davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-20
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. (MO)

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Type XXXX XXXX XXXX Bankruptcy Status : XXXX Date Filed/Reported : XX/XX/2020 XX/XX/2020 Reference # : XXXX XXXX XXXX Closing Date : XX/XX/2020 Asset Amount : {$0.00} XXXX : XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX Liability : {$0.00} Exempt Amount : {$0.00} XXXX 15 USC 1681 section 602 A states i have the right to privacy. 15 USC 1681 section 604 A section 2 : it aslo states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 ( 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.
Consumer complaint received 2022-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TRUIST FINANCIAL CORPORATION (NC)

My son accidentally used a BB & T ( now Truist ) credit card on XX/XX/XXXX while out with friends to buy {$32.00} worth of food for lunch. He does not have a relationship with Truist other than this card. I co-signed for this card 5+ years ago with a limit of {$500.00} so he could start working on his credit score. I do have an extensive relationship with Truist and have been a customer for 24 years. He did not get a statement so they added interest and late charges for 2 months and contacted the credit agencies. I saw something on my online banking and looked into it and after researching realized it was reward points that had not been used. Last Friday, XX/XX/XXXX, I saw on my online banking a {$93.00} charge and told him right away. I realized it was late and transferred the money right away to pay it. He checked his credit score over the weekend and it has dropped XXXX points. I called Truist right away on Monday and talked to a relationship banker and she said she would fix it right away. She then called me back and said there was nothing she could do. The business banker called me on my cell phone ( which they have in my file ) and said there was nothing he could do either but I should keep him updated on what happened with my credit. Truist has sent me 23 messages on my online banking account since XX/XX/XXXX and not one was about the credit card not being paid. I checked my credit and it has dropped XXXX points as well.
Consumer complaint received 2023-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC (NY)

Milestone Mastercard offered me a credit card. I am currently trying to improve my credit score history, so I was concerned that if I was to apply for this card whether it would show up as a hard inquiry on my credit scoreboard. The company ensured me that it would not. However, I just looked at my credit scoreboard and saw that it is listed as a hard inquiry. I have tried to reach out to the company but I have not been able to get any response. Milestone needs to be ashamed of themselves for misleading their potential customers this way. I want that mark taken off my credit score as promised.
Consumer complaint received 2022-04-20
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. (MO)

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. 
DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX Page XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A states i have the right to privacy . 15 USC 1681 section 604 A section 2 : it aslo states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 ( 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.
Consumer complaint received 2022-03-25
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: EOS Holdings, Inc. (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (VA)

Trying to access credit report through Equifax. After navigating their automated phone system to finally talk with an agent, I was asked to give pieces of information to verify my identity. After giving all the correct information I was then disconnected saying my identity could not be verified, leading me to believe there are serious issues on my credit report including possible identity theft. Of course, there's no way for me to access and check because I am locked out giving my complete and accurate information.
Consumer complaint received 2024-03-11
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. (MD)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX - Account Number:XXXX THIS CONTRACT IS CANCELED XXXX XXXX XXXX - Account Number:XXXX
Consumer complaint received 2022-04-20
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all 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.
Consumer complaint received 2022-04-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (VA)

Across multiple dates in XXXX and XX/XX/2022, login to the Aidvantage XXXX XXXX XXXX processing website was attempted. Attempts were made during as well as after business hours on multiple days without any success at gaining access to my personal student loan billing information. Troubleshooting guides on the Aidvantage website were not helpful, if they loaded at all. Automated help desk calls also did not address the issue as it appears the login function of Aidvantage 's website simply odes not work. In fact, more often than not, the login dialogue box in particular will not load into the main website page. Reading the experiences of others on student loan finance forums indicated that this is the rule rather than the exception and many individuals with loans now administered by Aidvantage are frustrated with the company 's inability to provide adequate services for their customers. The website does not work.
Consumer complaint received 2016-06-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, National Association (DC)

Lender has failed to release escrow for 60 days after loan payoff. Lender originally had wrong forwarding address but has now had correct forwarding address and affidavits of non-receipt for 15 more days and has not released check. This loan was paid off XXXX/XXXX/16.
Consumer complaint received 2023-10-20
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. (FL)

The following accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done may attempts to reach out to 3 Credit Bureaus but the failed to give me any results or feedback 's about this concern. Please investigate and remove them from my personal credit file. Thank you.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (FL)

Reporting negative items on credit for XXXX XXXX, calling breathing over the phone not saying anything then hang up when I say hello. I have an old account with XXXX thats in debt, My wife added me on her phone line with XXXX I have same number from old debt. When my wife late paying late bill this collection agent violate me with punishment towards my credit. My wife account is different from my debt. They treat it as if its my account because of my number. Its unfair and unprofessional. Bullying tactics. Before account closed I tried making a payment plan XXXX denied my request.
Consumer complaint received 2022-04-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (MA)

On XX/XX/22 I received several new emails from Wells Fargo, stating that I had applied to open a checking account and it was approved in my maiden name. XXXX XXXX my current name is XXXX XXXX for the last 25 years. The other emails were about starting online banking how to sign up, and another email was about changing the email on the account. 
I called Wells Fargo and they did confirm that an account was opened today. It was a checking account with a zero balance. The account was frozen while they investigate it. I did fill out a police report, and call the credit bureaus. I also notified several of my Banks. And placed it alert on my credit bureau accounts.
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

Chex Systems has had a XXXX XXXX XXXX XXXX on a report with them for 5 years already I have done the math and it is well past the time for this item to be removed for good. I have also provided them with an ID theft report that they deemed wasnt " close '' to the time frame, I dont care what it was close to or wasnt close to I had ID Theft and they need to remove this information from their file.
Consumer complaint received 2022-04-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

Yesterday night on XX/XX/2022. I tried to open my Chase account and login but before I could log in a message popped up on the app saying that chase has locked my account for suspicious activity. They did not let me know anything before closing my account or locking my account. I began to wonder what could have happened because it was perfectly fine all throughout the day yesterday and even before yesterday. I even tried to purchase a hair and I wanted to check to see if the payment went through and it got denied because my account was locked. So this morning I called Chase regarding the issue and they emailed me that morning and also on the phone saying that they are closing my account and that I can not open any future accounts. That they are ending their relationship with me. And I feel like that is not fair to me because they will not give me any detail as to why they're specifically closing my account or for me to at least know any transaction that might have triggered it or if my account was being hacked. I don't think that it was right and I have the right to sue.
Consumer complaint received 2022-04-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2022-04-20
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: EQUIFAX, INC. (IA)

In accordance with 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 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-20
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. (IA)

In accordance with 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 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-10-20
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: Experian Information Solutions Inc. (TX)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/2021 XXXX 1

5 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over XXXX days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section XXXX ( a ), states that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report it's been XXXX days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2022-03-25
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: Summit A*R, Inc. (MI)

XXXX XXXX XXXX, These are the dates I submitted written dispute letters to XXXX Credit Bureau regarding Summit Account Resolution reporting debt of {$1700.00}. This is inaccurate, unverified and unsubstatiated.
Consumer complaint received 2024-03-14
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: EQUIFAX, INC. (NM)

Credit reporting agency not corrrecting late payments as requested inaccurate information reference 15 USC 1666B remove all late payments retroactivly to current across all agencys 15 USC 1666B
Consumer complaint received 2022-04-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NY)

after realizing the account might be a scam I contacted the company ( Coinbase ) to prevent the verification process and stop the transaction. I did not receive any help from their support team. After I called a few times no one was able to give me any guidance on how to save my money ( savings ). They did not ask me for any details about reporting the issue. There was no protection available, nor an insurance or funds security offerings. I submitted a complaint. I never received proper support. The money was gone. I understand the digital currency economy is very new, and regulations are not fully in place. But if one of the leading Crypto Exchange companies, such as Coinbase, which makes big profits, can not have self-regulated plans for cases and circumstances that should be serving a regular user/customer/like myself, it will not be fair to only focus on business success, without considering providing service and support to those whom they profit from.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act 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.