davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-01
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: Experian Information Solutions Inc. (CA)

This complaint is my follow-up on my previous complaint dated XXXX  to notify you to remove the items which keep appearing on my file that I've already disputed time and time again. Please remove these erroneous items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX
Consumer complaint received 2024-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Trans Union you removed the wrong account off my credit report you removed my XXXX  account you drop my XXXX XXXX XXXX points XXXX financial was not supposed to come off the XXXX dollar loan that was paid was not supposed to come off the collection was, you are destroying my credit and XXXX gon na get a lawyer and sue you. You did not have no right to remove my XXXX  account at all at all the data furniture said they did not have that removed Trans Union. I demand you to put my XXXX back on my credit report and remove the collection. XXXX gon na send you the collection and then XXXX gon na send you my good account that collection was supposed to come off and you remove my XXXX  account you dropped my XXXX XXXX XXXX points and I want to get a lawyer and I want to sue now, that was very illegal what you did to me you removed my XXXX account and you left the collection on you were supposed to move the collection and leave my XXXX  account on my XXXX  account. This paid as agreed and for you removed and you left the collection on there you destroyed my XXXX XXXX my husband just passed away and XXXX trying to get a home loan. You are ruining me and I will get a, consumer finance lawyer and I will sue you
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-03-31
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)

I look at my report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts ( XXXX XXXX account Number XXXX ), ( XXXX XXXX XXXX Account Number XXXX ), ( XXXX XXXX  Account Number XXXX ), Hard inquiries ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not complete and accurate XXXX 

and one more thing 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 knowns or has reasonable cause to believe that the information is inaccurate. 

check the attachments below.
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE RECENTLY CHECKED MY CREDIT REPORT AND OBSERVED SOME UNAUTHORIZED INQUIRIES STILL REPORTING. 

Inquiries not authorized in XXXX : XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

Inquiries not authorized in TransUnion : XXXX. The inquiry was not authorized XXXX XXXX Inquiry date : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2024-03-31
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. (CO)

I HAVE CONSISTENTLY CHALLENGED THE INACCURACIES IN THE FOLLOWING INFORMATION WITH TRANSUNION, AND UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED TO THIS DAY.

1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 3. The following personal information is incorrect Employers : XXXX XXXX XXXX 4. Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete XXXX XXXX Account Number : XXXX This information has been disputed. However, this report is still showing the information inaccurately. This is a direct violation of 15 U.S.

Code 1681s-2 ( a ) ( 1 ) ( B ) and this account must be removed.
Consumer complaint received 2024-04-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (GA)

This is about Chase Bank Checking Account # ending with XXXX. We were informed by Chase Bank that the Checking account will be closed due to suspicious activity. We were with chase bank since 2008 and has always been good standing with respect to adequate funds maintenance and fantastic audit trail of our transactions. When we enquired at the centralized Customer Care of Chase Bank and at the Chase Branch Manager at XXXX, GA XXXX location no information was provided the reason for which this account was closed. In our opinion the account closure was based on the guidance of XXXX XXXX ( XXXX  ) software of Chase Bank. I strongly believe that heavy reliance on XXXX  software to monitor transactions overseen by decision-makers who don't know individual customers. Also, it is believed outdated rules used to determine which transactions are suspicious. We were not contacted by the bank nor inquired about a specific transaction which are considered suspicious. Without going through proper diligence chase bank decided to close our bank account which caused us extreme hardship. This is strong case of inadequate controls were placed by Chase Bank to monitor/ review the transactions and incorrectly closed our checking accounts.
Consumer complaint received 2024-03-31
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. (TN)

On XX/XX/2024 I sent in letters to the credit bureaus and have yet to hear back from them for reporting inaccurate information to my consumer report. The accounts in question obtain a lot of inaccuracies and according to the FCRA any inaccuracies on a credit profile must be removed immediately. Each accounts shows a different date open amongst the bureaus which would be impossible because how can I open an account on XXXX different days. I feel like I am being taken advantage of and I won't stop fighting this until it's resolved. These inaccuracies are holding up my life and I am prepared to file for litigation if these accounts aren't removed immediately. I was also impacted by the XXXX data breach. The accounts at question do not belong to me and they have yet to provide proof that it does. Thank you in advance for your help with this manner.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I am writing to follow up on my previous correspondence, where I formally reported fraudulent items on my credit report. Despite my initial dispute and subsequent communication, it appears that the fraudulent items persist, causing substantial harm to my financial standing. 

I urge that credit bureaus will conduct an immediate and comprehensive reinvestigation into the reported fraudulent items. 

I request that the credit bureaus would communicates the resolution of the dispute to you in writing. 

I am deeply concerned about the ongoing presence of these fraudulent items on my credit report, which is negatively impacting my ability to secure financial opportunities. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX.
Consumer complaint received 2024-03-31
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)

I PULLED MY TRANSUNION CREDIT REPORT AND NOTICED SEVERAL FRAUDULENT ACCOUNTS REPORTING THAT DO NOT BELONG TO ME. IVE TRIED CONTACTING THE CREDITORS AND NOTHING CHANGE. PLEASE REMOVE ACCOUNTS.
Consumer complaint received 2022-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I received a paper notice that a new card was issued in my name by Bank of America, that I never ordered. Then I received another letter about a second card issued in my name by BOA and then when I spoke with their fraud team, they found a third card issued in my name from BOA! all three cards were issued within a month period to my knowledge. Their department should have realized this was fraud if not from one card then especiallly after XXXX cards were issued!
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I filed a dispute with TransUnion on XXXX due to an invalid debt collection that appeared on my TransUnion report and on my XXXX consumer report as well. The reason I'm writing this complaint is due to the fact that, i filed two disputes for an inaccurate collection one to XXXX and one to TransUnion. 
XXXX XXXX XXXX account # XXXX, report # XXXX, was deleted immediately from my XXXX consumer report on XX/XX/2024. 
XXXX XXXX XXXX account # XXXX has been disputed on my TransUnion consumer report as well, but TransUnion has yet to delete this derogatory inaccuracy. 
I'm asking that you please investigate TransUnion 's reviewing of my disputes due to the fact that XXXX deleted the account therefore admitting that this XXXX XXXX XXXX is in fact invalid. 


Thank you for your time and attention to this matter.
Consumer complaint received 2024-03-31
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)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and TRANSUNION are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( XXXX XXXX XXXX ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX XXXX XXXX ) the financial institution and the Consumer reporting agencies XXXX and TRANSUNION do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, TRANSUNION, ( XXXX XXXX XXXX ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX XXXX XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and TRANSUNION are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of XXXX XXXX XXXX reporting services.
Consumer complaint received 2016-09-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

We have our mortgage with Nationstar. Went to their website on XXXX/XXXX/16 to set up an online payment for XXXX/XXXX/16. Printed out a confirmation. On XXXX/XXXX/16, they took the payment out twice. Said they have requests for XXXX and XXXX for online payment. I never made an online payment on XXXX. This is the fourth time in 18 months they have taken double pmts out of our checking account. It has wiped out our account and we are incurring overdraft charges. When I asked to speak to a supervisor, they refused.
Consumer complaint received 2024-03-31
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. (PA)

I am written you this statement for you to delete the following information provided on my report. The items I need deleted are listed in the report. I am a victim of identity theft and I demand that you remove these errors to correct my credit report immediately! I have reported this to the federal trade commission, and I have also attached the federal trade commission affidavit. Now that I have given the following information about my report, please correct these errors or I shall proceed with involving my attorney.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I like to request the removal of multiple unlawful hard credit inquires from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 

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 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to follow up on my dispute resolution requests submitted to XXXX, XXXX, and TransUnion on XX/XX/2024. Despite the 30-day timeframe outlined by the Fair Credit Reporting Act ( FCRA ), I have not received any updates or resolutions from any of the bureaus. 

Enclosed are copies of all correspondence and documentation related to my disputes. I respectfully request prompt attention to this matter, coordination with the credit bureaus, and clarification on the expected timeline for resolution. 

Thank you for your assistance in resolving this issue. 

Sincerely,
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I was a victim of the equifax data breach my information breached sold and traded illegally without my consent.

This is innacurate information and needs to be removed from reporting.

This is violation of the FCRA rights and are all reporting different things on my reports.

I have attached screen shots of the innacuracies on all 3 credit reporting beaurus a long with proof my data was sold illegally
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

According to GovInfo, 15 USC 1681a ( p ) of Title 15 of the U.S. Code states that financial institutions that provide negative information to a consumer reporting agency must provide written notice to the customer. 
The Fair Credit Reporting Act ( FCRA ) also states that consumer reporting agencies should exercise fairness, impartiality, and respect for consumer privacy. For example, section 623 ( a ) ( 6 ) of the FCRA requires that any furnisher who learns their information is inaccurate due to identity theft must notify the agencies of the correct information.

15 USC 1681s2 also states that a person should not provide information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 
I've attached the documents which needs to be removed and viewed properly according to these laws.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX Balance : {$8000.00} XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$4900.00} XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$7300.00} XXXX XXXXXXXX Balance : {$4800.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$3000.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6000.00}
Consumer complaint received 2019-11-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (TX)

In XX/XX/2019 I opened an on-line savings account and deposited a {$4200.00} check from the US Department of Treasury ( my tax refund ). My on-line account indicated that the check was received into my account. Subsequently I tried to transfer some of the funds from this account to another account external to this bank. 
After several days of no action I contacted the bank and they informed me that the account had been closed due to 'suspected fraudulent activity '. They suggested the check was not valid. 
For several days they said they were reviewing the account. on XX/XX/XXXX they told me that they had closed the account due to 'business reasons '. However, they have accepted the deposit into the account, and by closing the account denied me access to my money. They have told me that they will issue a check to me after 60 days. 
It is clear to me that they have decided to close my account as they did not like that I was transferring funding out of the account, and there never was suspected fraudulent activity, but they will not state this. 
They are holding my $ without my consent and I believe this to be fraudulent activity by the banking institution.
Consumer complaint received 2023-04-24
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. (CA)

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX