davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-06
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 (PA)

have had no access to the mobile app since they started requiring two step verification and they REFUSE to send me the code. I have been waiting for them to address my issues with their " digital escalation team '' for more than two months. Now They have revoked my online access, I have no access to my account in any ay and they refuse to help. Further they refuse to send me statements. They refuse to deal with me or help me at all. They have been acting this way and refusing to help me ever since I deployed with the military. The only thing they ever tell me is " We have to investigate and will call you back '' They never call back. I believe the law requires them to provide me with a statement which they refuse to do I had a previous compliant they stated I have online access and I do not. I still can not loggon to the website. 
They still refuse to call me
Consumer complaint received 2024-02-04
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. (SC)

The CRAs are willfully noncompliant with FCRA regulations. Ive informed them that this information is inaccurate to which they continuously update it as valid. Late payments are being furnished onto my consumer report, and pursuant to FCRA 15 usc 1681a ( 2 ) ( A ) ( i ) the consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. Im demanding for ALL late payments to be removed immediately and the accounts to be updated as PAID AS AGREED, NEVER LATE. Further more the Charge offs furnished onto my consumer according to the IRS publications are a certificate of indebtedness that must be removed immediately as this is income and income can not be reported onto the consumer. 26 CFR 1.61-1a THIS IS IN FACT VIOLATION OF MY PRIVACY ACCORDING TO THE PRIVACY ACT OF 1974
Consumer complaint received 2017-10-27
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: EQUIFAX, INC. (FL)

Due to the EQUIFAX data breach in XX/XX/XXXX, a fraudulent credit card was opened using my name and SSN with a bank called XXXX XXXX XXXX.
I reported the the incident onXX/XX/XXXXto XXXX XXXX XXXX, EQUIFAX, XXXX, and XXXX.
XXXX XXXX XXXX closed the fraudulent credit card. XXXX and XXXX investigated and removed the fraudulent account.
On XX/XX/XXXXEQUIFAX sent me an email saying said they closed the investigation. I called Equifax and they did NOT REMOVE the fraudulent credit card.
Consumer complaint received 2024-02-04
Product: Credit reporting 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. (GA)

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to those customer 's nonpublic personal information. 

Type of Business Date of inquiry Credit Bureau XXXX XXXX XXXX XXXX/XXXX/XXXX  TransUnion XXXXXXXX XXXX  Auto Loans XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  TransUnion XXXX Auto Financing XX/XX/year> TransUnion COURTESY FOR Auto Dealers, New XX/XX/year> TransUnion XXXX Auto Financing XX/XX/year> TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/year> TransUnion XXXXXXXX XXXX XXXX XXXXXX/XX/year> TransUnion XXXX XXXX XXXX XXXX XX/XX/year> TransUnion is a financial institution by definition under that title. 
1681 section 604 ( a ) section 2 states that " In general subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. 
The financial institution and the consumer XXXX and Transunion do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent XXXX whether it be non-verbal, verbal, written, implied or otherwise revoked. 
15 USC 6801 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a non affiliated third party unless- the consumer ( me ) is given an explanation of how the consumer can exercise that non disclosed option. They never informed me of my rights to exercise that nondisclosure option.

Every consumer reporting agency shall maintain reasonable procedures ' designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. XXXX and Transunion are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to Opt-out at any time.

" I am opting out of your reporting services '' According to the Fair Credit Reporting ACT 1681 section 602 ( a ) states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumer right to privacy. Transunion are consumer reporting agencies and I am the consumer.
Consumer complaint received 2024-02-04
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. (NJ)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX has violated my rights with Account # ending in XXXX 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 Section 604 ( A ) Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. According to 15 USC 1666B : A creditor may not treat a payment on an auto loan account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I opened a XXXX Credit Card to restore my credit history, I only used the card once, the was closed after I stopped using it and it still shows up on my credit report and I WANT IT REMOVED ASAP!!
Consumer complaint received 2024-02-04
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 CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 SECTION 2, IT ALSO STATES A CONSOMER REPORTING AGENCYNCANNOT FUMISH ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2024-02-04
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)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Thanks
Consumer complaint received 2024-02-04
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 WHITH THE FAIR CREDIT REPORTING ACOUNT # XXXX HAS VIOLATED MY RIGTHS 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTIOM 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WHITOUT MY WRITTEN INSTRUCTION
Consumer complaint received 2024-02-04
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. (CA)

I created a document PDF for this box. Please see the attached letter with the information, references, and actions taken by me and the associated codes and laws that support my complaint. 
Thank you kindly. 

XXXX XXXX
Consumer complaint received 2024-02-04
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. (VA)

In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, and Transunion to reinvestigate this accounts : Account name : XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 
According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 2017-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have recently obtained a copy of my credit file and there are many mistakes in my report : XXXX/ XXXX XXXX XXXX - XXXX : Unverified account XXXX/ XXXX EXTRAS XXXX XXXX XXXX : I have never paid late XXXX XXXX XXXX : Unverified account
Consumer complaint received 2017-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: JPMORGAN CHASE & CO. (CA)

I have now spoken with three/four ( but the second woman hung up on me after she said her scripted info ... it was strange ) people at XXXX XXXX. Each of them told me completely different information. The card was activated in XXXX, but she could n't say anymore. Then she told me There was no manager they were " on a call '' and I told her I 'd wait, and the VP was never in a meeting,
Consumer complaint received 2024-02-04
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. (NC)

I have attempted to dispute the XXXX XXXX account several times with XXXX, TransUnion and XXXXXXXX XXXX  as Not opened by me and Not belonging to me. I requested the Origional Signed Contract from XXXXXXXX XXXX and they have refused to provide it. I have requested that XXXX and Transunion Delete this account because XXXXXXXX XXXX  has refused to validate this account by sending me the Origional contract. XXXX and Transunion refuse to delete this account and continue violating federal law by reporting un -validated account information. The dates of dispute are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion-XXXX XXXX XXXXXXXX
Consumer complaint received 2017-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have recently obtained a copy of my credit file and there are many mistakes in my report : Court XXXX XXXX CT CO XXXX - XXXX : Too old to have in file XXXX  Account # XXXX : Unverified Account XXXX XXXX XXXX # XXXX : Too old to have on file XXXX XXXX XXXX # XXXX : Too old to have on file XXXX XXXX XXXX # XXXX : Too old to have on file XXXX XXXX XXXX # XXXX : Too old to have on file XXXX XXXX XXXX # XXXX : Too old to have on file XXXX XXXX XXXX # XXXX : Too old to have on file XXXX XXXX XXXX # XXXX : Too old to have on file
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2021-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I was in deferred until XXXX and the account was fully paid-off in XXXX, so as part of the closing process all pending payments should have being cleared as part of it. 

I recently applied for a mortgage where for my surprise it was reported by XXXX a 150 days past due after the account was closed and money disbursed. 

The purpose of this dispute is to correct this error ASAP as I am trying to purchase another home this error is inferring with your ability to do so.
Consumer complaint received 2017-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CT)

I have filed a complaint more than 30 days once again I 've been disputing inaccurate information for almost 5 months and still have n't received any verification from credit bureau or companies, under the fair credit act they have 30 days to respond or it should be deleted off my report acceptance now, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX accounts are reporting charge off these accounts are no longer accountable the debt was sold and written of on taxes therefore u can no longer come after the person, and XXXX XXXX never was I late, I also have mutilple hard inquiries that were added back to my account I have not applied for any loans or credit card so please remove all non account holding over 30 days old this is about my third complain yet not to mention have n't received any information or verification
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I took out a personal loan with XXXX XXXX for {$2000.00} in XXXX XXXX XXXX  to pay some credit card debts, I have always paid the loans payments timely, I had periods of unemployment where I was not able to pay timely, I HAVE XXXX SUPPORT FROM ANYONE, my family has disowned me due to my lifestyle as a XXXXXXXX XXXX I have no friends to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was denied XXXX  benefits multiple times due to an issue that I was not aware, I was also evicted from my place of residence along with the repossession of my vehicle in which I lived in upon my eviction, I have been living in shelters, living motels with vouchers, squatting in vacant properties and sometimes sleeping on the streets or in public places where I also wash up along with washing clothes. I have been trying to get on my feet since the job termination and eviction. However, with the late payments and other barriers on my credit reports I AM UNABLE TO GET HOUSING AND HOUSING ASSISTANCE here is ON A XXXX OR LONGER WAITLIST. Most of the shelters in XXXX XXXX are full and told me that I need help beyond their qualifications. By having this negative information removed IMMEDIATELY, it would help me get steady employment, housing, a vehicle and a normal life as I have been 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, NO ONE WAS there to support me in anyway, I have been dealing with this alone and I can not achieve XXXX  due to this issue or XXXX XXXX XXXX XXXX. I WILL SUE FOR {$34000.00} and an additional {$2500.00} for legal fees IF THIS REQUEST IS NOT MET!! I AM ALSO REQUESTING THAT ALL OF THE LATES BE IMMEDIATELY CREDITED TO MY LOAN IMMEDIATELY!!! Also {$1500.00} payment for emotional distress IMMEDIATELY!!
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Incorrect addresses and names are being reported across my experian report. Ive mailed in multiple letters verifying my current address. Please update my address to XXXX XXXXXXXX XXXX XXXX XXXX Fl XXXX! Delete all others. They do not belong to me.
Consumer complaint received 2017-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I have filed a complaint more than 30 days once again I 've been disputing inaccurate information for almost 5 months and still have n't received any verification from credit bureau or companies, under the fair credit act they have 30 days to respond or it should be deleted off my report acceptance now, XXXX consumer XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and eastern accounts are reporting charge off these accounts are no longer accountable the debt was sold and written of on taxes therefore XXXX can no longer come after the person, and XXXX XXXX never was I late, I also have mutilple hard inquiries that were added back to my account I have not applied for any loans or credit card so please remove all non account holding over 30 days old this is about my third complain yet not to mention have n't received any information or verification
Consumer complaint received 2024-02-04
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)

I filed a XXXX complaint with the company XXXX regarding account XXXX. I informed them of incorrect information reporting, and they stated that the consumer reporting agencies may reflect an activity date based on their reporting, but XXXX does not directly report a date of last activity or date last reported. Despite my attempts to resolve this issue directly with your company, the inaccurate reporting persists, prompting me to escalate the matter further.

Upon reviewing my credit reports from TransUnion, XXXX, and XXXX, I discovered glaring inconsistencies in the information provided. TransUnion reported a date of last activity as XX/XX/XXXX, while XXXX indicated XX/XX/XXXX, and XXXX XXXX/XXXX/XXXX. These dates are inaccurate and do not align with the actual activity on the account.

Additionally, there are discrepancies in the reported high credit limit across all three credit bureaus. Such inconsistencies not only violate the Fair Credit Reporting Act ( FCRA ) but also cast doubt on the accuracy and reliability of the information provided.

Furthermore, it has come to my attention that this account was sold to XXXX XXXX, and the balance reported aligns with the correct high balance as reported by XXXX. However, the lack of validation from all XXXX  credit reporting agencies has contributed to the discrepancies observed. 

I must emphasize that this account is past the statute of limitations in the state of Texas and should have been removed after being transferred. The continued reporting of inaccurate information has had a detrimental impact on my creditworthiness and financial standing. 

As a result, I am requesting the immediate removal of account XXXX from all XXXX  credit reports. Failure to rectify this situation promptly XXXX compel me to pursue legal action for gross misconduct and defamation of character. 

The correct information is below. I will be keeping record of our correspondence for court records. This false reporting not only compromises my creditworthiness but also undermines the integrity of the credit reporting system. See the correct information below and remove this account immediately : Open Date : XX/XX/XXXX Last Payment Date : XX/XX/XXXX Closed Date : XX/XX/XXXX High Balance : {$3000.00}.
Consumer complaint received 2017-10-27
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank Of America XXXX XXXX XXXX XXXX I have tried time after time to get refunded by Bank Of America XXXX XXXX XXXX XXXX. 
I file a complaint in XXXX with Bank of America XXXX XXXX card. 

XX/XX/XXXX Post date Amount {$11.00} XXXX XXXX Membership Transaction date XX/XX/XXXX I  have never applied or used no XXXX XXXX Membership or requested one. 

Bank Of America XXXX XXXX XXXX XXXX Dispute form was mailed out on XX/XX/XXXX and the Denied letter was mail out on XX/XX/XXXX I fax it back to them but was denied before I got the dispute form.

I got the denied letter before I even got the dispute form. They just simply ripping people off. 

I have attach the letters as proof I have call XXXX as stated on the letter left several messages but no reply. 
Number as stated on the letter XXXX Ext XXXX The letter is proof of dates not my wrong info I waited a whole month for the dispute forms it was one lie after another each week I call nothing in the mail and then I get back to back letters and denied before I even get the dispute form and XXXX never answer just get voice mail I have call for over a week and same thing have phone records for proof. He never returns call or nothing have call over and over
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I recently viewed my credit report and noticed that it was an account that's closed on my report please remove it immediately because it stopping me from buying a home for me and XXXX XXXX XXXX the acct was open XX/XX/scrub>XXXX XXXX XXXX