davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-19
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. (TX)

In According with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX and XXXX XXXX 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 that a consumer reporting agency can not furnish a account without my written instruction and permission.
Consumer complaint received 2023-02-23
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2023-02-23
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. (TX)

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, 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 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 2023-02-23
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. (GA)

Transunion is reporting the wrong addresses on my file. I have never lived at XXXX XXXX XXXX in South Carolina. I HAVE NEVER lived iN South Carolina at all. I have only 2 addresses in the last 30 years. XXXX XXXX XXXX and XXXX XXXXXXXX XXXX in XXXXXXXX XXXX. They are also still reporting the XXXX account but they changed it as " closed ''. this was a fraudulent account that I have filed a police report for and reported to the FTC.
Consumer complaint received 2023-02-23
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. (AL)

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  Acct # XXXX Balance {$51000.00}, XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX # XXXX, XXXX XXXX Acct # XXXX Balance {$28000.00}, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX Balance {$790.00}, XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX Balance {$5000.00}, XXXX XXXX Acct # XXXX Balance {$1200.00}, XXXX XXXX Acct # XXXX Balance {$6000.00}, XXXX XXXX XXXX Acct # XXXX Balance {$3600.00}, XXXX XXXX Acct # XXXX Balance {$4700.00} XXXX Acct # XXXX Balance 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 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 crime 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 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Lockhart, Morris & Montgomery Inc. (FL)

I have request multiple times Validation and any or all evidenace of these accounts affecting my fair credit rights, I have disputed These accounts that I have no knowledge about from XXXX XXXX XXXX XXXX XXXX Shows in my credit Reports as Act Number XXXX XXXX XXXX Lock Hart, Morris & Mont Act Number XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Account # XXXX is showing a delinquent balance although I paid the card of XX/XX/2023. I sent XXXX XXXX a billing error dispute pursuant to 15 USC 1666 ( b ), ( c ), ( d ), and ( e ) on XX/XX/2023 but received no response to the error. This account should have been updated to PIF status already and XXXX will not respond to my dispute to fix the error
Consumer complaint received 2023-02-23
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing this letter to dispute the alleged debts that have been reported on my credit report by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX and XXXX Bank. I am aware that my credit score has been negatively impacted by these accounts, and I believe that these accounts have been reported inaccurately and have violated several laws. 

Firstly, I believe that XXXX XXXX XXXX 's account number XXXX has been charged off unfairly, and their account number XXXX has also been charged off unfairly. These actions violate the FCRA and FDCPA, as I have not been provided with any notice or explanation for the charge-off, nor have I received any communication regarding the settlement of the debt. 

Furthermore, I believe that XXXX 's account number XXXX has been charged off unfairly, which violates the FCRA and FACTA. I have not received any notice or explanation regarding the charge-off, nor have I been provided with the required disclosures under FACTA. 

Additionally, I believe that XXXX XXXX  XXXX XXXX account has been charged off unfairly, and this violates the FCRA and TILA. I have not received any notice or explanation regarding the charge-off, nor have I been provided with the required disclosures under TILA. 

Finally, I believe that XXXXXXXX XXXX XXXX account number XXXX has been reported inaccurately as a collection account, which violates the FCRA and RESPA. I have not received any notice or explanation regarding the collection account, nor have I been provided with the required disclosures under RESPA. 

Therefore, I demand that these creditors take immediate action to correct the inaccuracies in their reporting and provide me with the necessary disclosures and notifications as required by law. If they fail to comply with my demands, I will have no choice but to take legal action to protect my rights. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-12
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. (IN)

Please consider this my Notice of pre-Arbitration After disputing the inaccuracies in my account, I requested the full account statement via phone call. XXXX XXXX, the Director of Operations, emailed me the requested documents. Upon thorough review, it's evident that this account has been inaccurately reported to both my XXXX and TransUnion accounts, while being completely omitted from my XXXX report. The pay ledger from XXXX XXXX indicates the last payment date as XX/XX/XXXX, and the account was charged off on XX/XX/XXXX. As per FRCA Furnishing laws, accurate and complete reporting is mandatory. Despite multiple investigations, the inaccuracies remain uncorrected. 

Moreover, the payment summary incorrectly indicates a collection status when the account should be in a charge-off status. Additionally, the account has been reported as in collection status for over six months, which is a direct violation of my consumer rights.
Consumer complaint received 2023-02-23
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. (TX)

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  Accounts : 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 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 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 2023-02-23
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. (OH)

my credit report is inaccurately reporting fraudulent information from all three credit agencies, transunion, XXXX and XXXX. The following creditors have reported fraudulent inquires : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting inaccurate information to transunion acct XXXX amount {$3100.00} date XX/XX/XXXX
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom it may concern, I made an uninformed decision on XX/XX/2021 when I entered into this consumer credit transaction pursuant to 15 USC 1601 ( a ). I did not understand the agreement because it was not clear and conspicuous. The informed use of credit results from an awareness of the cost thereof by consumers, an awareness I do not have.

Pursuant to 15 USC 1601 ( g ) ( 2 ), The term creditor is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of evidence of indebtness or, if there is no such evidence of indebtness, by agreement. Due to the fact that the agreement is not clear and conspicuous, that makes it null and void. The only evidence of a debt was the agreement, but that agreement is null and void because I made an informed decision. I did not understand the agreement because it was not clear and conspicuous.

Pursuant to 15 USC 1601 ( k ) the consumer must receive adequate notice. Adequate notice means a printed notice to a cardholder which sets forth pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to notice it and understood it's meaning.
Consumer complaint received 2024-03-12
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. (TX)

You have committed a Trespass by way of an Invasion of Privacy, Material Misrepresentation, Fraud, Unauthorized Use, Negligence, and Identity Theft pursuant to 15 USC 1681a ( q ) ( 3 ) and, Texas Business and Commerce Code Sec. 521.051. You are a consumer reporting agency as defined by the Fair Credit Reporting Act, " FCRA '', and a financial institution, and a nonaffiliated third party as defined by the Gramm-Leach-Bliley Act, " GLBA '', who obtained, used, and furnished my nonpublic personal information, personal identifying information, and identifying information without my consent pursuant to 15 USC 6801, Texas Business and Commerce Code Sec . 521.002, and Texas Penal Code Sec. 32.51.
Consumer complaint received 2024-03-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Consider this an aggressive notification that if your company fails to take corrective actions within 10 days to address the issues outlined below, I will not hesitate to file a complaint with the FTC. Your company 's blatant disregard for legal obligations is appalling. Your failure to respond within the mandated 15 days constitutes a clear violation, punishable by fines of up to {$1000.00}. 
Provide me with the detailed procedures followed during the investigation of the following accounts : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-23
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. (VA)

The account on my report from XXXX XXXX is FRAUD. I have disputed this with Transunion, sent them the FTC report of Fraud and they refuse to remove this from my file.
Consumer complaint received 2023-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP (TX)

I applied for a balance transfer with US Bank which I know exists. Soon after I was approved I began receiving emails ( from " U.S. Bank " XXXX ). I also received a telephone message. The message was from a " XXXX '' who identified himself as being from the fraud division. I was instructed to call back XXXX. I was to give the application # XXXX ( as I said I applied for a balance transfer ). I have never received any card. A recent email gave an XXXX number to call not an XXXX XXXX. Further, when I dialed the XXXX number I waited online for at least 30 minutes listening over and over again to a recording saying that I would soon be helped but I never spoke to a live person. When I checked the # using XXXX XXXX, the following came up : Scammers claim to be from US Bank complaint ( )... ( ( 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 Fraudster Complaints Finances Scammers claim to be from US Bank Complaint XXXX Fedup XXXX XXXX XXXX XXXX XXXX  United States They call saying that someone applied for a credit card in your name and they need to verify information, but don't be fooled, they only want to get your information. Comments 1 2 3 Next 0 -1 XXXX XXXX I need to know if this call is genuine and if I should return it again. Thank you.
Consumer complaint received 2023-02-23
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. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX XXXX only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$11000.00} XX/XX/XXXX XXXX XXXX  XXXX {$0.00} XX/XX/XXXX
Consumer complaint received 2023-02-23
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. (OH)

my credit report is inaccurately reporting fraudulent information from all three credit agencies, transunion, XXXX, and XXXX. The following creditors have reported fraudulent inquires : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting inaccurate information to transunion acct XXXX amount {$3100.00} date XX/XX/XXXX
Consumer complaint received 2023-09-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (CO)

My XXXX XXXX account got hacked that had my chime debit card linked to it and I only used XXXX XXXX to send money to a game I play but other than that I don't use it to send any money to anyone and before I knew that my XXXX XXXX account was hacked and whoever used my card to transfer money to 2 different XXXX XXXX accounts on multiple days that I didn't catch till later on because I don't usually check my account much especially XXXX XXXX  until this happened so I disputed it with XXXX XXXX  and my chime bank multiple times and told chime I disputed it with XXXX XXXX and rebuttaled my case 5 times at least which one time I rebuttaled that day they made their decision that same day like they didn't investigate anything and this keeps happening they don't seem to care about me or my money I was shorted rent because XXXX XXXX security was compromised and XXXX XXXX even shut down their app for a bit because they were having connection issues and gave screen shots of this information as well to chime my bank and they still refuse to help me or fight for me saying there was no error and so I lost XXXX dollars from this
Consumer complaint received 2022-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CO)

My mortgage was sold to Mr Cooper last XXXX. 

The mortgage is in a condo with an HOA. The condo has flood insurance through the HOA which we collectively pay for. 

Mr Cooper has forced me to buy flood insurance even though I have had phone calls in XXXX, XXXX, XXXX, XXXX AND XXXX explaining the situation. That I already have and pay for flood insurance through my building XXXX. 

On the phone, we notified them and submitted proof of flood insurance. They have still forced me to pay an ADDITIONAL {$400.00} / MONTH into my escrow account for insurance I already have. After XXXX XXXX of getting no-where with their phone service department, I am submitting this complaint.
Consumer complaint received 2023-02-23
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. (PA)

I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

I'm reaching out regarding these fraudulent items for assistance to REMOVE them from my credit report immediately.
Consumer complaint received 2019-08-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TN)

Hi, My name is XXXX XXXX. I have a bill with One Main Financial. I have been receiving harassing phone calls 3 or 4 times a day with the manager XXXX. I have explained to her the we were going through difficult times because we had to overpay the government {$800.00} a month. We had stop making payments at one time. We worked it out, I started back making {$800.00} payments to one main even though we are still struggling. She keeps calling 3 or 4 times a day even after I made the payments. One main is in XXXX, TN. The number is XXXX. I want it to stop or Im taking further action. 
Thank you