davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-16
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. (MO)

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any account and information which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the follwoing items deleted as soon as 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-01
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. (AL)

My bankruptcy of XXXX was dismissed and it shouldnt have been. It is causing me hardship. I was homeless with XXXX children and thats one of the reasons I filed the bankruptcy. I was at the end of my bankruptcy in XXXX when me, XXXX of the XXXX kids caught XXXX. Bankruptcy trustee dismissed my case even after I appealed with proof. I was made to file another bankruptcy instead of it being modified because of the situation and losing my job because I could not work. I have wrote many letters and called numerous times trying to appeal the decision and to get this off my credit. Even with proof it still remains on my credit and they also refuse to reconsider the case. Please help me because no one else is trying to help me and my XXXX kids become better and live better in society. I have worked hard and got a place to stay and a great job now, this being on my credit is hendering us from having a better life.
Consumer complaint received 2022-08-16
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. (MI)

It has been found out that you are not REMOVING files 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. 
DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF ED/XXXX XXXXXXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX ; DEPT OF ED/XXXX XXXX Balance {$0.00} XX/XX/XXXX ; XXXX  XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX ; XXXX  XXXX Balance {$0.00} XX/XX/XXXX ; XXXX XXXX Balance {$0.00} XX/XX/XXXX ; XXXX XXXX Balance {$0.00} XX/XX/XXXX ; XXXX XXXX Balance {$0.00} XX/XX/XXXX ; XXXX XXXX Balance {$0.00} XX/XX/XXXX ; XXXX XXXX Balance {$0.00} XX/XX/XXXX ; XXXX XXXX Balance {$0.00} XX/XX/XXXX ; XXXX XXXX Balance {$0.00} XX/XX/XXXX ; XXXX  XXXX Balance {$0.00} XX/XX/XXXX ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX ( Original creditor XXXX XXXXXXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$43.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX XXXX Balance {$1000.00} ; XXXX XXXX Original creditor XXXX XXXX XXXX  XXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$0.00}
Consumer complaint received 2022-08-16
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. (FL)

In accordance with the Fair Credit Reporting Act " XXXX XXXX XXXX XXXX. '' acct # 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 2019-05-06
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. (SC)

On XX/XX/XXXX I submitted disputes with XXXX and TransUnion. On XX/XX/XXXX, the accounts was removed from my credit file. On XX/XX/XXXX the same accounts that was removed from my credit file was added back to my credit file with out any notice from XXXX and TransUnion.
Consumer complaint received 2019-09-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CO)

On XX/XX/19 I used a product partnered with my Chase bank account, called XXXX, to make 2 transfers of {$180.00} ( {$360.00} total ) for a product that turned out to be fraud. XXXX is a bank to bank transfer system and was offered by my Chase account to use. Assuming if my bank was partnered or had the system available, that it would be safe, but I was scammed through it. I contacted the person who committed the fraud first to get this made right and that was unsuccessful, so my husband and I filed a police report against the person on XX/XX/19 and moved on to hoping Chase would be able to help the monetary situation considering they were the ones that offered the XXXX option. Chase was unwilling to help, after multiple attempts, even though XXXX is something offered by them through my online account. There is no consumer protection or understanding. I'm a regular person who works hard for their money not a big corporation like Chase Bank or XXXX who benefits from my account, so {$360.00} really matters in my life.
Consumer complaint received 2021-09-02
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have a loan with ALLY FINCL and I tried contacting 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the charge-off was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. Please re-investigate this account or simply remove this account PRONTO.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (NC)

I'm getting a steady stream of 'rejection letters ' from Comenity Bank of XXXX XXXX Ohio XXXX despite never once giving them permission to look into my credit let alone actually applying for credit with Comenity Bank XXXX I've contact them on many occasions over this matter and it has no where with them. This steady stream of unsolicited inquiries into my credit/ rejection letters has not hurting my credit history but also my repuation. I've contacted the Attorney General of XXXX the XXXX  of XXXX twice/ the credit bureaus on many occasions/ and this third time I've contacted this department about this very same issue and has gotten nowhere
Consumer complaint received 2023-04-01
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. (LA)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to validate this account 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 account below : XXXX XXXX XXXX Balance : {$220.00}
Consumer complaint received 2022-08-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/XXXX, I received an email from JCPenney, asking if I had made a purchase of {$2700.00} from their location XXXX XXXXXXXX, XXXX XXXX, TX. I indicated that I didn't recognize that transaction per their email sent and I also called. They indicated they would be closing that card and I would receive a new card. On XX/XX/XXXX, I received another email for another transaction for {$200.00} from the same location, I followed same steps as above. On XX/XX/XXXX, I received another email for a total of three transactions : XXXX XXXX {$1700.00} ; XXXX  XXXX {$4800.00} and XXXX XXXX {$6900.00}. I called again and let them know that was not and that my credit limit was only {$2400.00} and asked how these transactions continued to go through, they told me that there had been a credit limit increase request and it was approved for {$6900.00}. These charges were on cards that I had even yet to receive in the mail. How can they increase the credit limit without speaking me?? or calling to verify? what controls do they have in place to check to make sure it's the actual customer? I've made multiple calls to JCP, they continue to indicate they are working on it but the conversations do not sound promising, I've cried on the phone begged for help because I am now receiving billing statements. I have a statement from XX/XX/XXXX indicating I owe, {$6100.00} with a payment due of {$62.00} on XX/XX/XXXX. I am extremely worried and concerned this is going to impact my credit and credit score, with the increase I didn't ask for, I've asked them to close ALL accounts. Please help me resolve as soon as possible. You would be able to see from my credit history with JCPenney, that I don't use my card but maybe once a year during the holidays, and never for those large sums of money.
Consumer complaint received 2022-04-29
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-08-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION (MD)

On XX/XX/XXXX, XXXX unauthorized deposits were made by XXXX in the amounts of {$0.00}, {$0.00}, {$0.00} and {$0.00} from my personal checking account with M & T bank. On XX/XX/XXXX, XXXX unauthorized withdrawals were made by XXXX in the amount of {$1000.00} totaling {$6000.00}. On XX/XX/XXXX unauthorized withdrawals were made by XXXX in the amount of {$1000.00} totaling {$10000.00}. At no time did M & T contact me or freeze the checking account for potential fraud. On XX/XX/XXXX when I withdrew money at an ATM from my checking account I immediately discovered the low balance. I immediately went to the local M & T branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) and spoke with XXXX XXXX XXXX, Branch Manager who informed me the {$16000.00} had been stolen from my account. She instructed me to complete XXXX separate dispute confirmation summaries. This resulted in 2 case numbers, XXXX and XXXX which she faxed to the M & T fraud department. She said it could take 30-90 days to investigate the matter and return the {$16000.00} to my account. She froze the account so no withdrawals could be made other than existing outstanding checks or debits without contacting me for permission. She stated M & T does not know my spending habits or provide automatic alerts as that is my responsibility to set up using online banking or an app. I am XXXX and do not use online banking or apps at all. I opened the account in XXXX when they did not have apps or alerts. I also have never engaged in crypto currency or withdrawn such large amounts repeatedly on the same day. XXXX XXXX said the fraud occurred because someone had one of my checks and transactions were cleared by an account clearing house by M & T bank in XXXXXXXX XXXX. She said there had been other fraudulent transactions of this same nature dealing with XXXX and that I should consider myself lucky as another M & T customer earlier had lost {$25000.00}. I do not feel lucky. I also contacted M & T at XXXX several times ( XX/XX/XXXX, XXXX, XXXX, XXXX ) and asked to speak with someone in the fraud department. I was told multiple times I can not speak to anyone directly in that department instead only that employee could communicate with that department and that person would make notes that would be sent to the fraud department. I was told due to the amounts, there had to be XXXX case numbers instead of 1 case number for the same person ( me ), same account ( M & T Checking ) and same fraud ( coinbase, {$1000.00} withdrawals ). I am retired law enforcement XXXX XXXX XXXX XXXX  and depend on automatic retirement, pension and social security deposits. {$16000.00} was stolen within 2 days and I was told an investigation had to occur that would be 30-90 days.
Consumer complaint received 2023-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent. I request that you take immediate action to investigate and remove this erroneous information from my credit profile.
Consumer complaint received 2022-04-29
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. (OH)

In accordance to the fair credit reporting act, XXXX  account numbers : 1. XXXX XXXX - XXXX 2. XXXX card XXXX 3. XXXX XXXX - XXXX 4. XXXX XXXX Has violated my rights. 

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

15 U.S.C 1681 Section 604A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-08-28
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. (LA)

I have a right to privacy and i never have XXXX XXXX permission to furnish a report on me.

15 U.S. Code 1681 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

XXXX XXXX never notified me that i was late on a payment which violated 15 U.S. Code 1666b. 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.
Consumer complaint received 2019-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Past due on mortgage payment, they suggested verbally and in writing a re-payment plan of four payments to catch up. Never explained verbally or in writing that the loan would have a negative affect on my credit and would show that it is past due for the period of four to five months. Phone calls an letters have been coming at me daily as if they are moving to the foreclosure process even when the re-payments are paid as scheduled. My credit has been damaged and I am now unable to be approved for bidding and payment bonds to support my construction business income. They are reporting to credit companys as XXXX but I am paying to XXXX XXXX, that was old lender.
Consumer complaint received 2022-08-28
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. (PA)

In accordance with the fair credit Reporting act 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 a consumer reporting agency can not furnish a 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 anv purpose.
Consumer complaint received 2022-08-28
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. (VA)

In accordance with the fair credit Reporting act, my rights have been violated. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : 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 any purpose
Consumer complaint received 2019-01-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: United PanAm Financial Corp. (NH)

My vehicle was repossessed on XX/XX/19 by XXXX, XXXX on behalf of XXXX XXXX XXXX. I was advised by the finance company AND the dealer of which my vehicle was purchased at, to withhold my payment due to the dangerous conditions of the vehicle they sold me. XXXX XXXX XXXX has refused to provide me with any information about XXXX, XXXX to get my personal property ( they already confirmed with me the recovery company received the personal property release form. ) XXXX, XXXX does not answer any phone calls and does not have an address or business hours online as to where my vehicle is so I can obtain my property. They are not willing to work with me to obtain my vehicle and are withholding my personal property which according to NH state law ( see link attached ) XXXX XXXX XXXX they can not take my vehicle if asked to leave it alone otherwise it is breach of peace. The recovery driver PULLED ME FROM MY VEHICLE WHILE IT WAS RUNNING. It also states I am allowed to remove my personal property which the driver did not allow me to do. After numerous attempts to work with XXXX XXXX XXXX, they told me I can not get my vehicle back and I should " learn how to pay my bills. ''
Consumer complaint received 2019-01-29
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: JPMORGAN CHASE & CO. (NC)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by Chase credit card company. I called the Chase credit card company and chase did not comply with my actions. 
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 

The inquiries on my credit XXXX report : XX/XX/2018, XX/XX/2018, XX/XX/2018
Consumer complaint received 2018-10-21
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: EQUIFAX, INC. (FL)

Haveing serval inquiries that are not mine .possible due to data breach Equifax 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 XXXXXXXX XXXX XXXX XXXX