davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-03
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. (FL)

As A Federally Protected Consumer, I'm Exercising My Consumer Rights to have Resolved Inaccuracies and Unfair Activities in concern with my Credit Reports. I Am Requesting to OPT OUT of ANY and ALL authorizations I the Consumer may have given you written, non-written, verbal and non verbal per 15 USC 6802. I'm Rescinding that Authorization per 15 USC 6802. According to 12 CFR 1016.7, states that a consumer may Exercise the Right to OPT OUT at any time. According to the Fair Credit Reporting Act, 15 U.S. Code 1681- Congressional findings and the statement of purpose. Accuracy and Fairness of Credit Reporting the Congress makes the following findings : the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. This is effective immediately and indefinitely. I have attached to the report a copy and circled the Inaccurate Findings on My Credit Report with XXXX, XXXX XXXX TRANSUNION.
Consumer complaint received 2024-02-03
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. (NC)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX 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 Section2 : 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
Consumer complaint received 2024-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (FL)

On XX/XX/XXXX they stolen {$360.00} XXXX and XXXX missing from my checking account always something on Wednesday XXXX of XXXX I call PNC customer service to dispute two transactions which is {$2.00} and {$23.00} without my knowledge they canceled my debit I went yo XXXX to purchase my groceries I can pay for it I call again about my debit canceled the agent take it personal right now I'm tired dealing with the PNC Bank I addressing that concern tothe FDIC for compensation as a victime Enough it's enough. Sincerely. XXXX XXXX XXXX
Consumer complaint received 2021-10-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Suttell, Hammer & White, P.S (OR)

This debt collection company was asked to verify the debt and didnt and now they are suing me. Their process servers have broken the law three time by entering a secured building without permission! This is illegal and abuse.
Consumer complaint received 2021-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (FL)

NAVY FEDERAL CU at XXXX XXXX XXXX XXXX, VA XXXX XXXX has been sending me collection notices in the amount of {$12000.00}. 
The collection has been reported as pasted due balance. I do not know this company. 
I have never done any business with this company. This company does not have a contract with my signature. i would like this item remove from my account completely.
Consumer complaint received 2024-02-03
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. (NJ)

Dear Consumer Financial Protection Bureau, I, XXXX XXXX XXXX, urgently submit a formal and grave complaint against XXXX XXXX XXXX  ( Respondent ) under the Fair Credit Reporting Act ( FCRA ). This complaint addresses the egregious misrepresentations of my credit standing, specifically concerning XXXX XXXX XXXX XXXX XXXX XXXX  account ending in XXXX. 
Statement of Violation : XXXX XXXX XXXX, in blatant violation of FCRA provisions, has disseminated profoundly inaccurate information regarding my credit standing, deliberately misrepresenting the status of my Travel Rewards account ending in XXXX. 
Presentation of Undisputed Evidence : I provide incontrovertible evidence, including a meticulously documented payment receipt from XXXX XXXX XXXXXXXX on XX/XX/2021, and an unequivocal email notification dated XX/XX/2021, explicitly stating the termination of the aforementioned account. 
Alleged Violations of FCRA : The Respondent 's egregious actions starkly contravene FCRA mandates ( 15 U.S.C. 1681s-2 ), imposing unambiguous obligations on furnishers to provide nothing less than accurate and complete information to consumer reporting agencies. 
Urgent Request for Remedial Measures : I urgently implore the Bureau to embark upon a swift and intensive investigation, compelling XXXX XXXX XXXX to promptly rectify the severe inaccuracies pervasive in my credit reports. I demand nothing short of the immediate removal of erroneous information and the issuance of corrected credit reports, unequivocally reflecting accurate and verified account statuses. 
Implicit Warning of Legal Recourse : Should this matter persist unresolved, I want to underscore my unwavering readiness to pursue the full spectrum of legal remedies available under FCRA and other pertinent statutes. The gravity of XXXX XXXX XXXX XXXX actions necessitates a formidable response to safeguard my rights and rectify these severe transgressions. 
Expedited Request for Document Upload and Address Update : In addition to the aforementioned urgent actions, I request that all correspondences related to this matter be expeditiously uploaded to the Consumer Financial Protection Bureau 's records. Furthermore, it is imperative to update my mailing address to reflect the current information provided. 
This matter demands the utmost urgency and gravity, and I trust the Consumer Financial Protection Bureau will address it accordingly. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-02-03
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. (FL)

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 2024-02-03
Product: Credit reporting 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 realized that this account was opened as a result of an Identity Theft in XXXX XXXX XXXX, someone stole my phone, my identity and used a voice recognition device to record my voice along with hacking my bank accounts and making payments on this account like it was theirs. I DO NOT have telephone access at this moment to contact anyone via phone, I have been homeless for almost 18 months, sleeping in shelters, motels with vouchers, I sometimes squat in vacant places for a hot shower and a meal. I also have been without a vehicle in which I lived in until my vehicle was repossessed and I have not held a full-time job or even a part time job since XXXX XXXX XXXX. I have NOT BEEN ABLE TO GET APPROVED FOR HOUSING DUE TO THIS BEING ON MY CREDIT AND GOVERNMENT HOUSING IS ON A YEAR OR LONGER WAITING LIST!!!! PLEASE REMOVE THIS ACCOUNT EXPEDITIOUSLY OR PAY {$34000.00} IMMEDIATELY!!!
Consumer complaint received 2024-02-03
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.

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 2021-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (AZ)

I have used my US Bank credit card for years for overseas travel. I have followed their explicit instructions to call and document the respective countries I will be visiting. This has always worked very smoothly without any issues. In XXXX, I was in XXXX and the XXXX XXXX XXXX and communicated this information to the bank. 

On XX/XX/2021, my credit card was denied for a {$19.00} taxi ride when I first arrived in the XXXX. I was in the extreme heat, in an unknown place, with a driver who didn't speak English and did not have any cash on me. This was a stressful experience that could of been completed avoided. The bank had intentionally denied my credit card transaction. I don't understand why this would happen if I went through the trouble to document this. I then had to call them overseas incurring long distance charges of {$9.00}. 

I could understand placing a hold on a material dollar transaction, but this was unacceptable.
Consumer complaint received 2024-02-03
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. (FL)

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 2024-02-03
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. (OH)

I recently received a copy of my credit report and I noticed a lot of inaccuracies on my report. I reached out sent letters and proof and still no response in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 2021-08-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: ALLIED MORTGAGE GROUP (FL)

I received my escrow analysis in early XXXX from my mortgage company ( Allied Mortgage ) which indicated a shortage of over {$4000.00}. This was not only due to a {$1000.00} increase in my hazard insurance ( which is beyond Allied 's control ) ; but also due to them not collecting enough at closing. This shortage increased my payment by over {$300.00} a month. I understand things happen ; however I am terribly concerned that I will not be able to pay my mortgage. I reached out to Allied Mortgage on XX/XX/21 requesting the shortage be spread out over 4 or 5 years. They advised me that they will submit a request to the investor ( FHA ). I have been following up with them at least once a week requesting updates. With each call I get a different answer. Some representatives indicate this request does not require approval and others say it does. Each representative promises to call me back within 48 hours ; however none of them do. During my most recent call today, they advised me that they have reached out to me. This is absolutely not true ( I confirmed they have the correct contact information ). I received one call from them several weeks ago around XXXX in the evening ; but they hung up before I could answer ( two rings ). My mortgage is now 6 days past due and I still do not have any answers. I filed a complaint with the CFPB about this company earlier this year as they did not pay my taxes and insurance in a timely fashion which caused my insurance to cancel. I have never experienced such ineptitude.
Consumer complaint received 2024-02-03
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. (GA)

This agency violates 15 USC 1681i.

Notice of results of reinvestigation ( 6 ) -In general, A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.

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, UNDER NO CIRCUMSTANCES. Therefore, the following accounts must be DELETED from my report immediately. Furthermore, it does not matter if the account is listed as CLOSED, CHARGED OFF, COLLECTIONS, LATE PAYMENT, ( ANY NEGATIVE OR ADVERSE ITEM ( S ) OR REMARKS ), ETC
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Transunion credit report shows tradeline XXXX XXXX # XXXX, # XXXX and # XXXX late payment date XX/XX/XXXX. The report also show 's XX/XX/XXXX days delinquent in XXXX, with payments being made i XXXX of XXXX it shows Terms {$0.00} for 72 months. These loan were included in a XXXX in XXXX. The Bankruptcy Code provides three exceptions relating to educational obligations, These Loans met the criteria for dischargeable as XXXX they were not Federal Direct Loans, old Federal Family Education Loans ( FFELs ), and state guaranteed loans 2. A private student loan is not a scholarship or stipend, and the overwhelming body of judicial authority finds that it is not an educational benefit either. See XXXX  v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX. XXXX ) ; In re XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ). That a private loan is an educational benefit is inconsistent with the full text of 11 U.S.C. 523 ( 8 ), and 3.They did not provide validation that a private student loan is a qualified education loan under the third exception. 
Transunion tradeline shows contradictions in dates of delinquency ( last payment ) XXXX XXXX or XXXX XX/XX/XXXX. 
XXXX does not show inclusion of XXXX  XXXX claim status.
Consumer complaint received 2021-04-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (GA)

Okay so I opened a dispute with Venmo about unauthorized transaction fast forward one day A representative contacts me and says they will Suspend my account until I can secure it and such one day later the dispute begins and I end up winning it now I messaged them and they said they now need me to provide my I.D and such to have my account unsuspended ( note I don't have any of this atm XXXX and when I check why I was suspended it says I'm in violation when I haven't done anything. So now my money is stuck and I need help!! 
Email : XXXX XXXX
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There are three errors on my TransUnion and XXXX credit reports. They are as follows XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX These three accounts are not mine and have to be removed off of my TransUnion and XXXX credit reports ASAP. My XXXX report is free of all false information and shows my true consumer potential.
Consumer complaint received 2024-02-03
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. (GA)

This agency violates 15 USC 1681i.

Notice of results of reinvestigation ( 6 ) -In general, A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 

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, UNDER NO CIRCUMSTANCES. Therefore, the following accounts must be DELETED from my report immediately. Furthermore, it does not matter if the account is listed as CLOSED, CHARGED OFF, COLLECTIONS, LATE PAYMENT, ( ANY NEGATIVE OR ADVERSE ITEM ( XXXX ) OR REMARKS ), ETC
Consumer complaint received 2019-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My online access to my capital one credit card is now blocked and I am travelling internationally. Cap one will not send a numerical code to my home phone to restate access because that phone is not in my name.

Without access to my statements i can not verify the charges are legitimate so I will not pay the balance due.

This will negatigely impact my credit score.

Stupidly, they still allow use of the card i just can not access the statements.

Their solution was, seriously, obtain a USA based cell phone to receive the code!
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello My student loans were XXXX ( by XXXX ) due to XXXX in XX/XX/XXXX. I disputed the loans with all three credit bureaus on XX/XX/XXXX. I provided evidence that my loans were XXXX balance and had been XXXX. 

As of today, XX/XX/XXXX, these loans remain on my credit report from TransUnion. 

The loans have been removed from my credit reports with XXXX and XXXX. 

Please assist me to have these XXXX, XXXX balance student loans removed from all my credit reports once and for all. 

Thank you.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX XX/XX/2023, I closed on the selling of my home. The mortgage was through XXXX XXXX / XXXX XXXX  company. Initially, the closing was uneventful, however there were issues between the XXXX company and XXXX XXXX for 2 months following the closing. XXXX XXXX continued to be difficult with the XXXX company, and would not accept the payoffs that were sent to the mortgage company. At XXXX point, a XXXX XXXX representative even claimed they did not know what they had done with the payoff money. On my end, the mortgage began to show overdue, and requiring a payment even though the home had been sold and the mortgage should have been paid off. I talked multiple times to XXXX XXXX, and they assured me they knew my account was not actually late, but that it was an issue between them and the title company. I was comfortable with those statements, however yesterday my credit report showed a XXXX day late mortgage payment, and my score dropped XXXX points. At this point, the mortgage has officially been paid off, I just need the late payment removed from my credit report.
Consumer complaint received 2024-02-09
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. (GA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.