davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-12
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. (CA)

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 U.S.C. 1681. 

Account name : XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX, has violated my rights. 

15 U.S.C. 1681 section a. States I have the right to privacy - There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

15 U.S.C. 1681 section a. States a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681 section d ( 1 ) ( a ). States a consumer reporting agency shall provide to any person- ( A ) who regularly and in the ordinary course of business furnishes information to the agency with respect to any consumer 15 U.S.C. 1681 section c ( a ) ( 5 ). 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. 1681 section d ( 2 ). Any consumer reporting agency that furnishes a consumer report that contains any credit score or any other risk score or predictor on any consumer shall include in the report a clear and conspicuous statement that a key factor ( as defined in section 1681g ( f ) ( 2 ) ( B ) of this title ) that adversely affected such score or predictor was the number of enquiries, if such a predictor was in fact a key factor that adversely affected such score.

15 U.S.C. 1681s-2 section a ( 1 ). A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-03-24
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. (OK)

After realizing I had become a victim of identity fraud, I made contact with all three of the major consumer reporting agencies to inform them of this matter. In addition in included several dispute letters and also a copy of an identity theft report. Since reaching out to Transunion, they have yet to provide accurate verification and has failed to abide by the Fair Credit Reporting Act. It has been over 60 days and Transunion has not blocked or removed the fraudulent account in XXXX XXXX acct # XXXX. I have sent Transunion several pieces of documentation including a copy of my driver 's license, social security card, and utility bill with my most up to date current information supporting my claim. Transunion has failed to adhere to sections 605b, 609, and 611. It is clear my consumer rights are being violated and continue to be, in addition of my denial of credit due to inaccurate information being reported on behalf Transunion.
Consumer complaint received 2020-04-02
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. (TX)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked by the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX XXXX {$910.00} XXXX  XXXX XXXX  XXXX {$330.00} XXXX XXXX XXXX {$890.00} XXXX  XXXX XXXX  XXXX {$690.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX  XXXX {$580.00}
Consumer complaint received 2020-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, My name is XXXX XXXX XXXX For some reason I did dispute an incorrect credit usage and you guys instead to fix the issue reporting the correct amount on my credit card delete my card from my credit and I do not know why you guys did that? I need the report of my XXXX CARD back to my credit report including TransUnion. 

Please I hope that you guys can help me with this situation my credit decrease 69 points!! Its not fear I have been working so hard on my credit. 

Warm regards,
Consumer complaint received 2020-03-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reliant Capital Solutions, LLC (MO)

Education loan opened without me being present to open it on campus with financial aid office. Previous attempts of retaliation by XXXX through collection agency we're removed by CFPB ( should have record ). XXXX has not responded to validation request to restart original payment plan from XX/XX/XXXX at present income allowance via income based repayment. 

I received notification about seven days ago that my credit had changed and had not noticed it until today the XX/XX/XXXX. This is an additional attempt by XXXX to extort funds in retaliation for a Title IX investigation that was opened by me due to behavior of people that were living in our dorms. I was asked to leave campus and have not been back to open any education loans nor have my attempts to follow through with those efforts been responded to by those who initiated the order from me to not to resolve matters, in person, on campus. 

Reliant Capital Solution is requested XXXX which I believe XXXX was looking for XXXX originally and they have no responded to my certified letter. 

To my knowledge I have not taken out any new education loans with Reliant Capital Solution nor XXXX in XXXX. The only debt I had with them was in XXXX Cashier 's office from XX/XX/XXXX and it was on an on/off payment plan due to me being homeless at the retaliation of the school.
Consumer complaint received 2020-03-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Portfolio Recovery services has been taking XXXX dollars from my bank account every month for a debt i have to XXXX. Everything was going fine, but XX/XX/2020, the amount went up from XXXX to XXXX. This is even reflected on my credit report. I spoke to portfolio recovery services on XX/XX/XXXX and they said it was a system glitch and it would fixed shortly, but it hasn't been fixed and it is negatively affecting my credit report by having an account in collections increase in balance owed. i do not feel they will resolve the problem if i contact them a second time that is why i am filing this complaint.
Consumer complaint received 2020-01-08
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNT -- 1. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account.
Consumer complaint received 2020-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (AZ)

I opened an XXXX credit card through US Bank late 2019. In XX/XX/2019 I wrote and mailed a check for the full payment amount to US Bank. I emailed it as early as possible because I wanted the check to clear before XXXX. The check never cleared - it was mailed almost a month prior to the due date - so I called and made a payment over the phone and put a stop payment on my check with my financial institution because I figured the check was lost. 

About 2 weeks later ( 5 weeks total since I mailed the check ) US Bank cashed my check even though I had a stop payment - apparently they changed the name of the entity the check was made out to which allowed them to cash the check even though it had a stop payment. They then charged me a {$25.00} fee because I  requested them to refund back the payment amount - they had double my payment ( the original check + the phone payment ). 

I did nothing except pay my bill on time and I found myself paying a {$25.00} fee. I submitted an appeal and never heard back from the appeal. Finally I closed my account to avoid dealing with US Bank any longer.
Consumer complaint received 2020-03-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc. (NJ)

On XX/XX/2018 I apparently had a balance of {$77.00} for XXXX XXXX XXXX XXXX - this was all part of an emergency visit to XXXX XXXX Hospital in NJ. My co-pay of {$200.00} by XXXX XXXX Hospital in NJ was settled and taken care of I have documentation to prove, minus the apparent charge of XXXX above. XXXX XXXX XXXX XXXX mailed billing to my insurance company, however, when I reached out to my medical insurance company, last Friday they tell me they have no collection of this billing. When I reach out to XXXX XXXX XXXX  XXXX, they realized that they billed with an incorrect account number. In the interim, I've been on the dark, not knowing or had no idea this was happening. I reached out to the XXXX XXXX company on my credit report and they are telling me that now it's too late anyway because this was back from XX/XX/2018 and that XXXX XXXX   XXXX can no longer bill my insurance company, XXXX XXXX XXXX XXXX. However, here I am with this stain on my credit report, preventing me from seeking a decent rate on a home re-financing because of this. The rest of my credit is in great standing however, this mistake is affecting me. I'm not sure what to do, I don't care I would pay the XXXX dollars to clear this up, however, they're telling me it would take up to 3-6 months and it would only showed " paid '' it wouldn't be removed, this is so unfair. As a consumer, I feel trapped without any valid options to clear up my credit report as it should be. Please please help me. Thanks so much!
Consumer complaint received 2022-10-12
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. (MA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated as the accuracy and verification of the information. Although I talked to the company and they agreed to repair the account in my file. I keep my own accounting records for payments, and the one you have does not line up with what I have. Please fix the account : XXXX XXXX XXXX
Consumer complaint received 2020-04-02
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. (TX)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked by the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX XXXX {$910.00} XXXX  XXXX XXXX  XXXX {$330.00} XXXX XXXX XXXX {$890.00} XXXX  XXXX XXXX  XXXX {$690.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX {$580.00}
Consumer complaint received 2020-03-23
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. (GA)

XXXX XXXX XXXX did a hard credit inquiry on my credit WITHOUT my permission. 
The reason why they did it without my permission is because I have a SECURED visa card that is secured with my own funds. 
In order to increase the credit on this type of account, you have to request a credit limit increase in writing by submitting a cashier check or money order and a written request to increase the credit amount on this type of secured visa credit card. 
In the letter, you also have to state your gross income, and monthly rent amount. 
The instructions on the letter did not say they would have to do a HARD credit check. 
This is wrong and fraudulent and misleading to do a HARD credit inquiry on a secured visa card. And whats so disappointing is a regular credit card never did any type of hard credit inquiries whenever i requested a credit limit increase. I have a master card and a 2 store credit cards and never ever have they ever did a HARD credit inquiry. 
Now, i understand, if i was trying to apply for a new credit with a new card, yes, i would expect to see a HARD credit check, but for a secured credit card that i had for over 6 years, that i personally funded with my own money, and you still do a HARD credit inquiry? this made me so upset and mad because this company does not want me to succeed at all. And i decided to give my secure my funds with an existing credit card, if i would have know that they were going to be evil and do a hard credit check, I would have gladly opened up a new credit card with the intentions of seeing a Hard Credit Check because of this new credit card. 
I already wrote to XXXX XXXX and they replied back. I also submitted a dispute to XXXX  credit bureau. 
The date this hard credit inquiry occurred XX/XX/2020 2020
Consumer complaint received 2020-03-23
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. (MI)

My Complaint is Against All the Companies Listed XXXX XXXX, XXXX, Equifax and XXXX  are reporting Bankruptcy information on my credit reports, which has caused me high interest payments on loans and credit cards. It has also caused me to be denied on various applications and credit cards. 

I have sent XXXX, XXXX, Equifax and XXXX  copies of information from the Bankruptcy XXXX that states they do not report to any credit reporting agencies. 

In addition, I requested each agency to stop reporting my information to everyone unless I consent by requesting a credit freeze. They all are reporting the information without my consent since XXXX and have not complied with the credit freeze or my option to Opt Out. 

I also sent documents concerning the class action law suit filed on the reporting agency for reporting Bankruptcy and each of these agencies refuse to change the disputes. 

This reporting is caused me to be denied a mortgage, and employment. My auto insurance cost has increased by doubled with this reporting. The interest rate on my auto loan has doubled and caused me to be denied for even refinancing my auto loan at a lower rate. 

Dates and File # : XXXX  File # XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX  Report # XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX Consumer  # XXXX & Case # XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Equifax Reference # XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2022-11-09
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: EQUIFAX, INC. (TN)

am a natural person, I am a living human being. I have rights under 15 USC1681 Equifax is govern by 15 USC1681, and they violated my rights numerous of times. I demand these accounts listed below be removed because according to 15 USC1681 I have the right to privacy and i did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-23
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. (MI)

My Complaint is Against All the Companies Listed XXXX XXXX, TransUnion, XXXX and XXXX  are reporting Bankruptcy information on my credit reports, which has caused me high interest payments on loans and credit cards. It has also caused me to be denied on various applications and credit cards. 

I have sent XXXX, TransUnion, XXXX  and XXXX  copies of information from the Bankruptcy Court that states they do not report to any credit reporting agencies. 

In addition, I requested each agency to stop reporting my information to everyone unless I consent by requesting a credit freeze. They all are reporting the information without my consent since 2019 and have not complied with the credit freeze or my option to Opt Out. 

I also sent documents concerning the class action law suit filed on the reporting agency for reporting Bankruptcy and each of these agencies refuse to change the disputes. 

This reporting is caused me to be denied a mortgage, and employment. My auto insurance cost has increased by doubled with this reporting. The interest rate on my auto loan has doubled and caused me to be denied for even refinancing my auto loan at a lower rate.
Consumer complaint received 2023-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting Act, XXXX account # XXXX has violated my rights. 15 U.S.C. 1681 section 602 A states I have the right to privacy. 15 U.S.C. 1681 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-03-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (NC)

I had an auto loan through JP Morgan Chase that was paid off XX/XX/XXXX of 2020 ; however, I forgot to stop automatic payments from drafting from my checking account at XXXX XXXX XXXX XXXX. I had an automatic car payment of {$470.00} drafted from my XXXX XXXX checking account on XX/XX/2020. I called and spoke to a representative at JP Morgan Chase on XX/XX/2020 who informed me that they denied the payment on XX/XX/2020 and the money would be returned into my checking account within 10 business days of the rejected payment. On XX/XX/2020 which was 10 business days since the rejected payment, I called JP Morgan Chase. The representative I spoke with informed me that the issue was now with our bank and there was nothing further they could do. I spoke to my bank that same day and they informed me there was nothing they were able to do, the money was out of my account and they had no control over it anymore and so it was in fact still an issue with JP Morgan Chase. I spoke with a representative on XX/XX/2020 from JP Morgan Chase and was informed I needed to submit proof of the money being drafted out of the XXXX XXXX checking account to their secure message center. I did and was told it would be 10 business days before the money was returned. It has now been more than 10 business days since I was told the payment was rejected by JP Morgan Chase and the money was drafted from our XXXX XXXX checking account. I have attempted to contact someone who is able to help from JP Morgan Chase and have had an incredibly difficult time finding a representative who is able to do anything other than transfer me to a different department. I have had me call disconnected or unanswered several times after spending 40+ minutes on hold. I would like to know where exactly my {$470.00} is and what I need to do in order to have it returned.