davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-24
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)

I sent in my police report and my FTC affidavit to the three credit bureaus XXXX Fraud department who asked me to send in my fraud package. After sending to them fraud package they have not replied to anything they have not responded and keep showing fraudulent accounts from these XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They deleted the fraudulent account only to put in on again without notifying me. I then submitted a challenge dispute and then XXXX again and was accused me of being a third party and or hiring a credit repair company basically insulting my intelligence. I went down to the police station and sent in a police report along with my FTC notarized Affidavit. XXXX also accused me of not getting a police report from the police department that is not true and insulting. Trans Union accused me of using a third party or a credit repair and again that is not true I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Defamation of character I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2022-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

To who it might concern : On XXXX XXXX, I got a phone call from Bank of America, saying someone else was trying to log onto my account, and I clearly said it was not me, then BOA asked me change the password, and I did it on XXXX XXXX and I didnt notice my account balance has problem. However, when I logged onto my account on XXXX XXXX, I notice there was a wire transfer {$25000.00} done on XX/XX/XXXX. Obviously it is illegal transfer because the time of transfer was very close to when BOA called me to report me a suspicious log in. I reported this to BOA but they denied my case, I am looking for help from other agencies. 


Thanks XXXX
Consumer complaint received 2022-04-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2022 I did a balance transfer of my credit card funds. I transferred my funds from my XXXX XXXX Credit Card account to my brand new Wells Fargo XXXX XXXX XXXX Account. I did it online on the wells Fargo online site. 
I asked Wells Fargo to go to my XXXX XXXX credit card and do a balance transfer. 
The {$3000.00} was then moved to my Wells Fargo Credit card but never came out of my XXXX XXXX card. I did two disputes and executive investigation with Wells Fargo. They said they transferred it and it is not their fault it did not come out of XXXX XXXX. However, when I call XXXX XXXX they said that did not receive anything and it was up to Wells Fargo. 
I have called and sent letter along with through investigations and nothing is working to have them fix this. I am now owing a total of {$6000.00} with {$3000.00} for Wells Fargo and {$3000.00} for XXXX XXXX plus the interest.
Consumer complaint received 2022-04-19
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. (NC)

I tried numerous times to reach out to company to explain I have been a victim of identity theft and this account I did not open! I just keep hearing we will contact you at a later time, then I never hear anything again. This is Hindering me from purchasing a home and has effected my credit score Tremendously. If I dont here anything after this complaint I will contact corporate and any news outlets that I need to, to get this account removed from all Credit bureaus.
Consumer complaint received 2023-04-18
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. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (NV)

I am requesting claims and defenses under Federal law ( 15 USC 1666i ). This section specifies the cardholder 's liability is limited to the outstanding balance minus the value of the fraudulent transactions when the issuer is notified. I do not consent to any past or future payments being applied for the fraudulent charge. Regulation Z, specifically 1026.12 of the TILA contains special credit card provisions that limit my liability for fraudulent use of a credit card. I hereby inform the card issuer and representative investigating the case, that I am withholding payment on the fraudulent charges.

However, to be a loyal consumer I will continue the minimum payments under duress and fear that withheld payments will negatively impact my credit report and reputation. According to California Financial Code Section 2102, 17000 and Federal law principles. I reserve the right to refund. Consumers should be protected from financial loss from fraudulent transactions. The Fair Credit Billing Act safeguards consumers from fraudulent transactions on their credit card accounts.
Consumer complaint received 2021-04-30
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. (SC)

Last year on or about the month of XX/XX/2020 I received a copy of my credit report from annualcreditreport.com and I also received a copy of my credit report directly from Experian Information Solutions , Inc.XXXX While going over the information contained in that report I noticed that their was a collection account that had been placed into my credit report profile, unbeknownst to me, that I did not recognize. 
Prior to the collection account being placed onto my credit report I did not receive any notifications whatsoever, in the mail. Nor, was I notified by any other electronic means, and/or via telephone calls. As a result, I decided to dispute the negative account that was adversely affecting my account directly with Experian Information Solutions , IncXXXX, and also with the furnisher, XXXX, XXXX, respectively. I sent both Experian, and the furnisher XXXX, XXXX Certified Mail Letters with Return Receipts through the US Postal Service pointed out to them the inaccurate information that was being reported. In addition, I respectfully demanded that they either correct the account in its entirety, or delete the account altogether. 

Experian, refused to conduct a reasonable investigation on their own, but what they continued to do over and over again was parrot the information that they received from the furnisher, which merely stated that the account was verified as accurate, by the consumer. Even though the information that was provided to the from myself was a Validation Letter that I received directly from the furnisher that completely contradicted what was being reported by the furnisher, to the credit bureau. Even with irrefutable proof, Experian refused to even conduct their own investigation. 

Initially, when I first began to dispute the account information with the credit bureau, I also sent a Request for Validation directly with the furnisher, too. What I received in the mail from the furnisher was a Validation Letter that proved that the information that was being reported was in fact inaccurate. It is irrefutable proof that the account was being reported inaccurately. Not only was the amount inaccurate, but the date opened field was changed periodically. The date first reported field and the payment history fields were also inaccurate, and were changed periodically.
Consumer complaint received 2022-09-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OPORTUN FINANCIAL CORPORATION (TN)

I called today to find out what the interest rate was because I have made extra payments on this account and most of my money keeps going to interest instead of additional principal payments like I expected them to.They told me it was 12.5 % but while I was looking online I saw it was 14.99 %. He also explained that the interest was compounded daily which I did not expect either. I told him that I never received a copy of my loan documents and he stated he would send them out again via email but it would take 1-3 business days. I should have received these documents at the start of the loan, but did not. I have paid over a XXXX dollars to the loan and my original balance was {$8400.00} and now they are saying it is {$7900.00} which means I have paid over {$600.00} in interest and I have only had the loan since April. that is a {$100.00} a month almost in interest. This seems to be predatory lending to me. Can you help me make a settlement with them so I can go ahead and pay it off at a lower rate, or change to simple interest? I need some help. 

Thank You, XXXX XXXX
Consumer complaint received 2023-03-14
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. (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. 

Account name : XXXX XXXX Account number : XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX XXXX  reported me 30 days late in XXXX/XX/XX/2020. I contacted the company about the credit reporting of 30 days late. They informed me that they never reported me 30 days late. Despite them denying the fact that they reported me 30 days late in XXXX /XX/XX/2020, my credit report still reflects 30 days late in XXXX/ XX/XX/2020. Also, I filled out a credit dispute on the 30 days late with TransUnion, XXXX, and XXXX. My credit reports reflect that dispute was resolved, yet I still have 30 days past due showing on my credit report for XXXX/XX/XX/2020. This issue never was resolved. 
My credit score dropped over 60 points from this misreporting/ error on my credit report. I'm suffering greatly from this misreporting and have been denied for car refinance loan and debt consolidation loan due because the 30 days past due and my credit score dropping over 60 points. Lastly, I contacted XXXX in XXXX and XX/XX/2020 via phone and letter. I never received any correspondence from the letter to XXXX at all.
Consumer complaint received 2023-01-24
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. (VA)

The information contained in the payment history of my account with the department of education with account number XXXX is incomplete and inaccurate and needs to be updated to reflect only true and accurate information. I notified XXXX that there are several 90/120 late payments reporting on this account with the months prior to a 90 day late being reported as being on time, it is not possible to say it is 90 days late and also say it was on time the previous months before the 90/120 late payment is reported. Please see attachments for each specific discrepancies that needs to be updated to reflect true and accurate information. 

Inaccurate late payments which is evident by the incomplete information thst is being reported on the following months in the following years on my consumer credit report : XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-14
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. (WI)

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 XXXX has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX 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 XXXX 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 XXXX 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 XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Consumer complaint received 2022-06-24
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: Experian Information Solutions Inc. (FL)

Experian has been neglecting my requests for the removal of the fraudulent information on my file despite the multiple written appeals that I have been sending to them. The last letter I sent to Experian was XX/XX/2022, with complete attachments of my personal information to remove the account and information reporting on my file that is completely UNKNOWN to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any accounts or information not later than 4 business days after XX/XX/2022. Ive already included this account in my previous Complaints & I am including them again : XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2024-10-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (NY)

Dear Sr/Madam, I am writing this letter to formally dispute the validity of a debt collection letter I have received from your organization asserting that I owe a debt related to the account. Under the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to request validation of the debt that you allege I owe you. This is not a request to verify the debt, but rather a request for you to provide complete and competent evidence of my contractual obligation to provide payment due to you. Can you supply me with a contract or agreement signed with your company or the Creditor Please provide the following alleged information to me within thirty ( 30 ) days from receipt of this letter. 

1. The name and addresses of the original and current creditor Verification of the debt amount that you are seeking to collect showing that a contract exists create the amount that you claim is owed.

2. All the assignments showing the debt transfer from the original creditor to the current creditor. 
3. Please provide me XXXX proof the debt was securitized by the original creditor. 
4. Please show the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
5. Please show documentation on your licensing : Please provide me with your agencys licensing and registration information, as requested by the relevant state and federal lawyers. 
Pursuant to my right under FDCPA, please cease and desist from collecting on this debt until you have validated the debt. Please consider this letter as a formal dispute of the debt, and I kindly request that you respond to this dispute in writing within 30 ( Thirty ) days of receiving this letter. Failure to provide the requested information within this time limit will be considered a violation of the FDCPA which will result in the removal of the account from all XXXX ( Three ) credit bureaus. 

Sincerely,
Consumer complaint received 2023-01-19
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-20
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. (NC)

Dear XXXX XXXX XXXX, I am exercising my right under the Fair Credit Reporting Act, Section XXXX, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX As per Section XXXX, I am entitled to see the source of the information, which is the original contract that contains my signature.
Consumer complaint received 2022-06-30
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. (TN)

According to the Fair Credit Reporting Act, XXXX XXXX XXXX is in violation of my rights, this corporation is reporting transactions on my consumer report. According to 15 U.S.C 1681 2A states, any report containing information solely as to transactions or experiences between the consumer and the person making the report is EXCLUDED from the consumer report. I have contacted this company to remove this account from my consumer report and they have not fulfilled my request. 15 U.S.C 1681 also states that an account can not be furnished without my written consent. This account is currently on my consumer report.