davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Per the FCRA as reflected in the attached, there are 7 Obligations of a Credit Reporting Agency, The most important is to Investigate any disputed credit information in your file, with very limited exceptions. Transunion and XXXX  do not comply. I have filed multiple complaints on XXXX XXXX. But XXXX and Transunion do not investigate but simply send to XXXX XXXX who then wrongfully confirms they are reporting accurately. That is not a proper investigation. That is shuffling paper and passing the buck. I have tried calling XXXX  and Transunion but talk to another country who now has my personal information. I have repeatedly made request from XXXX XXXX to furnish a copy of the valid permissible permission and the credit report pulled that led to the fraudulent car loan that was put into my name. Transunion, XXXX, and XXXX XXXX have at least XXXX of these complaints plus all attachments I have been sending. I will repeat myself again -- -- -- My identity was stolen together with false pretenses and forgery in XX/XX/2017. Two cars were purchased in my name ; same day, same dealership. My credit was accessed without permissible permission to check me out before a forged application and contract was completed. One of the lenders was XXXX XXXX XXXX who has recognized the fraud and dropped their {$22000.00} claim long ago. XXXX XXXX refuses. I have then requested the valid permissible permission with copy of credit report pulled to prove the fraud and lack of permissible permission. XXXX XXXX  refuses. I have made more that 100 complaints with Consumer Financial Protection Bureau. XXXX XXXX ignores and plays games by listing all complaints as duplicate. XXXX XXXX sent at least 50 letters requesting I supply more personal information with affidavit so they could start a fraud investigation. Yes, they requested more information even when they didn't have permission to access my credit at the very beginning of the fraud and acquired all my personal information. AMAZING!!! This has being going on for almost 4 years!! I have sent fraud affidavit, sheriffs report, and information on the thief and forger currently in a Mississippi XXXX. I will attach again.
Consumer complaint received 2023-02-27
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2023-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I deposited a tuition reimbursement check for {$1900.00} from my employer to my Chase checking account on Friday XX/XX/XXXX via the Chase mobile app. Within 20 or so minutes I received an email that stated We accepted your check ( s ), but your funds will be delayed for the following reason : Checks within this deposit may not be paid because of information we have received from the paying bank or due to information we have within our own files. This is the same account my employer uses for my biweekly direct deposits to this same Chase checking account for several years. My employer is a large company in XXXX and there has never been an issue with my check. 

I called customer service after the email on XX/XX/XXXX and was transferred to their holds department but they said no info on the check is visible yet and to call in a few hours. I called around 4 pm again and customer services said they did not see a hold on the transaction ( I saw a hold message on my online account ) and that my funds should be a available the next day and if not to call the holds department back to verify the funds. I called Chase again the next day, which was Saturday XX/XX/XXXX and the holds department said to call back Monday because they must speak with the bank the check is from during business hours. I called Monday XX/XX/XXXX and was placed on hold but then told that the band the check is from will not verify information to 3rd parties like Chase. The person on the phone did put in a back office request to release funds due to my positive account profile but advised that if I did not see the money available within 1-2 hours then that meant it was denied and would not be available until Mon XX/XX/XXXX. I need this money to lay this semester tuition and am struggling to understand the sudden issue with a check from my employer from their existing account which is from a major bank ( Amalgamated ).
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: EQUIFAX, INC. (LA)

I have been Disputing inquiries by mail, phone and CFPB to have XXXX unknown inquiries removed. Even mailed and faxed FtC reports without getting remedy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CITIBANK, N.A. (LA)

Citi Bank XXXX XXXX, XXXX, XXXX and XXXX  XXXX XXXX XXXX have inquiries that were not authorized reporting to my credit reports
Consumer complaint received 2023-08-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation that has been placed on my PayPal account, under the email address XXXX. 

I firmly believe that this limitation might have occurred due to a misunderstanding or an error in judgment. I have always been a responsible PayPal user, adhering strictly to PayPal 's policies and guidelines. To the best of my knowledge, I have not engaged in any activities that would warrant such a severe action. 

I kindly request that you initiate a comprehensive re-evaluation of my case. This would involve a thorough review of my account activities to verify that there have been no violations on my part. I am confident that such an examination will reveal my consistent compliance with PayPal 's policies. 

It is of utmost importance to me that my account be restored, as it plays a critical role in my financial transactions. The inconvenience and disruption caused by this limitation are deeply concerning. I have always regarded PayPal as a reliable platform, and I am optimistic that this matter can be resolved amicably. 

I genuinely value the services that PayPal provides, and I am eager to continue using its platform for my online transactions. I kindly request that you expedite this re-investigation process, considering the impact this limitation has had on my financial activities. 

In conclusion, I earnestly ask for your prompt attention to this matter. I am hopeful that, upon re-evaluation, my account 's good standing will be reinstated. Your assistance in rectifying this situation would be greatly appreciated.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report. I have placed multiple disputes and complaints, and police reports with these companies, but these companies continue to show neglect by refusing to remove the accounts. These companies are continuously unreasonably halting commerce and have damaged my relationship with other creditors and have hindered my ability to obtain certain licenses with the state. This is a recurring problem that needs to be rectified. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. in addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items. If the accounts are not removed a federal charge will be filled against the following companies " TRANSUNION ", " XXXX XXXX ", " XXXX XXXX XXXX. This charge may lead to a lawsuit. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX Room XXXX Washington XXXX DC XXXX https : //www.justice.gov/atr/citizen-complaint-center
Consumer complaint received 2023-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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

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 dont 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 how credit bureaus have no respect for the Law someone need to hold them accountable
Consumer complaint received 2023-08-21
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: WELLS FARGO & COMPANY (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and XXXX  XXXX  that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-06-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-08-21
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: WELLS FARGO & COMPANY (LA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under XXXX open end consumer credit plan as late for any purpose. 
XXXX XXXX
Consumer complaint received 2021-06-29
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: OneMain Finance Corporation (FL)

I have two different financial institutions Onemain and XXXX XXXX stating I put in an application to receive a line of credit. This was not done by me. I contacted the banks and told them about this issue. Can you please remove these from my credit report. Dates XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-06-01
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. (IN)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. TRANSUNION is governed by 15 USC 1681. And they violated my rights numerous times.They also failed to protect my personal information Because of their data breach in 2022!!! I demand the accounts listed below be removed because, according to 15 USC 1681. I have the right to privacy and I did not give Transunion written permission to furnish these accounts Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (OH)

Around XX/XX/2022, I fell victim to multi-layered scam operations run by XXXX and XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to fraudulent investment firm ( s ).
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act, XXXX account ending with XXXX has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 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 Remove these late payment and update this account Immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Consumer complaint received 2023-08-20
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: CarMax, Inc. (IN)

This company has been reporting late payments to my account causing me to not be able to be approved for a home for my family. This company is misusing my privacy and concern laws by reporting late payments to my account. There is no law stating that any transaction needs to be reported.
Consumer complaint received 2024-03-22
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 looked at my account on XXXX of XXXX, and noticed some things are incomplete and not accurate as far my credit reporting on all three credit bureau. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report, it shall follow procedures to assure maximum possible accuracy of the information concerning the individual, about whom the report relates. 

The account from XXXX XXXX is showing as inaccurate balance when its closed. 
Account Number XXXX XXXX XXXX XXXX Account was paid off on XX/XX/XXXX of {$780.00} As of XX/XX/XXXX account was closed, meaning I couldn't have used the credit card any time after it was closed. 
As of XX/XX/XXXX balance came to {$0.00} Now all of a sudden I have a balance of {$1000.00}, that I don't know of.
Consumer complaint received 2023-06-20
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.

The letters are stated with items and issues.

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 2023-05-12
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports : XXXX  XXXX XXXX XXXX. Please delete this account on my file ASAP.
Consumer complaint received 2021-04-26
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. (PA)

For the last 45 days, I have been reaching out to XXXX XXXXXXXX XXXX regarding my account showing as closed on my credit reports. I have disputed the closed status several time with all credit agencies and also have reached out to XXXX XXXX XXXX to correct, and they continue to not update status as an open account. This information directly impact my credit score as I attempt to fix my credit scores.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I requested that following addresses be removed as I have been a victim of fraud : XXXX XXXX XXXX XXXX XXXX and XXXX, XXXX MD XXXX XXXX XXXX XXXX, XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD I also requested to have my former employer removed due to fraud ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX
Consumer complaint received 2023-06-01
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. (OH)

In accordance with the fair credit reporting act, this XXXX  account has violated my rights : XXXX XXXX XXXX account number XXXX 15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2, Also states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692c clearly states that ( a ) without the prior consent of the consumer given directly to the debt collector or the express permission of work of competent jurisdiction a debt collector may not communicate with any or with a consumer and connection with the collection of any debt. 

15 U.S.C 1681i clearly states : ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from aconsumersfilepursuant to subparagraph ( A ), the information may not be reinserted in thefileby theconsumer reporting agencyunless thepersonwho furnishes the information certifies that the information is complete and accurate. 

( ii ) Notice to consumer If any information that has been deleted from aconsumersfilepursuant to subparagraph ( A ) is reinserted in thefile, theconsumer reporting agencyshall notify theconsumerof the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by theconsumerfor that purpose, by any other means available to the agency.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have attached two accounts reporting inaccurately to all three of my credit bureaus, I have attached pictures highlighting everything that is reporting inaccurately. Per the FCRA anything reporting to my credit bureaus should 100 % de reporting accurate. Please delete