXX Act Name : XXXX XXXX XXXX, XXXX XXXX, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate. In accordance with the Fair Credit Reporting Act, Section 623 ( a ) states that a person, including a financial institution, may, but need not, specify an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address, then it may not furnish information relating to a consumer to any consumer reporting agency, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is inaccurate. If the person does not specify an address, then it may 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 2023-06-02
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (MD)

I place complain a15 days ago with CFPB, Someone from navy compliance called on XXXX XXXX2023, she reviewed that my deb ration was at 22 % I asked why they would not allow me the 28 % debt ration, she said navy Federal was not a like most banks, after not backing down in believing I'm being whitewash, she decide to make inquiry about the loan being increase. 

I was told she would called me on Tuesday the compliance person would contact me in the mean time no phone call, while missing out on home due to the wait for the increase.
Consumer complaint received 2023-06-02
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: Bread Financial Holdings, Inc. (FL)

I missed the payment on my account due to my being seriously sick and XXXX. I have lost out on job opportunities because of these late payment remarks.This is ALL because of the XXXX. I also could not close a home for my family due to this situation.
Consumer complaint received 2023-05-11
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. (IL)

I have accounts showing that I have late payments or delinquent payments which is inaccurate. 

XXXX XXXX XXXX ( Late Payment ) XXXX  XXXX ( Late Payments/ Delinquent ) XXXX  XXXX ( Late Payments/ Delinquent )
Consumer complaint received 2023-06-21
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 sent my letter off on XX/XX/2022. I told the credit bureau to " investigate every piece of information '' on the accounts I have listed below. There are still inconsistencies with payment history on these accounts. 

XXXX XXXX # XXXXXXXX XXXX XXXXXXXX XXXX # XXXX Also, I have attached the letter I sent out and the certified mail receipt. 

According to the FRCA, the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Transunion has not conducted any such interviews. 

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts is still not reporting 100 % accurately. According to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX, XXXX  XXXX XXXX # XXXX have 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 States : A consumer reporting agency can not furnish an account without my written instructions. 

I never gave my written consent for the furnishing of any of these accounts on my credit report. 

In a good faith effort to resolve this matter amicably, I restate my demand for proof of my written consent, specifically the alleged contract or other instrument bearing my hand-written signature. Absent such proof, you must immediately and permanently delete the accounts in question. 

These accounts are inaccurate, unverified and furnished on my credit report without my consent. This violates my rights. Either provide proof and verification or permanently delete the accounts immediately.
Consumer complaint received 2023-06-02
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (VT)

I went to a local Kohls store In my area of XXXX, XXXX, and watched as a customer in front of me entered her phone number for the rewards program. I had previously used the Kohls cash program online and believed I could enter my phone number to get rewards. When I did so, the associate said that I didnt have a rewards account but she would create me one. She informed me to press the green button to accept the terms of the reward program, and enter my social and date of birth to link to my account. I provided all of this info without receiving any written or verbal notice of this being a credit application. in hindsight it makes sense, but now i feel that i have been taken advantage of. I realized this error when my transaction was completed, and I never used my current credit card. i then explained that this was not what i wanted, and her only source of solution was to tell me to cut up the card when i received it in the mail. I explained this was not what I wanted, and she told me I had read the terms and that I was confused. We looked again at the terms that she told me to hit enter on, and it said that I had received and reviewed the terms of the Program, which i did not in the course of the interaction. She kept insisting that the text on the screen were the terms, but there was nothing written about interest rates, fees, or other terms that would lead someone to associate with a credit card. Calling the online number allowed me to close this new credit line, and I will now have to dispute this on my credit report.
Consumer complaint received 2023-06-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TRUIST FINANCIAL CORPORATION (VA)

Truist banking has charged me a second stop payment fee to a company I had initially placed a stop payment and paid the fee upon XXXX months prior. This has allowed the company I had originally stopped a payment against to withdraw funds from my account, and when I spoke over the phone to representatives within the company, I was definitely given the runaround, and then I personally went into a Truist banking facility, and was given to separate explanations XXXX from a manager, and XXXX from a member service representative, and neither of their explanations were the same. I complained and demanded a refund for the second stop payment charge. I had to make in order to stop a company from withdrawing funds even though I proved to them and showed them with documentation that I had already paid to stop payment fee. Very unprofessional from the branch manager at the truest banking facility I entered to try to dispute my claim.
Consumer complaint received 2023-06-02
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. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (GA)

XX/XX/2021, I attempted to log into my checking account online. The account was locked, so I called the bank. I was informed that five-wire transactions had occurred in my account. I file a fraud claim because I did not perform the transactions. I have called the local chase bank location, the corporate office, and the FDIC. I have received calls back to tell me that the issue is still being investigated. Over {$2800.00} was taken out of my account in their bank under their security. I'm so frustrated. I have never wired money, nor have I ever sent money out of the country. This money is used for my daily living, and I have been on hold for too long. Please let me know what other options I can try. 

Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-23
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)

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. 

UNAUTHORIZED INQUIRIES, PLEASE 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 XXXXXX/XX/year> 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 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I have been a victim of identity theft this has been an ongoing problem over the past few years I had alot of fraudulent inquires from someone trying to obtain credit in my name aswell as several credit accounts opened in my name when this came to my attention I filed police and identity theft reports and I submitted a dispute with the 3 Major credit bureaus transunion XXXX and XXXX and requested this information be blocked from my credit file Of those XXXX disputes XXXX and XXXX have since blocked this information and transunion sent me a letter stating they would not remove the XXXX inquires and block the fraudulent accounts opened from identity theft even though I submitted all the documentation required by federal law to have them do so.
Consumer complaint received 2023-06-02
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. (NY)

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 U.S.C 1681. ACCOUNT Name : XXXX XXXX, XXXX XXXX, and XXXX XXXX. 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. 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 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-21
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. (NY)

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX  : acct XXXX XXXXXXXX, Account name : XXXX XXXX  : Accct XXXX XXXXXXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 pers on knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting.
Consumer complaint received 2023-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2016-02-11
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TRANSWORLD SYSTEMS INC (MD)

I received an alert from my credit monitoring agency that a collection was placed on my credit report on XXXX XXXX, 2016 by Trans-world collection agency. I never received any notice of my right to dispute the debt. The collection just appeared on my credit reports. I spoke with a Trans-world representative and she gave me a number to fax a letter demanding due process. To date I have not heard from them. Please assist me in removing this negative information from my report and give me time to check with my health insurance about this medical bill of {$55.00}. 
The representative admitted that there she did not see any documentation of communication with me.
Consumer complaint received 2024-06-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc ()

I want to have an access on my funds in my paypal account that the XXXX  hold for 180days without valid reason.. the exact amount the hold is XXXX $ My XXXX  email is. XXXX The said amount consist of five ( 5 ) payments send to my account Ive earned legally. 

XX/XX/XXXX, XXXX XXXX $ Paid by. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Paid by. XXXX XXXX Mo XXXX. XXXX XX/XX/year> XXXX $ Paid by. XXXX XXXX XXXX. XXXX XX/XX/year> = XXXX $ Paid by, XXXX XXXX XXXX XXXX. XXXX XX/XX/year> = XXXX $ Paid by. XXXX 's store Email. XXXX XXXX
Consumer complaint received 2021-04-01
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: CITIBANK, N.A. (NY)

I called to dispute these 2 inquiries from citi bank/best buy and got a letter confirming that it would be removed since last year. Unfortunately i no longer have the letter to confirm that ... and these are still on my report. I want them removed
Consumer complaint received 2017-09-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

XXXX XXXX XXXX {$7800.00} I called to try to see if I could make payments and I was treated wrongly and threatened to have my personal bank account debit if I do n't make a payment. Than I asked if I could speak with a supervisor and was hung up on multiple times!! They treated me as if I was a criminal.
Consumer complaint received 2021-05-17
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings (CA)

To Whom it may concern, I went into a financial agreement where XXXX XXXX was given the power of attorney, They created a settlement with the company in question and all payments were made on time. Ad Astra Recovery Services XXXX Speedy Cash ) settled with me and XXXX XXXX for {$1500.00}. 
This company agreed to reflect that this account is paid in full. The representative of Ad Astra signature is shown on the document. As of XX/XX/2020 all payments were made to this company in full.
Consumer complaint received 2017-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (MI)

I tried to use card which does n't have any balance due. I email USA bank for this  XXXX  card and was sent a email back that card was cancelled but by no person. Card is still listed as having {$1000.00} available I sent in several other messages but no response. This has been a common problem with many of my accounts where charges appear and disappear but I get silly responses back.
Consumer complaint received 2017-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have sent in multiples disputes on  XXXX  accounts that I have no contract or knowledge of but  XXXX  will not delete the accounts. They have sent me a letter saying they will not re-investigate complaint. This is really hurting my credit and family chances of becoming a homeowner. I contacted an attorney whom told me this should be my first step to solving my problems.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I sent documentation to the three credit bureaus to remove XXXX XXXX XXXX from my credit report along with a letter from XXXX XXXX. The file was not removed from XXXX.
Consumer complaint received 2023-06-02
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. (GA)

There is personal information on my credit report that needs to be removed from my credit report. According to the fair credit reporting act 15 U.S.C. 1681. I have the right to privacy. Also according to 15 U.S.C. 6802. No financial institution is not supposed to share my financial information to third party people. 

These are clear violations of my federally protected consumer rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX