davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-20
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. (AL)

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 168b permissible purposes of consumer reports. 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. 

Inquiry : XXXX Inquiry : XXXX XXXX  Inquiry : XXXX XXXX  Inquiry : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose.

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [ Name of Furnisher/Creditor ] has furnished information that is either inaccurate or unverifiable.

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for the consumer 's right to privacy. This has not been upheld in my case.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed.

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant information.
Consumer complaint received 2024-11-02
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: Experian Information Solutions Inc. (AL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2022-08-22
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. (AL)

Furnishing my report without consent. In accordance with the fair credit act, my rights have been violated. 15 U.S.C 1681 602 A. States I have a right to privacy. 15 U.S.C 1681 section 604 A section 2. It also states that a consumer reporting agency can not furnish a account without my written instructions. I recently viewed my credit report and notice some unauthorized accounts on my credit report.
Consumer complaint received 2022-08-05
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXXXXXX XXXX now.with no help.
Consumer complaint received 2022-12-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

I recently noticed an illegally reported account on the three major credit reporting agencies including XXXX, XXXX, and transunion. 

Under the name Columbia debt recovery or Genesis debt recovery original creditor XXXX XXXX The debt collector knowingly and fraudulently reports this account to the three major credit reporting agencies without notifying me five business days as required by law.

In addition the debt collector fraudulently reports its name inaccurately and or incomplete, as a result would make it difficult to dispute this illegal and fraudulent account.
Consumer complaint received 2022-09-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TEXAS CAPITAL BANCSHARES, INC. (MO)

I recently opened a high yield savings account with XXXXXXXX XXXX. XXXX month later, they froze my account without ever contacting me or providing an explanation why after calling them several times. They have held my money hostage. 

On XX/XX/XXXX, I paid my mortgage, condo fees and made transfers to a vanguard account and another bank checking account from my XXXXXXXX XXXX high yield savings account. 

On XX/XX/XXXX, Bask bank froze my account without ever contacting me. I noticed since I happened to try and login into their account. I called customer rep and was told my account was frozen due to an investigation. Was never told why, how long it would take. I was lied that I would get an email from their dept that handles such investigations and never did. 

On XX/XX/2013, Bask bank requested money back from every account I paid a bill or made a transfer to on XX/XX/XXXX. 11-12 days later. I am now delinquent on those bills, have late fees and still need to pay those XX/XX/XXXX payments again. With funds that I don't have since XXXX has take all my savings and frozen them. 

This is the worst company I ever dealt with. Stay away at all costs, I don't know how they can take someones money hostage, request 12 days later money back from paid bills and still be in business.
Consumer complaint received 2024-11-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Delays with the closing process
Company: WELLS FARGO & COMPANY (PA)

XXXX This is a follow up of the case above. As I sent you an update last time from Wells Fargo mortgage with a letter of others requested documents that I sent the same day and forwarded you the attached documents. The following day XXXX XXXX sent me an secured email with others requested documents that I attached here with ours both emails. I already submitted these documents and attached them here. 
The other settlement is scheduled for XX/XX/XXXX and the rate lock expire on XX/XX/XXXX after that everything will change and eventually go up. We don't want to encounter the such situation as they wasted time asking the same things one by one many times
Consumer complaint received 2022-12-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (IA)

Reporting these collections on my credit report, which is considered to be a collection activity LVNV FUNDING LLC Is reporting and trying to collect on accounts that are closed and are paid in full. LVNV FUNDING LLC continues to report on these tradelines and is in violation of the FCRA, Federal laws and FTC laws and Guidelines. Which are The Fair Debt Collection Practices Act ( FDCPA ) this a debt collector is not allowed and is using unfair practices in trying to collect a debt which is closed and paid in full. Reporting inaccurate data or false data is also a violation of the FCRA. Additionally, any reporting of this debt as valid or true to the credit bureaus when in fact is a false and inaccurate is a violation of the Fair Credit Reporting Act, which allows me to seek damages from a collection agent in this case LVNV FUNDING LLC. As Such, this unauthorized public record information needs LVNV FUNDING LLC needs to delete this tradeline. Non-compliance with FCRA, FTC and Federal laws is also be construed as an absolute waiver of all claims to enforce these debts against me and your implied agreement to compensate me for court costs and attorney fees.
Consumer complaint received 2024-09-20
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)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX  ) ; ( XXXX ). Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2022-12-05
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: Cascade CISS Holdings, LLC (PA)

Company was never authorized to share personal credit reports with XXXX, XXXX or any parties not authorized by me myself or identity holder which is my according to credit reporting law, i would need your help and getting them to remove all this frivolous information on my credit report please
Consumer complaint received 2022-08-05
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 XXXXXXXX XXXX XXXX  acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX  acct # XXXX, XXXX XXXX XXXX acct # XXXX, have 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 2022-09-13
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. (TX)

On XX/XX/2022 I contacted Transunion about some inaccurate accounts on my credit report. they verified these accounts through automatic verification which I did not consent to. XXXX found these same accounts not mine and removed them but Transunion has yet to do so. They have violated my rights and these accounts should be removed immediately.
Consumer complaint received 2024-11-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Delays with the closing process
Company: WELLS FARGO & COMPANY (PA)

I started the loan process normally to get a loan and purchase a nes home. I realized later that they are trying to discriminate us in regard of theirs pratices. They asked me to provide documents at least 10 times the same documents sometimes without a clear explanation. They would to deny after I added my wife they asked us to provide 2 years of paystubs we did it. And they asked me a private question " why I want to move from here to the new place '' they wasted time we missed the first settlement date on XX/XX/XXXX and I was penalized because I already scheduled a tenant for my current house and got transfer offer from my company to the new location... they were still about asking the same things to waste the time again. The Realtor scheduled the next closing for XX/XX/XXXX and at this time they asking the same thing to waste time for example to provide the homeowners insurance contact... she already emailed them about this process many times. The asked me to explain the Lender assistance on my current mortgage ( a debt of {$2200.00} for 10 years without interest with the balance of {$1900.00} ) I said i don't have statement for 12 months and they have the mortgage company contact for now there are the both documents they require that I provided at least five times yet. The rate bock at 6 25 % and will expire on XX/XX/XXXX where everything will change. I suspect that they intend to change the loan conditions... the mortgage counselor didn't respond to my mails he leaves like mystery invade everything. The would me to pay for appraisal twice ( {$750.00} and {$800.00} ) to discourage me
Consumer complaint received 2022-08-24
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. (CA)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for your and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}
Consumer complaint received 2022-09-14
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. (NY)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}
Consumer complaint received 2022-08-22
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: C/C Financial (TX)

Recently I took a look at my XXXX XXXX credit report, and find Im charged for a loan from preferred lease, And I was like what the heck because In XXXX of last year XXXX  I had applied for a personal loan for a laptop at XXXX through their provider, preferred leasing, however I never ended up signing a contract or picked any sort of lease to own plan nor left the store with any product that day, just wanted to see my pricing options so I had decided to buy a laptop on sale at XXXX instead and forgot All about it. look on my credit just a few days ago to find Im charged over XXXX XXXX dollars for something I never purchased.
Consumer complaint received 2022-08-24
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: FIRST NATIONAL BANK OF OMAHA (CA)

On XX/XX/2022 - FNB OMAHA has placed an Inquiry on my XXXX report that I do not recognize. I did not give this company/creditor consent to pull my credit. Please remove this inquiry ASAP. 

Thank you.
Consumer complaint received 2024-09-20
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. (NV)

Recently, I opened a new credit card account, with XXXX XXXX XXXX which was done with the expectation that my credit report would reflect accurate and truthful information. However, I discovered that XXXX had falsely placed a fraud alert on this newly opened account without my consent. This action was taken in spite of my multiple disputes submitted to XXXX regarding inaccuracies in my credit report most recently XX/XX/year>. Where I disputed inaccurate harmful accounts : XXXX XXXXXXXX - This account is incorrectly listed with an outstanding balance or payment history that does not accurately reflect my financial obligations post-bankruptcy. 
XXXXXXXX XXXX XXXXXXXX This account is incorrectly listed with an outstanding balance or payment history that does not accurately reflect my financial obligations post-bankruptcy. 
XXXX XXXX XXXXXXXX This account is incorrectly listed with an outstanding balance or payment history that does not accurately reflect my financial obligations post-bankruptcy. 

NO WHERE DID I DISPUTR MY NEWLY OPEN CREDIT CARD WITH XXXX XXXX XXXX  The consequences of XXXX 's negligence have been severe. My credit score has significantly decreased due to these erroneous entries, and as a direct result, my new credit card account has been closed. This situation has not only affected my creditworthiness but has also caused me extreme distress and confusion as I attempt to manage my financial responsibilities. 

I have made numerous attempts to resolve these issues with XXXX, Transunion and XXXX as well as XXXX XXXX including submitting disputes and providing documentation to support my claims. However, my efforts have been met with inadequate responses and no meaningful resolution.
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (AR)

I have been trying to sign up for a high yield checking and savings account with my wife. When I apply for the account, I am declined because my credit is being reported as XXXX  When I clcik the link on the adverse action email provided by the bank, the company has me fill out my information, and submit it. When I submit it, I am directed to a screen that reads " We were unable to honor your request ''. I've been trying for several days, and am still receiving this response. When I contacted the bank 's help line, they told me that the reason that they had were reporting the XXXX credit score is because Experian is also denying them access to my credit information, and that I needed to contact the credit reporting service. 

Despite 5+ hours of calls, Experian 's customer service has hung up on me, and been uable or unwilling to assist me. I finally was able to reach someone who told me that there were no discrepancies with the information that I provided, but that there was nothing more that Experian could do.
Consumer complaint received 2022-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lamont, Hanley & Associates, Inc. (WI)

I received short term XXXX payments when I had my XXXX  XXXX. After I returned to work a few more checks arrived. In speaking with XXXX, I was instructed to destroy the additional checks. XXXX has sent me to debt collection to recover funds from a check that I believe was destroyed. In working with my credit union I was unable to find any record of the check they claim I owe them for. 

The check prior to this i DO owe partially for as it covered the week that I returned to work. 

I have been unsuccessful in getting XXXX to provide me actual proof that this check was deposited yet continues letting their collection agency hound me.