davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-28
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. (UT)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I'm aware that under FCRA 605B, it's necessary to eliminate any incorrect accounts from my credit report. Would you mind reviewing the documents? I've noticed that several of the listed accounts appear to be inaccurate, which is causing me concern.
Consumer complaint received 2024-03-28
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. (TX)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-03-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

After examining my credit report, I've observed inaccuracies and indications of fraudulent activity within the listed accounts. I am deeply dissatisfied with this finding and demand the immediate removal of these inaccurate accounts.
Consumer complaint received 2022-12-22
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. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/21 The XXXX XXXX is going to be the crazy one. I was never going to buy that car. I took it on an extended 2 week test drive, and they were so certain that I was going to buy it that they ran my info anyway without my knowledge or consent. They shopped my credit around on both of them when I told them to only run XXXX XXXX because I already had a really good relationship with them and car buying. They agreed, but they shopped it around anyway. And if you want my other reports that we bought that vehicle through XXXX XXXX and then went back on the 19th of the same month and bought another car, also through XXXX XXXX, they decided to shop my credit around again without my permission. Both times we had a verbal agreement with the salesman, manager, my wife, and I to only do XXXX XXXX. I know you all want to give the run around saying they all count as one, but that's not what credit card companies see when you try to apply for a credit card.. all they see is the amount of inquiries, not what they were from, just the number of inquiries. And also the number of inquires brings down your credit score so many points for each inquiry. According to the fair credit act that's illegal to begin with. They only had my permission to run one company and that's it. I want these taken off so I can get everything off of my report that shouldn't be there and I can put a freeze and all the bureaus.
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AK)

On XX/XX/2022 I checked my bank transactions. I noticed reoccurring payments to XXXX XXXX  which I do not use. I contacted my bank ( bank of America ) immediately and told them the charges were fraud and that there was pending charges that were not authorized or legitimate and asked they canceled them. They told me they wouldn't be able to do that since it was processing and they would need to investigate and contact the merchant. I stayed in contact with them and they opened a fraud investigation. today on XX/XX/2022 I received a message that the case had been closed and it was not found in my favor but was given instructions on how to appeal it. I then appealed it by sending pages of my side of the story and included the laws and regulations for consumer protections. I also contacted the merchant ( XXXX XXXX ) to see if they could dispute the transactions or give me details on who sent the money or received the money. They were unable to find any transactions or accounts with my personal information and told me that they couldn't help me because I did not have any accounts with them. I told them that they were able to use my money to transfer to people over XXXX XXXX and wanted them to try harder to see who the money went to or how. They told me it was fraud and to contact my bank. Which I did. And they insist it wasn't fraud and that I have XXXXXXXX XXXX since I have an XXXX  phone. It is completely ridiculous.
Consumer complaint received 2022-10-17
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. (FL)

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, DEPT OF EDUCATION/XXXX  DEPT OF EDUCATION/XXXX, DEPT OF EDUCATION/XXXX  DEPT OF EDUCATIONXXXX XXXXXXXX XXXX Original creditor : XXXX XXXX  XXXXXXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original creditor : XXXX 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 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 2022-12-22
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. (VA)

The unverified items indicated below to 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 items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2023-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

My capital one credit card was stolen and maxed out once I contacted capital one and they reimbursed all the fraudulent charges but didn't put a lock on the card or cancel it And the same person maxed the account another time and this time Capital one refused to do anything about it even though they should have deactivated the card that was being used and issued me another one but instead they closed my account with the maxed out amount owed from the person that stole the card
Consumer complaint received 2023-05-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG FINANCIAL CORPORATION (MI)

They have called me numerous times and only leave a prerecorded message to call them back. When I called them back they claimed it was a debt collection over a Check N Go loan from XX/XX/2015. I wrote check n gos fraud department to verify my debt and all they said was its verified, they did not provide details or specifics and didnt prove the debt is real.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (GA)

I had a wells Fargo checking account and I was informed that my account was XXXX overdrawn due to returned checks but I never deposited or tried to cash any check I didn't even have a check book with my account next thing I know my account is totally just erased bo Trace of me in there system I was told by several agents my online login information was just completely gone and I couldn't even find my account with my personal information
Consumer complaint received 2018-10-12
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Medical-Commercial Audit Inc (MO)

XX/XX/17 ( {$860.00} ) Acct # XXXX, Acct # XXXX ( {$77.00} ), Acct # XXXX ( {$56.00} ) HIPPA Violation ; Medical Commercial Audit/ MCA did not provide me with the provider of services to release any of my medical information ( tests, diagnosis ext ) regarding alleged debt as well as cease any credit bureau reporting. This entry 's insertion on my credit reports is a blantant JIPPA violation and a violation of my consumer rights according to the Fair Debt Collection Practices ACT ( FDCPA ). these entries must be deleted from my credit reports immediately with XXXX, XXXX and XXXX
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (DC)

Greetings, I am The co-account holder. I am not completely sure what happened. It started with 2 issues. 1st I discovered checks missing. I contacted Navy Federal. I explained to them checks were missing. Please stop any prior checks and send us new ones. The next day I received an E-mail from XXXX stating, They were trying to secure my account, someone was trying to impersonate me. I immediately contacted them and secured my account. I immediately contacted Navy FederaI, I explained the situation about the missing checks. I asked for a flag be placed on our account. A few days later I tried to sign in our account, just to check. I was blocked. I tried signing in off my phone. I was blocked. I called. I gave them all the answers except the E-mail. The guy on the other end became irate, and asked again who I was. I explain the co- account holder. He said, There is no co-holder and hung up. A few days later I was told my sisters had broken into the account and took all the money, and changed the account. They have no Authority to do this. I need Help.
Consumer complaint received 2022-02-17
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. (OK)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

1. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account XXXX : XXXX Please Delete Immediately 2. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX XXXX  Account Number : XXXX Please Delete Immediately XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account XXXX : XXXX Please Delete Immediately 4. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account XXXX : XXXX Please Delete Immediately 5. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX Account XXXX : XXXX Please Delete Immediately 6. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account XXXX : XXXX Please Delete Immediately 7. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account XXXX : XXXX Please Delete Immediately 8. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX XXXXccount Number : XXXX Please Delete Immediately 9. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account XXXX : XXXX Please Delete Immediately
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally request the removal of late payments from my credit report. Upon reviewing my credit history, I noticed that late payments have been inaccurately reported, negatively impacting my credit score. 

According to the Fair Credit Reporting Act ( FCRA ), 15 USC 166B, credit reporting agencies are required to ensure the accuracy and completeness of the information they report. Furthermore, under the Fair Credit Billing Act ( FCBA ), creditors are obligated to provide accurate billing statements and properly investigate any disputes raised by consumers. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Date of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I would like to bring to your attention that the reported late payments are in violation of these consumer protection laws. The inaccuracies in my credit report have caused undue financial harm and have hindered my ability to access credit on favorable terms. 

I kindly request that you conduct a thorough investigation into this matter and promptly remove the inaccurate late payments from my credit report. I have enclosed copies of supporting documents that attest to the erroneous reporting. 
I appreciate your prompt attention to this matter and expect a timely resolution in accordance with federal consumer protection laws. 
Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-11-24
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. (MI)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX ( Original Creditor : 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-12-22
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: EQUIFAX, INC. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate 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 XXXX ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-10-12
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. (FL)

I opened a dispute with Experian 3 different times, the most recent being on XX/XX/XXXX. I specifically told them I had documentation showing that I should have never been reported to XXXX XXXX XXXX XXXX. However, even before Experian or the collection agency had a chance to look at it, Experian would close the dispute stating that nothing had changed. 

The written agreement ( which I will attach ) between myself and XXXX XXXX XXXX stated that I could break my lease on XX/XX/XXXX as long as I was out by the XXXX and I was not getting my security deposit back. 

I was not getting evicted and I was not supposed to get charged any other expenses. 

This needs to get resolved as it is affecting everything in my life.
Consumer complaint received 2017-03-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

My husband and I refinanced our home in XX/XX/XXXX, so we could get a lower interest rate. So, after my husband setting up this meeting to sign the papers and in trusting the agent that came to our home and the bank my husband set this up with, we signed and got a lower rate. In XX/XX/XXXX, my husband and I separated and he moved out, so called the bank to see about making partial payments until I got a full time job, then I would be able to make the full payment. The bank at that time told me to call back in a couple of days so I did. When, I called back in a couple of days, they told me the loan was sold to call the other Mortgage Co. so I did. They wanted me to fill out paper work for Act 91, so I did. After, sending the paperwork in by mail and fax they always lost my paper work, so I would re send it always. Now, after not paying them for about a couple months, the loan went into Default. I called them and said what 's going on? They always said the paperwork was missing, they did n't get it, they just gave me the run around. I have gone to counseling twice. Now, my house went into Foreclosure and at that time I was in the middle of filing bankruptcy. My house was up for Sheriff 's sale in XX/XX/XXXX and it sold, but I was still in the middle of filing bankruptcy. After all this happened I went back to my paperwork to read the agreements again. I am finding that when my husband and I refinance our home in XX/XX/XXXX, the bank messed with the paperwork. To make it look like I was the main bread winner of the household, I was n't, my husband was, so what they did was used my credit ( caused I had good credit then ). with my husband 's income. No bank in there right mind would give me a loan of that size no matter how good my credit was. My husband, his credit was no good. Of, course we did n't know the bank or the agent did this, we trusted them and signed the papers. Now, the house is up for Foreclosure again.