davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-06
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)

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. 

Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX XXXX  : Account XXXX Account Name : XXXX XXXX : Account XXXX Account XXXX XXXX XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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  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 2022-10-05
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)

On XX/XX/XXXX I sent out letters certified mail to each credit reporting agencies regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and everything as accurate. 

This is false because there are numbers of inaccuracies and inquiries on my consumer report that still remain. 

XXXX. I never gave this creditor my written consent to run my credit, therefore, it is fraudulent and this is violating permissible purpose and needs to be removed. 
XXXX Date of inquiry : XX/XX/XXXX XXXX. I never gave this creditor my written consent to run my credit, therefore, it is fraudulent and this is violating permissible purpose and needs to be removed. 
XXXX Date of inquiry : XX/XX/XXXX XXXX. These late payments need to be removed because XXXX is reporting me being 30 days late in XX/XX/XXXX but XXXX and TransUnion are reporting I paid on time. 
XXXX XXXX Account Number : XXXX XXXX. These late payments need to be removed because XXXX is reporting me being 30 days late in XX/XX/XXXX but XXXX and TransUnion are reporting I paid on time. 
XXXX XXXX XXXX Account Number : XXXX XXXX. I am disputing this account for inaccurate information because you are reporting the date of the last activity incorrectly. XXXX is reporting the date of last activity as XX/XX/XXXX while Transunion is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Having the wrong date of last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off. 
XXXX XXXX Account XXXX : XXXX XXXX. This charge-off is past the statute of limitations in my state of Florida for them to legally collect from me. Since they can not legally collect from me, having a past due balance is inaccurate and illegally reporting since charge-offs can not have a past due balance. 
XXXX XXXX Account XXXX : XXXX They have failed to perform a proper investigation pursuant to 15 usc 1681 ( a ) ( XXXX ) ( XXXX ). 

I am now requesting the description of the reinvestigation procedure pursuant to 15 usc 1681i ( XXXX ). They have 15 days to respond the description or else above listed accounts need to be removed from my consumer report.
Consumer complaint received 2019-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY (NJ)

I applied for a Wells Fargo Visa credit card back in XX/XX/XXXX. During the application process, the representative who put my SS number through, got it wrong. I repeated myself at least 3 times too. It has been XXXX ever since. Each time I call, the automated service denies me as a customer. I have called for two months about this issue and I get the same run around response ... '' I have forwarded your complaint to the executive office. Someone will call you back within 2-3 days. '' They are full of it. No one has called!! 
What I don't understand is how I even got approved? They tell me they can find me in the system but it is WRONG through the automated service. How can they mess up something so important?? And it's evident they are not taking this complaint seriously. I am tired of trying to resolve this with them. I even mailed out my correct SS number on a form and it's STILL not corrected. I'll never do business with them again after I pay off this card!!
Consumer complaint received 2024-03-06
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. (GA)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX GA XXXX TransUnion Dispute XXXX XXXX XXXX XXXX, PA XXXX XXXX : Request for Investigation of Unauthorized Credit Inquiry I request that you investigate the inquiries on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 

Thank you for your assistance in this matter, 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
Consumer complaint received 2022-07-27
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. (NC)

It has been found out that you are not REMOVING items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2000.00} ; XXXX XXXX Balance : {$890.00} ; XXXX XXXX XXXX Balance XXXX {$330.00} ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-05
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: EQUIFAX, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SSN : XXXX DOB : XXXX Re : Creditor/Debt Collector Amount Owed This letter is in regards to the disputes asking for a legal debt validation. I inquired about these accounts that is listed on my Credit Reports : XXXX XXXX XXXX XXXX {$5700.00} XXXX {$3400.00} XXXX XXXX XXXX  {$580.00} XXXX/XXXX XXXX {$660.00} XXXX XXXX  {$430.00} XXXX {$18000.00} XXXX XXXX   {$38000.00} You were unable to provide me any legal documentation proving these accounts is legally valid. How did you investigate this account without any documentation? I need this debt validated or remove all information regarding this account from my credit reports. 

If this incorrect information is not removed from my credit reports within 30 days, I will file suit against your company for violating FCRA section 623. I am including a copy of this letter to my attorney. 

I only wish to communicate via mail. Please do not call me. 


Sincerely, XXXX XXXX XXXX Cc : XXXX XXXX XXXX
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I paid Bank of America all funds owed in a lump sum single payment. I owe no funds to this creditor. I am still being pulled as unpaid and denied accounts because of Bank of America even after receiving documents verifying From BOFA I am marked as paid. This is one of many issues I have with this report. They have reported a account that was under my name to XXXX and XXXX XXXX  both for fraud. I have not committed any fraud, this information is not accurate the account was closed due to over draft which was paid back when I could afford to do so. I was told by BOFA I would be removed out XXXX once paid but i gave neither permission to share or send my information any where at any point. After they received funds I was told they did not have to remove me it was by choice and they had the right to report me. XXXXXXXX XXXX stated only Bank Of America could remove me when i reached out to XXXX XXXX to verify it was marked as paid and stated it was showing unpaid by other banks. I should have obtained agreement for removal in writing but I believed BOFA had good ethics at one point. My rights as a consumer have been violated. this creditor 's risk department closed the account and sent MY information to a furnisher with out my knowledge and when i called I was mislead and provided false information by individuals who work for BANK OF AMERICA -in my opinion to get a payment out of me. Employees are the responsibility of the business and liabilities which is why proper training is required when working with clients personal information as my livelihood has been damaged by BOFA misinformation to me, lack of training their employees and it shows in what is being reported about me. XXXX is a consumer report. I am a consumer I should not be marked as fraud account if they are trying to be " strict '' they need to change the status to something that fits the situation such as account abuse which is a option with XXXX XXXX. if it can not be done then 15 usc 1681e ( b ) needs to be enforced as the reported information is not accurate for my case. Previous documents show it was closed by risk due to over draft but over draft is account abuse not fraud if it was marked as fraud and funds were obtained it should be changed to abuse as clearly it was not fraud. It is not fair to punish me for something I took care of. It reflects as if i commit fraud and that is not accurate. If my XXXX  and XXXX XXXX status as fraud can not be changed it needs to be removed. As 15 usc 1681e ( b ) and per 15 usc 161a ( 2 ) 9 ( B ) but i am trying to be fair even if BOFA has not been.
Consumer complaint received 2023-01-13
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. (PA)

I XXXX XXXX, Consumer and natural person am a victim of Identity theft. XXXX, Transunion and XXXX have used and furnished my consumer report without my consent, authorization or written instruction. They allowed companies to share my nonpublic personal information without consulting me and used that information to furnish. Congress makes it clear that the consumer has a RIGHT TO PRIVACY! XXXX, Transunion and XXXX have violated my federally protected right to privacy by failing to meet the needs of congress by ensuring that the exercise their grave responsibility with respect of the confidentiality of my personal information. The Fair Credit Reporting Act was intended to ensure that consumer reporting agencies exercise their responsibility with fairness, impartiality, and respect to the CONSUMERS RIGHT TO PRIVACY! XXXX, Transunion and XXXX are in direct violation of the FCRA and Gamm Leach Bliliey Act of XXXX
Consumer complaint received 2022-10-05
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. (LA)

I XXXX XXXX and my attorney requested the full results of the investigation into my disputes and I have been refused to receive the result of my disputes despite my many attempts to the credit bureau. This is my last attempt to get the full results of the investigation into the disputes I have placed well over 60 days by law. one company agreed, after the account was paid in full it would be removed from my credit report the account was paid in full some years ago and the account is still on my credit report. PLEASE REMOVE THEM ASAP. Consumers have a right under the FCRA to challenge information in their files that they believe is incorrect. Consumer reporting agencies are required to investigate claims that there is inaccurate information, and when information is proven to be inaccurate, agencies must correct the mistake. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in In accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address, and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). Myself and my attorney is in the process of filing a federal lawsuit if we don't have the full disclosure of the investigation into my disputes. As stated above the credit bureau violate my rights and the FCRA, they have discredited me and my worthiness. This is my last attempt before a federal lawsuit is filed. This is also notice of my intent to file.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 Dept of EdXXXX XXXX XXXX XXXX Dept ed 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 2018-05-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

XXXX XXXX has attempted several times to resolve this matter. It all started with XXXX Loss Mitigation ; attempted several times to obtain a affordable payment, and no luck whatsoever. Now it was transferred to Specialized Loan Service and the same issue keeps occurring with her mortgage. XXXX XXXX has gone thru some financial and medical issues, but now she is full in force to make all payments on time. Currently there is a foreclose in process and she is seeking to avoid this to going any further.
Consumer complaint received 2022-10-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC. (MD)

XXXX transferred my Savings Account to Citizens in XX/XX/2022. XXXX did not charge my account any service fees. Citizens immediately began charging me dormant fees, service fees, and now statement fees. I did not consent to all these fees, and Citizens did not clearly advise me of the change in terms during transfer.
Consumer complaint received 2019-07-18
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Turning Point Solutions LLC (CA)

On XX/XX/2019 and XX/XX/2019, I stated to the company I was willing to pay what I was paying the other debt collector, XXXX, who went out of business, which is {$100.00} a month. However they wanted me to agree to their terms of payment. So I asked if I could have until the end of the month to budget, the supervisor got on the phone and said you know how much you make, you have 2 hours to agree to our terms or we are going to garnish your wages and I have your employers contact information. I said I will agree now on the {$100.00} a month but he told me to keep my little money for my lawyer. Then I said I have one and I pay every month, he said whats the number about 5 times before I hung up. I also got a message that I refused to pay which I never refused to pay.
Consumer complaint received 2020-02-26
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

COINBASEs transfer to a FRAUD SCAM Brokers : XXXX. I would like to bring your attention to a serious issue I have with COINBASE that first took place at the beginning of XX/XX/XXXX. I have been victimized by a multilayered scam operation orchestrated by XXXX - the Company. The funds were transferred utilizing COINBASE 's services in the total amount of XXXX EUR! I would also like to point out that on the XX/XX/XXXXXX/XX/XXXX - I filed a dispute with COINBASE.
Consumer complaint received 2020-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (MA)

On Sunday, XX/XX/XXXX I noticed a charge on my Discover card account that I did not recognize : XX/XX/XXXX XXXX  for {$170.00} I immediately started a dispute, and a temporary credit was issued. 
I received a very poor quality copy of what looked like a shipping label and was told this was proof of a legitimate charge. I wrote a letter on XX/XX/XXXX to both Discover and to XXXX requesting information about the purchase. 
How was the order placed, online or by phone? Did the expiration date and CVV code match? 
I then received an email on XX/XX/XXXX from Discover that stated : We've received your request to continue evaluating your dispute. After reviewing the information you provided, we determined that we've already considered this information or it was insufficient and we could not continue the dispute. If you have documentation you have not yet shared with us, please send it within 15 days of receiving this letter and we'll continue working on your dispute. 
So I wrote another letter on XX/XX/XXXX, stating : I find it interesting that Discover is asking me for information that I can not possibly have, since I did not make the charge. I have never purchased anything from XXXX. This is a fraudulent charge. 
And the charge was put back on my account. So I wrote another letter on XX/XX/XXXX, asking the same questions. I was not given the courtesy of a response. 
So I wrote again on XX/XX/XXXX, and I also did an online chat. I was told that I needed to call Discover to continue the dispute. Discover requires written notification of any fraudulent charge. And I am requesting the same. I have written, and I have no response. Did anyone ask XXXX who placed the order, how was it placed? Can it be traced? I know they have not responded to my request for information. Is someone looking into the unauthorized use of my credit card? 
The entire balance on my account is this unauthorized charge plus interest. And I now have an email stating that my account is past due. Since I have not charged anything, I have a zero balance.
Consumer complaint received 2022-10-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: NAVY FEDERAL CREDIT UNION (AZ)

On XX/XX/27 two wire transfers were made to my account, for my job. I had just started this job with The XXXX XXXX XXXX, who I believed to be a financial firm who works with cryptocurrency. They instructed me to pull the funds from my account and purchase bitcoin at a bitcoin atm for the client. I did so, then a few days later, they reversed the wires. At this time, I contacted the company and asked what was happening, they stopped answering my calls and emails and at this point I realized I had been scammed. Now, what I am filing a complaint about is with XXXX XXXX. I have been a client with them for almost a decade and have always been in good standing with them. When I talk to them, they treat me like I had a hand in this, have implied that I am not smart for even taking a " job '' such as that, and have basically told me I am screwed and that I " spent '' the money myself. As well as now being labeled a risky client to them. ALL of my funds have been placed on hold, to repay the person who reversed the wire transfer, which was clearly the persons plan all along after receiving the XXXX. With no resolution date and even a guarantee that my money would be released. I have now had to completely uproot my business with XXXX XXXX and find another financial institution. Which I did not want to do. The amount of money that was in my account prior to the wire transfer is all I wanted to be released back to me. One account had XXXX in it, the other had XXXX. They are basically siding with these other people instead of their client, putting me and my family in a bind unnecessarily. I would like there to be some kind of reason as to why I am the one responsible to pay these fraudulent wires back.