davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-27
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. (GA)

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-01
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. (NY)

The account and monthly amount of {$390.00} was paid in full and on time. In addition to this it has been paid in full and satisfied in a timely manner. Much Appreciated!
Consumer complaint received 2018-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IL)

I submitted a public record investigation request to LexisNexis XX/XX/2018. I received a response more than 35 days after stating that the public record item was verified. In my correspondence, I request the Method of Verification which LexisNexis did not give in clear violation of FCRA. Additionally, they exceeded 30-day response requirements as per the FCRA.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-03-27
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)

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. 

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 and list of Inquiries. 


15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2022-11-23
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: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting act XXXX 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 15 U.S.C 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 2022-11-29
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: Experian Information Solutions Inc. (NV)

This letter will serve as a follow-up to my earlier plea last XX/XX/XXXX. Seems like my earlier endeavor to block those fraud items has not been given attention. I'm including them again in order to be removed immediately. 

XXXX XXXX XXXXalance : {$48000.00} XXXX XXXX XXXX XXXX XXXX {$9200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} ; XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} 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 EXPERIAN 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 2024-03-27
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. (NV)

I need to inform you I was the victim of identity theft. I'm disputing the following accounts as they were opened without my knowledge, consent or authority. I contacted the companies and they said to file the FTC affidavit from the site identitytheft.gov. 

Please dspute the following accounts. They were opened wihtout my knowlege, authority or consent. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

In XX/XX/2023, I noticed that Bank of America had started charging me a fee of {$12.00} a month. They charged a total of XXXX fees, for a total of {$84.00} dollars. I called the bank, and they confirmed that the fees had been charged in error. The bank refunded XXXX of the XXXX fees. However, they refused to refund more. I was informed there was no XXXX to speak with about this, no way to file an appeal, nothing to be done. Bank of America simple stole {$48.00} from me and will do nothing about it.
Consumer complaint received 2018-01-26
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: ENCORE CAPITAL GROUP INC. (TX)

I have sent multiple credit disputes to XXXX XXXX, XXXX, and XXXX  regarding my credit report. I was a victim of identity theft in 2012 when my License and my social was stolen. I have 5 inaccurate debts on my credit that I have never heard of or signed for. XXXX XXXX ( says charged off as bad debt ) XXXX ( has two separate accounts one says closed one says charged off ) XXXX XXXX ( charged off ) XXXX XXXX XXXX XXXX ( someone stole the car ) And XXXX XXXX
Consumer complaint received 2024-04-20
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: LEXISNEXIS (PA)

Subject : Request for Method of Verification -Bankruptcy Information Dear LexisNexis Consumer Center , I hope this letter finds you well. I am writing to request specific details regarding the method of verification employed by LexisNexis in the reporting of bankruptcy information. I recently received information from your database indicating the presence of a bankruptcy entry on my consumer report. In light of this, I am seeking clarification on how LexisNexis verifies and validates such bankruptcy information.

Please provide the following information : 1. The specific procedures and methods used by LexisNexis to verify bankruptcy information.

2. Any documents or criteria utilized in the verification process. I understand the importance of accurate and verified information within consumer reports and am eager to ensure the integrity of the data associated with my profile. I kindly request that you respond to this inquiry within 15 days from the date of receipt of this letter. Your cooperation in providing these details is crucial in addressing and resolving discrepancies related to my consumer report. If there are any specific forms or additional information required to facilitate this request, please do not hesitate to inform me. Thank you for your prompt attention to this matter. I appreciate your cooperation in providing the necessary information within the stipulated timeframe. 
Sincerely,
Consumer complaint received 2017-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (NY)

I made an online purchase of multiple clothing items from   XXXX   XXXX   for a total of $ xxxx.xx back in  XXXX . 2016. It was shipped in  XXXX  boxes with   XXXX   separate charges to my credit card. The merchandise was all a size too big and of inferior quality, so all was returned in a fairly timely manner - in one box.   XXXX   credited less than half the amount with assurances that the full amount would be credited. Then, that did not happen ;   XXXX   will only issue a store credit which is not acceptable as the merchandise is not quality.
I opened a dispute with Barclay Card us. Barclay refused assistance of any kind for the following reasons. ( 1 ) They allow only 60 days to file a complaint. When a filed a written response explaining that I had been dealing with the merchant for months, who had assured me of a full refund but never delivered, they refused on a different basis as follows : ( 1 ) Before I returned said merchandise, I was to have gotten a letter from a competitive designer stating that the   XXXX   XXXX   clothing did not fit and was inferior. This information needed to be on the competitive designers letterhead " detailing how the merchandise received from the above merchant was incomplete, unnecessary or of inferior quality, size, color, or unsuitable for the purpose sold etc. PRIOR to returning the merchandise back to the merchant. '' Ridiculous! Take a moment to consider, is it EVER a customary practice to have a competitor write a letter guaranteeing that the merchandise consumers need to return is defective?! This is a outrageous criteria for a bank to insist upon to credit a consumer.
( 2 ) I needed " to supply a letter of intent as proof the merchant intends to credit my account ''!
This is also outrageous criteria for the consumer - is n't this what my fees for this card pay for? It certainly is what   XXXX   XXXX   XXXX   and our American banks do. Barclay 's reasons for blowing off the consumers can not possibly be legal ; their tactics all but guarantee that money will be stolen from us from the big banks as is the case here.
Thank you for reporting this to the authorities. I hope a Barclay can be restricted from doing business in the US.
Consumer complaint received 2023-07-05
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. (TX)

I am the writer of this complaint and I found some inaccurate and incomplete information on my credit report. Aren't the CRA 's required by law to conduct a thorough investigation and DELETE all inaccurate info? I have attached letters and my ID and SSC to verify my ID
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-04-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (FL)

Hello, My mortgage was sold to TIAA Bank from XXXX  back in XXXX XXXX. I close on my property on XXXX XXXX. I did all my closing with XXXX XXXX XXXX ( XXXX   ) My insurance policy held by XXXX XXXX XXXX was not renew since the company is not renewing in Florida. The policy expired on XXXX XXXX, XXXX. I found out just a few days before through my insurance agent. On XX/XX/XXXX, I contacted TIAA Bank to inquire about how long I had to submit a new policy. I was advised I had 45 days to do so. I was never informed that even so, the lender had the right to place a lender policy on the property. I was never informed and took the time I had to get quotes from multi companies, install my hurricane shutter so that I could get that credit. The new insurance policy started on XXXX XXXX, XXXX which I was still within the 45 days I was told I had. 
Then I received an email a few days later charging me {$620.00} for some lender placed policy on the property. On XXXX XXXX, XXXX I called to inquire what the charge was about and I was told it was because of the insurance placed policy. I stated that on my XX/XX/XXXX call, I specifically asked about this and I was told I had 45 days to submit a new policy. Since XXXX XXXX, I had been requesting the transcripts for the call placed on XX/XX/XXXX and have not received them. I have requested calls from higher management, I have requested for them to review this situation and nothing. No calls, no transcripts to prove my case, nothing. 
The charge is going to be divided into the monthly payments with the first charge now in XX/XX/XXXX. I refused to pay such amount and it should be eliminated due to the erroneous information given by their agents. 

Closing documents name the lender as XXXX, which technically and legally does not give TIAA Bank the power to placed such charge on my account. Since the loan was transferred to TIAA Bank, I did not sign any documents adhering to their terms and conditions, nor my closing documents mention anything about any other lender, other than XXXX XXXX XXXX ( XXXX  ) to have the right to place a lender placed policy on the mortgage. 

Like I have explained to the agents multiple times, if I would have being informed correctly since XX/XX/XXXX that I called to inquire about the insurance situation, I would have gone and gotten a policy that satisfied their needs and then made changes to it. 

I have tried at least 7 or 8 times, each call takes at least an hour or more and nothing has been resolved. I have asked for higher management to review the case and review the calls and nothing. 

Loan Number with TIAA Bank is XXXX TIAA Bank also claims the policy was placed on the property since XX/XX/XXXX, but documents sent by them clearly show a policy issue date of XX/XX/XXXX which does not make sense. If they placed the lender policy on the property, why didn't I get a copy just a few days after XX/XX/XXXX? 

Please help.
Consumer complaint received 2023-05-25
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. (GA)

Experian.com has repeatedly violated my rights by reporting inquiries and closed accounts that show negative on my report. I have sent them a letter and a identity theft report that I filed before these accounts showed on my credit report that I was a victim of Identity theft and fraud. They refuse to remove these fraudulant claims from my report. it has been more then 30days and they are avoiding my request by sending stall letters saying i have the wrong company to dispute. I have clearly sent it to their dispute department otherwise they would not have sent a letter stating it was the wrong department. They have avoided my identity theft report that i have filed. I am very upset and hope that you can help me resolve this matter with them.
Consumer complaint received 2023-03-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

Theft from a Chase Bank Account occurred and so far Chase Bank has been less than willing to correct the errors. The theft is in excess of {$69000.00}. 

The theft occurred against my brother 's bank account after his death on XXXX XXXX XXXX
Consumer complaint received 2023-02-14
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: EQUIFAX, INC. (AL)

Per the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681 ) and METRO 2 compliance standards, I challenge all inaccuracies and deficiencies of reporting. Per the FCRA and METRO 2 compliance standards, my credit profile wit equifax, XXXX, and XXXX XXXX shall be accurate and complete. Their verification of the information shall be timely, and you should be able to document and provide proof of your verification process of all the information within my credit report. The information in my credit report and below was never proven factual or compliantly reported. I have consumer rights, and I am deciding to exercise those rights to demand that factually accurate, verified, and compliant data be documented and included on my credit report. I also require the permanent removal of any inaccuracies immediately! I also demand that you investigate the source of each account and ensure that each creditor has a permissible purpose for all inquiries within my credit profile.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

The information being reported is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, KS XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  KS XXXX XXXX PHONE XXXX : ( XXXX ) XXXX XXXX ) XXXX ( XXXX ) XXXX INCORRECT EMPLOYERS XXXX XXXX XXXX
Consumer complaint received 2022-11-29
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 appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX