davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-06
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. (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.

has violated my rights. Or a list of inquiries : 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 2020-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2020 Applied for Capital One Bank Card credit card to get extra credit for Walmart Purchases as I shop there a lot and responded to the add. I have excellent credit. Received a denial letter dated XXXX saying that the XXXX credit report had a derogatory public record, and etc. Printed the XXXX  Credit Report and show nothing wrong. The public record was discharged 10 years ago and have no late payments an a credit score of XXXX. Sent another letter to Capital One stating have no lates, public record is 10 years old, balances all in line, no adverse factors, and credit vendors run routine inquiries. Also, I have another Capital One Credit and no lates. I believed that Capital One is discriminating against me because of my old age. Tried to call them, but they are not answering the phone. 

The is additional information on Filed Claim on XXXX and Claim number XXXX and no answer yet. 

However, discovered that VISA is BLACKING LISTING FOLKS AND THIS MIGHT BE THE REASON THAT CAPITAL ONE BANK denied me the credit card with excellent credit see attached. 
PDF " Social Credit Score Is In America : Visa Blacklisted My Business and My Family for Building Gab ''
Consumer complaint received 2024-02-06
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. (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 Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Recently I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, and questionable items that your agency didn't make sure it was reporting 100 % accurate. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 16811e ( b ) and 15 U.S Code 1681i ( 5 ) these accounts are in violation of not reporting XXXX percent accurate. 

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were XXXX percent accurate under 15 U.S.C 5 USC 1681b is a section of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, use, and dissemination of consumer credit information by credit reporting agencies. Section 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties.

Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports You are in violation of the FCRA and can result in legal action if this is not removed.
Consumer complaint received 2020-07-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Healthcare Collections-I, LLC (FL)

In or around XXXX of this year I noticed a fraudulent account listed as : HEALTHCARE COLL I LLC in amount of {$1600.00}. I contacted the credit bureaus by submittinf my FTC Identity Theft Report. However, HEALTHCARE COLL I LLC continues attempting to collect this fraudulent debt in my name and reports the fraudulent information to thr credit bureaus.
Consumer complaint received 2018-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XX/XX/XXXX I have requested for several years for Transunion to correct long standing errors on my personal credit profile relating to my XXXX XXXX XXXX credit card. Transunion has refused to do anything at all. I have filed a requests for them to investigate and make changes in the past. They have done nothing to fix the errors. As a result of, my credit has been negatively effected by their lack of action. I have had a XXXX XXXX XXXX credit card since XXXX that has ALWAYS been in good standing. Both XXXX and XXXX are reporting it, every month. Transunion refuses to acknowledge the account. I have written, I have called so many times its ridiculous. I have escalated the issue to supervisors and today to a person named XXXX XXXX. She said she worked in the " Special Handling department ''. XXXX told me she could do nothing if I didn't have my bk paper work from XXXX showing the account was not part of my BK. The only other thing she said was that it may be possible for them to make changes if I called and had XXXX XXXX XXXX use and XXXX verification process. So I called again. XXXX XXXX XXXX has no idea what XXXX is. So put this is perspective. I have spent 100 's and 100 's of hours. Years and years trying to help Transunion make the proper correction to my personal account information. Again today I called again and provided the entire 16 digit account number associated with the account and provided the current billing information. Again I was told they could do nothing. I have called, written both Transunion and XXXX XXXX XXXX multiple times. At least XXXX XXXX XXXX  tries to do something. Unfortunately nothing has worked XXXX XXXX XXXX Made yet another request for transunion to update and report the account. They tried a couple of weeks ago. I received a letter from XXXX XXXX XXXX  dated XX/XX/XXXX stating that Transunion would not update they account because they say the account has been off my credit report for 7 years. So again I call Transunion and again they tell me there is nothing they can do to help even though its reported on by the other Professional credit agencies. 

I called XXXX XXXX XXXX again today and they have again requested Transunion update the information to be accurate and correct. Transunion so called managers and special handling department people have been far les than helpful, there treatment to me is almost criminal. Its definitely cost me money. To look at the hours and money it has cost me is simply terrible. Should I consult an attorney at this point? I have spent months, years and hours upon hours trying to help them fix their own problem and errors. I think it may just be time to be litigious.
Consumer complaint received 2024-02-06
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)

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.

has violated my rights. Or a list of inquiries : 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 2024-02-06
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. (NC)

According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
So I then asked them to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
But they did not do that as well either. 

They are also breaking these laws as well below : According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
This is unfair and if they are doing this to me imagine who else they are doing this too. Can you fix My information was sold and bought illegally because I was a victim of the + XXXX breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that! was in fact a victim of this data breach
Consumer complaint received 2020-07-01
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: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Experian XXXX. XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ( XXXX & XXXX XXXX ) 2. ( XXXX XXXX XXXX & XXXX XXXX ) 3. ( XXXX XXXX & XXXX XXXX ) 4. ( XXXX XXXX XXXX   XXXX  & XXXX XXXX ) 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. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2024-02-06
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. (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 XXXX : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2016-07-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I would like to submit a formal complaint related to Citibank 's refusal to honor the CitiGold checking account promotion for XXXX XXXX XXXX miles after I had met all terms of the promotion. Upon enrolling in the CitiGold checking account under this promotion, I contacted Citibank directly via Secure Message to confirm my eligibility and ensure the promotion had been properly attached to my account. A Citibank representative replied ( see attachment for full documentation of my conversation with this representative ) and confirmed that the promotion had been properly applied to my account, my XXXX XXXX number had been linked, and I would receive the XXXX XXXX XXXX miles after meeting the promotion 's spending and bill pay requirements. Additionally, I also received hard-copy documents in the mail with my CitiGold welcome package that explicitly stated my enrollment in this promotion, and in no unclear terms also stated that the XXXX XXXX XXXX miles would be awarded upon meeting the promotion 's debit purchase and bill pay requirements. 

After meeting all of the promotional requirements in XX/XX/XXXX, I contacted Citibank again to get a time estimate of when I could expect to receive my promotional award of XXXX XXXX XXXX miles. Another Citibank representative responded and directly contradicted earlier communications from Citibank by stating the promotion could not be applied to my account, and the points would not be awarded. As a result, XX/XX/XXXX of requested an investigation be opened with CitiBank to escalate this issue. It has now been over a month, and I have still not received a response from CitiBank regarding the outcome of this investigation. As such, I have no choice but to escalate this to the CFPB to request their assistence in resolving this matter. 

To summarize, Citibank, through both physical and electronic communication ( see attachments ) has previously confirmed my enrollment in their Citigold promotion for XXXX XXXX XXXX miles. Upon completing all promotion requirements, Citibank has failed to fulfil their end of the promotional agreement, and has failed to respond in a timely manner to my attempts at resolving this issue directly with them.
Consumer complaint received 2022-10-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc. (OH)

Aargon Collection Agency in XXXX XXXX is pursuing me for a debt that is {$220.00}, placed with them by XXXX. We moved from XXXX  in XXXX and we paid our last electric bill. I have called XXXX and they claim we have a XXXX  dollar balance with them. 

Date opened is XX/XX/XXXX. We moved in XX/XX/XXXX and saw no bills from XXXX and we live in XXXX now. 

We have sent three letters to Aargon and I have disputed this with the Credit Bureaus, they claim disputed information is accurate. I have ask for debt validation and have not received it. 

This account needs to be closed, and this information needs to be removed as Aargon has not been following the FCRA.
Consumer complaint received 2020-07-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken (WA)

Company is soliciting and collecting user details info even though they do not service my state ( WA ). 

I was misled into providing my name and contact information, social security number, bank balance and account numbers, and high resolution scans of my drivers license. 

Company has refused my request to delete the user details provided.
Consumer complaint received 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Timely payments have been a constant on this account, and I have never been overdue. I'm unclear about the reasons behind reports of late payment remarks on my accounts.
Consumer complaint received 2024-02-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am reaching out to challenge the presence of the bankruptcy entry on my credit report. The discrepancies between the filed and reported dates, along with the closing dates, are troubling. Adding to the concern is the fact that I have a court letter explicitly stating that this bankruptcy should not be reported to you. The involvement of an unauthorized third party further compounds the absurdity of this situation.
Consumer complaint received 2024-02-06
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)

Filed and attempted multiple disputes on XX/XX/XXXX - XX/XX/XXXX hence no reply or action by company. I have filed dispute over inaccurate information listed on my credit report. I have waited over 30 days and tried to Transunion and XXXX a chance to resolve this issue. I filed a re-investigation, and still no lawful response Transunion and XXXX has chosen to violate and ignore the statues of the Fair Credit Reporting Act. I have legal documentation of my attempts to have inaccurate and false information removed. I am respectfully requesting that the disputed and unvalidated information be removed from my credit report, in accordance with the provisions pursuant to Fair Credit Reporting Act 616 ( a ) [ 15 USC 1681n ].
Consumer complaint received 2020-07-01
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion XXXX. XXXX  XXXX XXXX PA, XXXX XX/XX/XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) 2. ( XXXX XXXX XXXX & XX/XX/XXXX ) 3. ( XXXX XXXX XXXX  & XX/XX/XXXX ) 4. ( XXXX XXXX XXXX  XXXX & XX/XX/XXXX ) 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. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX