davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-23
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. (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. 

Account name : XXXX XXXX - XXXX Account name : 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 2019-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

On around XX/XX/XXXX -XX/XX/2019. I discovered a former tenant stole my debit/credit card from my purse without me knowing until I went into the branch to take out money and was told over {$940.00} was gone having been spent at XXXX, XXXX, XXXX on gift cards to sell and buy drugs as he was a pain bill addict. While I was at the bank the fraudster was at a store charging at that moment. The teller cancelled the card and I went to the police and reported it asap. The thing is I have never used the card and charged on it. I just use the bank acct for my equity line of credit. I also have been at 5/3 for 20 years. I have a {$200000.00} line of credit. I have never filed a claim. When I called the fraud dept. it was a nightmare getting them to understand. I told them I thought I had the card but after looking for it realized it was gone. Just didn't know who had taken it until I requested the video from a store and the police officer did and we identified the fraudster. Then the police issued a warrant for grand larceny. I sent three police reports as the person charged in 3 different towns. It was very insulting for 5/3 to not credit me immediately and trust me. I appealed it and again they denied me my funds. This could have put me in a very difficult position if I had written checks against this account. My case # is XXXX. My account number at 5/3 is XXXX and the debit card was XXXX. I also asked why they did not have fraud monitoring for unusual spending on a card that HAD NEVER BEEN USED. And the police report was sent to them and the statement where they have issued a warrant. What more do they want. I am furious and would leave if I could. This person also took a XXXX card and spent {$200.00}. XXXX refunded me immediately. NO questions.
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

My mortgage processor incorrectly reported my 30/60 days behind at beginning of my covid forbearance. 

They have since suppressed the reporting. I have contacted and opened multiple disputes at Transunion. Transunion tells me that there is nothing negative on my credit report to dispute and that my report is fine. 

But Im being declined for credit from Upgrade lending and the key factors are " serious delinquency '' clearly on my credit applications. I also have XXXX reducing my credit limit and when I look at my Fico score it says " serious delinquency '' I have asked multiple times to speak with a supervisor but I dont receive any calls back. 

Even inside Transunion account it says accounts with adverse information and lists my mortgage processor. 

See the attached documents
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2019-01-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PENTAGON FEDERAL CREDIT UNION (VA)

In XX/XX/XXXX an auto loan was charged off the Pentagon Federal Credit Union in the amount of {$7100.00}. In XX/XX/XXXX, I filed for ChapterXXXX bankruptcy and this amount should have been included. Not to mention, after filing for Chapter XXXX  bankruptcy again in XX/XX/XXXX, this amount should again have been removed from my records at the PenFed Credit Union. It is evident this charge-off that has stayed on my credit has  undoubtedly had a severe impact on the type of credit I receive and the interest rate charged for the past 21 years.

I kept this account open despite of the charge-off. Each time I go into the bank to withdraw my own funds, the tellers have to obtain an override - this is embarrassing. To add insult to injury, I am a XXXX  employee - I am limited with funds to pay debtors. I was unable to open a checking account, obtain a debit card, and the like due to this charge-off.

The PenFed Credit Union is offering assistance for members who have been with the credit union for at least 12 months. I was told by PenFed that I could obtain Direct Deposit Assistance. Meaning, if I was an existing member with PenFed and have an existing direct deposit into a PenFed deposit account, I could qualify for their Direct Deposit Assistance program. This program allows me during the government shutdown to take advantage of a 0 % advance on an overdraft line of credit in the amount of your most recent direct deposit from a qualifying government agency, up to {$6000.00}. For qualifying members with an existing overdraft line of credit will be increased by the amount of the direct deposit to accommodate the advance. For members without an overdraft line of credit such as myself, who otherwise qualify, an overdraft line of credit would be opened for me to accommodate the advance, and NO CREDIT CHECK is required for qualifying members.

I was told I didn't qualify because of the charge-off still on the account from XX/XX/XXXX. The representative on the line indicated that even though I filed for bankruptcy, they still have the right to keep the charge-off on the account until they are able to collect the {$7100.00}. This is clearly a violation of bankruptcy laws and discrimination.

I was told to contact a XXXX XXXX at the Credit Union, which I believe is a bogus name.

This is false advertisement and acts of insensitivity during my times of hardship. I have {$1000.00} going to the credit union monthly. I was beginning to save funds, but in late XX/XX/XXXX I had two family members : ( 1 ) one who is now deceased ; and ( 2 ) another who has experienced severe health issues where I had to assist with other family members in burial costs and other expenses.

I called in to ask questions, the representative on the phone didn't even offer me the opportunity to apply per their process.

This is wrong. I meet the criteria for a Direct Deposit Assistance, especially since no credit checks are involved.
Consumer complaint received 2018-11-10
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: EQUIFAX, INC. (VT)

Hard inquiries are correctly reported and are accurate but I was told they all should be removed. Those nine inquiries should have been wiped from the report months ago like I was told they were going to be. They have approval to be removed. They remain on there despite being assured by an agent that they will be taken care of. They should be whiped ASAP as it is holding up my other credit endeavors and is preventing access to future credit opportunities.
Consumer complaint received 2018-11-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (WA)

To whom it may concern ; As of XX/XX/2017 a debt of {$840.00}. XXXX showed up on my credit report from XXXX XXXX. However, I closed out my account with this company before the process of being evicted from the property. Additionally, I did not reside at this residence during the time this amount was accrued. Whom ever lived at the the property after word was receiving electricity while billing fraudility under my name. This account was sent from XXXX XXXX to XXXX XXXX XXXX XXXX. Account number ( XXXX ). I have dispute this debt multiple times via the credit bureau and the collection agency itself with zero results.
Consumer complaint received 2018-11-10
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 — Problem with personal statement of dispute
Company: Riverwalk Financial Corporation (TX)

XXXX XXXX XXXX states that you are bonded in the state of Texas, however you were not bonded till XX/XX/XXXX. XXXX XXXX XXXX purchased the debt XX/XX/XXXX, XXXX XXXX XXXX was not bonded in the state of Texas when the debt was purchased which makes XXXX XXXX XXXX in violation of the TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001.  XXXX XXXX XXXX made several attempts to contact me as well as mailing out collection letters when XXXX XXXX XXXX was not bonded, Sending collections letters and attempts to contact me XXXX XXXX XXXX is acting as a holder, as specified in the Texas Finance Code,  which the case says requires debt holders to obtain a license which was not obtain at that time. Where a holder fails to obtain the required license, it is prohibited by law from acting as a holder, XXXX was unlicensed as a holder, and therefore attempted to collect on a debt it is prohibited from collecting. 
I would like to bring to the attention that I am fully aware that XXXX XXXX XXXX currently has a class action lawsuit against them right now for this exact same reason. Currently all I am requesting is the immediate removal of this tradeline from my XXXX credit report, as XXXX XXXX XXXX has violated the aforementioned laws, you may not sell or assign to another debt collector. Please note I am fully prepared to pursue my rights. I further remind you that you may be liable for your willful non-compliance. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-06-17
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 US Mail # DEMAND LETTER To whom it may concern I [ XXXX XXXX XXXX ] a natural person , consumer and original creditor pursuant to 15 USC 1692a demand you to remove all late payment ( s ) from Account [ XXXX ]. Be advise pursuant to 15 USC 1666b ( a ) ( b ). A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) GRACE PERIOD If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

Also pursuant to 15 USC 1602 ( i ) ( m ) ( l ) 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.

( m ) The term accepted credit card means any credit card which the cardholder has requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor, or services on credit.

I am notifying you in writing that I would like these late payment ( s ) removed immediately. I am also demanding that you refrain from ever reporting another late payment ( s ) future wise. I hope that you comply and that this issue will be resolved and handled here amicably. 

In accordance with the fair credit reporting act XXXX  XXXX XXXX account # XXXX  has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions. 





Kind regards, XXXX XXXX XXXX Cc : CFPB Cc : FTC Cc : ATTORNEY GENERAL
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXX Balance : {$4400.00}
Consumer complaint received 2023-03-23
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. (FL)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. Kindly remove the following inaccurate items in my file as soon possible : 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
Consumer complaint received 2022-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

We purchased a vehicle and financed thru XXXX XXXX. After going through hardship we lost the vehicle. XXXX of this year I reached out to XXXX because it was showing an open balance on our account. I told them if they would do a pay and delete I would pay a settlement price. They agreed to do it. This was under both my name and my husbands name XXXX XXXX. I paid the settlement amount but the account is still showing on my TransUnion, XXXX, and XXXX as well as on my husbands bureaus. We feel lied to and when we call XXXX they just blow us off and say the account shows paid XXXX balance but it isnt supposed to be on the bureaus at all
Consumer complaint received 2023-03-23
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. (NY)

In accordance with the Fair Credit Reporting act 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.
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with fair credit reporting act XXXX Account # XXXX, has violated my right. 
15 USC 1681 Section 602 States i have the right to privacy.

15USC 1681 Section 604 A section2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for the purpose.
Consumer complaint received 2024-02-26
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. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-10
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: Experian Information Solutions Inc. (SC)

In accordance with the Fair 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 an account without my written instructions.
Consumer complaint received 2022-03-31
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (CA)

XX/XX/22 : Was alerted by a bank that someone had made an inquiry into my credit. I checked the bank website and learned that the inquiry was from Comenity Bank/Victoria 's Secret. I had not applied for credit with that entity. I placed a one-year fraud alert on my credit report via XXXX, triggering fraud alerts on XXXX and XXXX. 

XX/XX/22 : Received a Victoria 's Secret credit card in the mail. I wondered whether it was just an unsolicited card and pondered how to dispose of it. 

XX/XX/22 : Received a bill from Comenity-Victoria 's Secret for {$800.00} in Victoria 's Secret purchases. Transactions were as follows : XX/XX/22 : XXXXXXXX XXXX, # XXXX ( store number, I gather ), {$5.00} XX/XX/22 : Same location, {$550.00} XX/XX/22 : XXXX XXXXXXXX XXXX  # XXXX, {$240.00} Note that I live far from either of those states and was in neither of them at those times. 

XX/XX/22 : Phoned Comenity/Victoria 's Secret at ( XXXX ) XXXX to report the fraudulent opening and fraudulent use of a credit card in my name. The representative asked whether I had my driver 's license with me ( which I did ), because in all three instances it was noted that the user of the fraudulently opened account had shown a driver 's license to verify identity. The representative said the credit card would be disabled and an investigation would ensue, which could take up to 90 days. He also said that in a couple of weeks I could call the fraud line at ( XXXX ) XXXX and obtain a case number. 

XX/XX/22 : Went into XXXXXXXX XXXX website and saw that my credit score had declined, apparently as a result of the opening of the Victoria 's Secret card account and the {$800.00} purchase. Contacted XXXX XXXX  ID theft line at ( XXXX ) XXXX and communicated with an automated system. It said it would add a one-year fraud alert to my credit report that would apply to all three credit bureaus. ( Not sure what that means given that I already had set up a one-year fraud alert. )
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.