davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have observed several deviations from mandatory reporting standards, which raises concerns about the accuracy and completeness of the data in my report. Despite these deviations, I refute your allegations and challenge you to furnish evidence supporting your right to report this incomplete negative information on my credit report. 

In accordance with 15 U.S.C 1681e, consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, 12 CFR Part 1022 ( Regulation V ) mandates furnishers to provide information with integrity and accuracy, along with conducting reasonable investigations of consumer disputes. 

As outlined in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, any deviation from reporting standards jeopardizes the integrity of the data. This implies that reporting errors can compromise the accuracy of federally regulated reports. Consequently, I am exercising my rights to challenge these inaccuracies and non-compliant items. Ignoring my demand would indicate a disregard for my consumer rights. 

It is unjust for you to report unconfirmed and ethically questionable information that does not meet certified reporting standards. I am formally challenging these claims and requesting proof of proper reporting standards. 

Your actions are a violation of my rights, and I have outlined the concerns about your reporting in this document. The incomplete and non-compliant nature of the report fails to meet legal standards, necessitating certification of all aspects of required FCRA/Metro 2 compliance. Failure to comply will result in escalating these issues to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my Attorney General. 

XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX  {$400.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX {$2000.00} XXXX XXXXXXXX {$530.00} XXXX XXXXXXXX {$530.00}
Consumer complaint received 2023-03-08
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. (MO)

On XX/XX/XXXX i sent ceryified letters to all XXXX  credit bureaus disputing several inaccuracies on my reports ( I'm a victim of idenity theft since XXXX ) and wanting proof of any verification. I got no responce. Then on XX/XX/XXXX i sent XXXX more certified letters to all XXXX  credit bureaus about why i recieved no responce and it was well past thirty days. As of today i still havent recieved a responce or any verifications for any of it i am uploading these letters. I need these accounts removed because i am trying to purchase a home for my son and i. Thank you
Consumer complaint received 2024-01-23
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. (NJ)

This information is under my name and is causing me harm. I need it removed from my history. 



XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-16
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. (NC)

Transunion dispute File number XXXX Submitted on the XXXX of XXXX. no communication on the XXXX of XXXX. 30 days has past time limit expired. Please delete as required. Thank you
Consumer complaint received 2021-03-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XXXX XXXX 2020, We noticed a withdrawal from the account for the amount XXXX, the statement showed that the wire transfer was from XXXX XXXX a name we didn't recognize. We called capital one to inquire on XXXX 2020. The bank said " not to worry that it did not go though because they weren't able to get ahold of the signer ''. That the money would be redeposited into the acct in a few days. A week later I called again because I did not see any action taken and that's when they sent me to the fraud department. They said it was a fraud and that they will look into this matter and closed the account without notice. This is a business account it caused us a huge amount of trouble bounce checks changing all vendors etc to new account. Today is XX/XX/2121, and every time I call the fraud department they tell me that they are waiting for the other bank. Its almost three months this is a huge amount of money that we are in need of. 
My experience with wire transfer is I have to go to the bank show ID, and fill out paper work. This wire was done though the computer. No one called the signer, for approval. 
Total incompetence 's from the bank. I trusted the bank " Capital One '' to safeguard my cash and the bank without questioning the obviously suspicious activity, paid it.
Consumer complaint received 2023-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (GA)

Synchrony bank/ paypal credit is worst financial institution that I've ever worked with. I ask them for months to provide me with a settlement and they refused saying that I would need a late payment for them to offer me a settlement. They then charged off my account and proceeded to report it wildly inaccurately to all three credit bureaus. I've asked that it be corrected or removed at least 10 times and they refuse to do so. In addition, they have charged large and unnecessary fees to my account and they are even reporting my account as " closed '' and " over limit '' which is wholly untrue.
Consumer complaint received 2024-02-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX, I filled out an online application for an Amex Business Credit Card using my business XXXX number as required. The form also required my personal SSN for identity verification only. However, I was surprised to receive a hard inquiry notification on my personal credit report on XX/XX/XXXX while my application was still pending approval and needed additional business information as per Amex 's email. I immediately called Amex on XX/XX/XXXX and spoke with XXXX, who assured me that a hard inquiry should not appear on my personal credit report since my application was not yet approved and that it should reflect as a soft inquiry upon approval. Despite my concerns, XXXX kept insisting that I allow her to process my application for approval, but I refused. I requested to speak with a supervisor and was connected to XXXX, who mentioned congrats on my Business card approval with XXXX. I informed her that I did not XXXX her the consent to process my application further. XXXX apologized for XXXX 's behavior and acknowledged that the hard inquiry should have been a soft one. ( Please note that a soft inquiry from Amex was also posted on my personal credit report on XX/XX/XXXX ). XXXX promised to contact XXXX and have the hard inquiry removed from my personal credit report. She also advised me to consider leaving the unauthorized Amex XXXX XXXX approved, as closing it would negatively impact my XXXX XXXX and she does not want to overwhelm me. However, I insisted on closing the card as the approval was clearly without my consent, and as a consumer, I was starting to feel very uncomfortable with the unorthodox behaviour from Amex. XXXX provided me with a reference number and assured that these situations would be communicated to XXXX and that the unauthorized hard inquiry would be removed from my personal credit report. I was then connected to another agent, XXXX, who closed the unauthorized Amex Business Credit and informed me that the card had already been shipped today, but that I should dispose of it upon receipt. Unfortunately, Amex did not reach out to XXXX as promised, and XXXX from XXXX informed me that they can not remove the hard inquiry from my personal credit report unless they hear from Amex. As a consumer, I feel that my rights have been disregarded by Amex 's fraudulent and cunning behavior. Please, I urge you to help me set this right and protect consumers like myself. It is unfair that I have an unauthorized hard inquiry on my personal credit report and I would like it removed. Amex needs to be accountable and in check to better protect us as consumers. Thank you.
Consumer complaint received 2024-02-15
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (GA)

this debt was dismissed in court in XXXX of XXXX. I began receiving calls from Sequium Asset Solutions in XXXX of XXXX. 2 letter were drafted, one by myself and one by my attorney for this company to stop all actions and communications as this case was won in my favor. I also asked over the phone XX/XX/XXXX as i recieved another call to which i was treated so harshly as if I were lying and brushed off. After being called AGAIN on XX/XX/XXXX i was transferred to XXXX XXXX where he stated he received the communications and would process the cease and desist but my credit would be effected because i owed them which is not true
Consumer complaint received 2024-02-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (VA)

XXXX XXXX XXXX is trying to charge me illegal made-up late fees. I do not owe this company $ XXXXThe remaining balance of my account is {$110.00}. I have enclosed copies of all of my receipts paid and reference ID numbers and dates of my past complaints.
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

XXXX XXXX! 
HUGE, I MEAN REALLY HUGE CLASS ACTION : SENDING EMAILS TO AS MANY CLASS ACTION LAW FIRMS AS I CAN, POSTING ON SOCIAL MEDIA EMAILING SENATORS ETC.. with proof. 

XXXX XXXX : refuses to provide a full accounting of the Balance they allege I owe. Like all the statements from XX/XX/XXXX, which is the date XXXX claims the account opened. I have no way to legally challenge the amount without the complete accounting and they know this. I have been trying to get this information for years, requested 5 times to date. ( 9 Violations ) I am also disputing the date of last activity of this account. XXXX has been reporting the date of last activity as XX/XX/XXXX. This is not accurate, the date of last activity was XX/XX/XXXX. XXXX XXXX has continually verified all information as being accurate when in fact it was not. ( 12 Violations ) XXXX also reports this account as a recent charge-off ( CO ) every single month since it was initially charged off in XX/XX/XXXX, misleading potential creditors. ( 162 Violations ) RETALIATION & FRAUD : XXXX has been deliberately causing harm to me in retaliation by re-reporting this account as a charge off every single month for the last 5 yrs. By doing that, creditors and the credit bureaus score this account as being newly charged off, which drops a person 's score far more than an account that was charged off 5 years ago as this was.

Previously, once an account is Charged off ( CO, the following months would be reported as NR= ( Not Reported ) I have discussed this fact with 3 separate underwriters in the Mortgage industry. XXXX does this to cause deliberate harm and this method was approved by their XXXX XXXX XXXX and likely other board members. XXXX literally creates a command for charged off accounts to continue to report each month, as a result my credit score is over 100 pts lower than what it actually should be. 

Note : I have dozens of examples how previous charge offs were reported with myself, family members, friends and relatives. I have spent dozens of hours researching others who have had charge offs in the past. 

What is their motive, everyone makes more money when borrowers have lower credit scores. The banks can charge more, so can insurance companies, and all financial institutions. Further, it forces Americans to purchase credit bureau memberships, just a few of the motives.
Consumer complaint received 2024-03-21
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. (TX)

I have filed disputes with TransUnion, XXXX, and XXXX regarding inaccurate information on my credit report. Despite listing the accounts and notifying them of the violations on my consumer report, I have not received any response from them after over 30 days. Attached below are copies of all the letters sent.

The company in question has violated FCRA 623 ( a ) ( b ) by neglecting to mark the disputed account as such.

Additionally, there is a violation of 605 ( c ) as the reporting period has been exceeded. The date of last activity on this account is being reported inaccurately, failing to reflect the actual last date a payment was made.

Furthermore, there has been continuous failure to validate the collection account, constituting a violation of FDCPA 809b, as per the opinion of the FTC.
Consumer complaint received 2024-03-21
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. (SC)

I hope this message reaches you. Upon reviewing my consumer credit report, I uncovered a significant breach of FCRA 15 U.S.C. 1681i ( 6 ) regarding the reinvestigation process. Your agency failed to provide the mandated written notice of reinvestigation results within the stipulated 5-day period, infringing upon my rights. As a result, I demand the immediate removal of the following items from my consumer report as per 15 U.S. Code 1681i ( 6 ). It has exceeded the 45-day limit since the completion of the reinvestigation, warranting this corrective action.
Consumer complaint received 2023-01-13
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. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-03-31
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 FCRA, XXXX XXXX Account # XXXX and XXXX XXXX Account # XXXXhave violated my rights.

Law 15 USC 1681 section 602 A. States I have the right to privacy.

Law USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without written consent, which I have not given.

Law 15 USC 166b. Staes a creditor may not treat a payment on a credit card aaccount under an open en consumer credit card plan as late for any reason.

Law USC 6802 Obligations with respect to disclosures of personal information.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I spoke to city of XXXX XXXX and they stated to me that they do not report bankruptcies to credit bureau 's and they didn't know why that would be on my credit and they also gave me some advice to where to look this information update so you're supposed to remove the public information. I was given the attached information.
Consumer complaint received 2024-02-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (FL)

This company NCB Management Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX is trying to collect on a debt without a proper license in Florida At this time I am requesting this company cease and desist all collection activities and remove this collection account from my credit reports they don't have a license to do business in FL this account has been written off by original creditor XXXX XXXX Account number ( XXXX ) and given a tax credit which neither company has sent me a 1099 form which is required 5 days after sale of debt. I reserve the right as a consumer to have accurate information reporting on my credit file under the fcra, thank you XXXX XXXX
Consumer complaint received 2023-05-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (IL)

Original complaint : XXXX Dear CFPB, regarding the already closed complaint above, the company responded stating that they would put this account on hold and the following " requested documentation from our creditor-client to support that the debt is owed by the consumer. We will send the documentation from our client to the consumer if and when we receive it. We trust this resolves your concerns. '' Tomorrow, 30 days would have passed since this response and I have not recieved a letter, phone call or Email or any type of communication from Credit Collection Services or the creditor-client to support that the debt is owed by me. Although I am not sure about the law surrounding the time frame for this is, I believe I have waited long enough and given that I can not receive any type of validation or proof that this debt belongs to me, I demand that the collections account be removed from all major credit bureaus as it is impacting my credit. I believe this is extremely fair as I can not be provided with the simple proof that I have requested.
Consumer complaint received 2024-03-21
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)

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, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-13
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: Experian Information Solutions Inc. (FL)

Not A DUPE .... this is a re-investigation on erroneous reporting.I have disputed this multiple times with Experian and the Creditor, the Creditor, XXXX, advise I should contact Experian and XXXX to fix this because they do not report to XXXX. 

In XXXX " Reaffirmation of Debt '' started appearing associated to my XXXX card. For some reason, there is something in the " back-end '' attached to the account that flags the record as a " Recent Collection '' and/or " Recent Bankruptcy ''. I have opened multiple requests to fix this since this is incorrect. Furthermore, my XXXX XXXX  was filed in XXXX and XXXX XXXX. According to the FCRA " Negative '' information can not stay on the credit file past 7 years, if my filing was in XXXX, XXXX would have been exactly 7 years. The bureaus and XXXX XXXX ( reported to the XXXX ) have been defaming my credit worthiness with other lenders causing reduction of credit limits, account closures which has raised my utilization and dropped my score from XXXX points before this happened. I can not get personal loans for emergencies and it appears I may have issues renewing my leased vehicle with all these errors which are willful and negligent violations of my rights under the FCRA since I have disputed these multiple times and NOTHING HAS BEEN CORRECTED. In fact, XXXX went ahead and re-aged the " Date Reported '' on my XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX which caused another set of account closures and negatively affected my credit. I have written multiple times about this and they continue to say everything is OK and not fix. In the meantime, years of working on my credit has been ruined by XXXX, Experian and XXXX for which i have another opened complaint. I need all this negative removed and permanently blocked from appearing. XXXX should not have re-aged the " Reported Date '' on the XXXX XXXX Multiple instances and months of complaints to the Credit Bureaus & each month the the score goes down and the credit line is decreased, and my credit score and creditworthiness has been negatively affected. Experian and XXXX continue to say the information is correct, but it is NOT. They are flagging the XXXX  XXXX as new somehow everytime they send the account update and worst yet, they are sharing this with all my lenders ruining all the reltationship it has taken years to establish and ruining my credit.
Consumer complaint received 2023-02-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

All number of companies had place hard inquires without my consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX