davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
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. (GA)

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.

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 2022-07-27
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. (WA)

In accordance with the Fair Credit Reporting act 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.
Consumer complaint received 2021-07-22
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated (AL)

XX/XX/XXXX and XX/XX/XXXX I was charged two different amounts to two different companies in which I did not authorize. 

XX/XX/2021 PURCHASE XXXX XXXX XXXX XXXX # XXXX / XXXX, XXXX - Cleared - {$95.00} XX/XX/2021 PENDING PURCHASE CS *XXXX XXXX XXXX / XXXX, XXXX - Pending - {$12.00} I called the XXXX to dispute these charges or cancel them. I could not do either -they stated I had to wait 7to10 business days. 
I am not happy that I can not get the money because my card was compromised, and I can not even dispute the charges until 7-10 business days later. THEN to add to this disaster XXXX charged me {$4.00} for a replacement card for something that was NOT EVEN my fault I have called XXXX and requested they send me the paperwork to just get a paper check in the mail from now on because it is way to hard to stay on hold then wait to dispute something and not have access to your money when it is needed. 
I thought Mastercard backed their product better
Consumer complaint received 2021-02-18
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: Army and Air Force Exchange Service (NV)

Back in XX/XX/2019, I had a briefly late payment with my Military Star credit card. ( Used for purchases on U.S. military post exchanges. ) I quickly paid it, and requested the removal of this from my credit report, as I've had 100 % on-time payments with Military Star and all other credit cards and payments since then.
Consumer complaint received 2019-07-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Perfection Collection (NY)

Received a notification from XXXX card that there was a change in my credit score. My score went down over 50 points. Went to the XXXX website and there is a collections account with Perfection Collections for over {$2600.00}. I immediately called them. The lady XXXX asked if I ever lived at XXXX XXXX XXXX. I stated no, my ex husband lived there. She stated she was going to email me a paper and she would request the original paperwork from XXXX XXXX, it would take 24 hours. I received the email and immediately called her back. Asking why my name was spelled wrong. She said that is how the name was spelt with XXXX XXXX. I told her that is how his new wife spells her name. That I would never spell my name wrong. I have never heard back from them. I have left voicemail, sent 3 emails now, sent a letter through the mail. I tried to dispute it with XXXX, but Perfection collection said it was valid. The paperwork I have seen says the debt was charged off in XX/XX/2010.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I had a stellar credit report for 30 years but recently my open debt mounted. Suddenly XXXX XXXX and other credit cards cancelled credit card accounts that were in some cases XXXX XXXX XXXX and were not delinquent. My complaint is that I paid off these debts as soon as I could and in complete within a month or two of these cards closure. Now they show as settled accounts. But settled accounts implies I paid less than what I owed or I used an agency to negotiate on my behalf. I actually have always paid my debts in full. I do not want any credit agency to reflect that I do not pay my debt and I want to correct the record. I am an upstanding citizen and my wife and I are XXXX. Please help correct my credit reports.
Consumer complaint received 2023-01-13
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. (NY)

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Here is the list of items which are UNKNOWN to me : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$31000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$52000.00}, XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$12000.00}.
Consumer complaint received 2019-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

I have been trying to get my mortgage company MR Cooper to pay my property taxes from my escrow account, the taxes are several months overdue. i have talked to them several times over a period of two months and they still have not paid the taxes. The amount due was XXXX and now due to interest and fees it is at XXXX due. I just received a letter from an attorney representing the appraisal district say they are going to sue me if the taxes are not paid. I have relayed this message and all the paper work they have asked for and it has not been paid.
Consumer complaint received 2020-02-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc. (MD)

XX/XX/2020 I made a complaint XXXX-XXXX  to verify that the report of {$490.00} is valid and owed to Bureaus. The company responded by sending statements to prove validity. I request that the company review the attached letter and state their validity to collect this debt using the federal regulated laws to prove ownership.The Bureaus can not prove ownership of an account by submitting itemized bills. I must have written verification of whom verified the account and a contract bearing my signature.
Consumer complaint received 2018-05-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NRA Group, LLC (NY)

on XX/XX/2018 at XXXX XXXX I was called by someone from this company about a debt from an old Electric bill that I had in the past that was included in my XXXX  XXXX. I told the woman that I did not have the attorney phone number or the case number because I was at work but I did however have the name of my attorney. I spelled out the first and last name of the attorney and said if she XXXX the name his address and phone number would come up. The rep then got very rude and said that its not her responsibility, I said ok well I'm at work and I cant search for the phone number or address for you. she then said that I will still receive collection calls until I call back and provide all the information. which I feel is illegal. If I mention that I have an attorney and that I have filed Bankruptcy they shouldn't call me anymore or threaten to.. so then after she said it wasn't her responsibility I told her DO NOT call me again I don't even care about this. she then got snippy and said well we will still call and this will still affect your credit and she hung up on me. I feel like she was very nasty, demanding, condescending, combative and abusive. A telephone bully. I'm Contacting my attorney in regards to this to see what legal rights I have in regards to a potential lawsuit also will be filing a report with the state attorney general and the XXXX.
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. (AZ)

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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 S-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 2021-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Balance Transfer were sold to me as 0 % interest for 12 months. Bank of America did not honor this and started charging me interest at 19.99 % immediately. This is textbook " Bait and Switch '' which is illegal.
Consumer complaint received 2023-01-12
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. (NJ)

My name is XXXX XXXX, and I am writing this personal statement on my own behalf. After carefully reviewing my credit portfolios, it has occurred to me that my identity was at some point stolen. Various accounts were opened for financial gain and services. The listed accounts in this report I would like removed immediately. 

Fraud 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
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (PA)

I applied for a Chase Sapphire reserve credit card. 

In spite of my longstanding and impeccable credit payment with Chase as an existing customer they pushed my credit application to a 1 to 2 week review process. Upon further inquiry I was informed after submitting my application that Chase ( upon pending approval ) is going to be pulling credit limit from one of my other Chase credit cards to use towards the Saphire Reserve Credit card that I had just applied for. Chase made no mention prior to the submission of the application that this approval would be contingent upon reducing the credit limit of one of my other credit cards to be used towards the new credit card. I had no way of making an informed decision about this application with regard for the aforementioned. The addition of this new card would not be decreasing my credit utilization ratio as I had thought it would be. These application stipulations should be brought to the attention of the consumer prior to completing a credit application. 

In short I blindly applied for a Chase credit card and had a hard pull on my credit report. Had I known they were going to be reducing the credit limit of one of my other credit cards, I never would have applied for their credit card.
Consumer complaint received 2019-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (NY)

I transfer some balance to my credit card and even though I paid off the balance off, they kept charging me balance transfer fees. Besides this, I disputed some charges back in XX/XX/2019, they asked me for police reports and extra paperwork. Two months ago I contacted TD bank to inquire about the dispute, they asked me for some more paperwork, I called today t inquire again, they said my time to dispute these charges is over!
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I contacted Experian regarding a XXXX debt from the company affirm. I noticed this debt when checking my credit report. I informed Experian I was never associated with this company and this was identity theft. I proceeded to dispute this debt with Experian and also called XXXX to get details on the debt. I provided Experian and XXXX with a FTC identity theft and a police report. I was told by a representative from XXXX that the account was under investigation. On XX/XX/2022 I received notification from Experian that my dispute had been resolved and the XXXX debt would remain on my credit report. I was told to contact XXXX again regarding this matter. I contacted XXXX and I was told this account should have been removed from my credit report. Experian keeps reporting inaccurate information and refuses to rectify my issue. I was told that experian has not received any mail from me which I will attach to this.
Consumer complaint received 2022-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Hello, I have a huge concern that Equifax is not reporting the correct credit score. I have XXXX score. XXXX is XXXX, XXXX is XXXX and Equifax is XXXX. How is it possible for Equifax to have a XXXX point difference from XXXX when the credit report has all the exact same information? 

I have all XXXX reports attached for your review and would like for Equifax to review and update my credit score accordingly. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2021-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ARVEST BANK GROUP, INC. (AR)

On Saturday XX/XX/18 I called the Arvest customer service line and spoke with a representative to stop payment on an unauthorized {$560.00} charge I saw listed in my pending transactions. I was told the payment would be stopped and I would be charged {$30.00} for a stop payment fee. The unauthorized {$560.00} charge was then paid out of my account the following Monday after I was charged the stop payment fee. I called the Arvest customer service line back and was refunded the {$30.00} stop payment fee. I filed a dispute with that customer service agent for the unauthorized charge, but did not receive provisional credit back for the unauthorized amount paid ( {$560.00} ). I went to my local bank branch ( XXXX XXXX XXXX, Arkansas ) to ask for provisional credit until the amount is refunded. I was told that this isn't my fault, but there is nothing they can do to help me- it is out of their control. I asked them specifically about Reg E, and they said they do not know what Reg E is. In the mean time, I have a negative bank account balance and no money for food or gas until I get paid again on 10/5, and I have been charged {$51.00} in NSF fees.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

By listing these accounts in this dispute, they have contravened my rights as protected by 15 USC 1681e ( b ). As a result of providing inconsistent information to each credit bureau, I experienced the negative consequences of a diminished credit score. In accordance with the rigorous liability standard of the FCRA, culpability against a CRA can only be established for a single violation. At present, I have no intention of initiating legal proceedings against your agency ; however, I would appreciate it if you could rectify the error that appears in my consumer report. If this erroneous information persists, I will be compelled to resolve the situation independently. Credit bureaus are required by law to report only 100 percent accurate credit information. It is imperative that every effort be made to ensure that the information being reported is entirely precise and true. Therefore, the following information requires further investigation.
Consumer complaint received 2023-07-27
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. (TX)

I mailed dispute letters to XXXX, EQUIFAX XXXX XXXX for the following accounts appearing 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 XXXX XXXX  This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt.

The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : consumer report So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : This makes your social security card, drivers license/ID, and license plate credit cards that are/were used ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.
Consumer complaint received 2017-07-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XXXX XXXX, 2017 I received a notice from Bank of America on my equity loan claiming that I applied for loan assistance for this loan ( which I never did ) that I missed payments when I am on auto debit from my checking account ( never missed any payments ) and that I am subject to foreclosure if I do n't complete their borrower response package ( when I never did any such thing ). All proof of statements are attached.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Re : Consumer Financial Protection Bureau Complaint - Removal of Non-Mailable Address Dear TransUnion Consumer Dispute Center, I am writing to dispute and request the immediate removal of a non-mailable address from my credit report. The address in question is as follows : XXXX XXXX XXXX XXXX XXXX, CO XXXX I want to highlight that XXXX  no longer reports this address, and its inclusion in my TransUnion credit report poses a potential identity theft risk. To safeguard my personal information and maintain the accuracy of my credit report, I kindly request TransUnion to promptly remove the non-mailable address mentioned above. 

I am requesting a thorough investigation into this matter and expect confirmation of the removal, sent to my address listed above. Your timely attention to this issue is appreciated, and I anticipate a resolution within the stipulated time frame. 

Sincerely,