davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-01
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. (NJ)

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 XXXXXX/XX/XXXX
Consumer complaint received 2023-02-01
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. (NJ)

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
Consumer complaint received 2023-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

i have reached out to the bureaus and nothing have been done i provided an FTC report still nothing. Im getting declined to credit cards due to these false inquires on my report.

As per FCRA section 609 605 and 623 Please provide record of consent for this inquiry and record of accuracy. If unable to validate or provide written records I expect removal of this inquiry immediately.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MN)

I contacted Equifax because they continue to report incorrect information about 2 old loan accounts I had with XXXX. I disputed these inquiries ( with documented proofs ) using Equifax 's online dispute form, and was contacted about a week later saying Equifax resolved the dispute. However, when I logged-in to see the resolution, all Equifax did was leave me a note saying that the XXXX information was correct. When I originally submitted the dispute with Equifax, I informed them that I had already attempted to resolve this issue with XXXX  but XXXX still had not removed the incorrect information, nor have they done anything else to correct the error. The last time XXXX updated my file with Equifax was almost 1 year ago - and since that time, XXXX has closed my accounts, transferred my accounts to another company, XXXX, and at XXXX my accounts were completely paid and closed. I submitted all this information to XXXX and Equifax but they will not correct these errors in my credit reporting file. XXXX has updated my files with the credit reporting agencies to reflect all this information, so I don't know why XXXX refuses to correct my information and why Equifax refuses to update the XXXX information.
Consumer complaint received 2023-02-01
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: EQUIFAX, INC. (GA)

I have been unable to access my Equifax account for the past XXXX months. Ive called the company at least once per month to speak with a representative about handling this issue. The representative attempted to reset my password on their side and that does not fix the problem. After about a 30 minute phone call the representative tells me that they will send my issue to the technical department and someone will get back to me. That has never happened. When I apply for funding, Im told that they can not see my credit score from Equifax. I have been told by an Equifax representative that I do not have a credit freeze or fraud alert on my account. Ive written several letters and sent the information to verify my identity to asked to reset my account and that has not worked.
Consumer complaint received 2023-02-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (CA)

Hello sir/madam We started to transfer our money from XXXX to XXXX through XXXX about 3 months ago, we talked to our bank ( wells fargo ) in advance to get permissions and the OFAC license XXXX the bank told us we are good to go. So we started to wire the money in several XXXX and XXXX wires continuously. Each time a wire was received by the bank they asked us to go there and sign OFAC AFFIDAVIT paper and after a a few days the bank would credited our account, but after all the transferring was done we realized the bank has not credited our total amount of XXXX $ instead they gave us XXXX $ .we waited a few days but no luck. XXXX $ is missing. We have all the ofac affidavit papers that sais in total the amount is XXXX but they say its not a proof! The problem is that we dont know which of these several wires have been credited and which ones havent because they all been continuously sent and very similar amounts. But with further investigation we find 12 possible wires that that could be it, 7 of these 12 havent been credited. We asked the bank to check these 12 ofac affidavit papers because they have reference numbers on them but they are not helping us! Its been a month and we are going back and forth and nothing so far, no one is helping us. 
The bank said maybe theres a problem with the bank in XXXX, but they gave us the ofac papers to sign! So we know that the money is here, but no one seems to know where its gone! And we tried to talk to everyone even in different branches but no one is helping. 
So Im here asking you to help us, we need the rest of the money we are stressed out Could you help us please?
Consumer complaint received 2023-02-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

For the XXXX  time on XX/XX/XXXX ; I applied for a XXXX  from XXXX XXXX XXXX. I was turned down again with a score of XXXX. A Figure representative named XXXX; said it was because of a past delinquency. When I talked to Experian, they tell me that I have not had a delinquency for close to XXXX  years. But, they still are stating past or present delinquencies. Also, a XXXX loan is tied directly to my home. So, there is very little if any risk! If I have had my home since 2006 ; don't this count to a mortgage company for something? 

A XXXX score is considered good. Usually, a conventional loan requires a XXXX score. I need the government to question XXXX as to why they advertise a score of XXXX ; but my XXXX is no good to them! For the past XXXX years, I have had XXXX medical issues. But, I still made my payments within XXXX days. If I was a different race and in a different zipcode ; I believe that their system would have approved my loan. I will not stop till I prove that I am right! 
The government need to fix this problem. Too many minorities are being hurt by companies with their redlining software!
Consumer complaint received 2023-02-01
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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 2023-02-01
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. (NE)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, and repaired. 
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 2023-02-01
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)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2020-11-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Consumer complaint received 2023-02-01
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. (TX)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 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 2019-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (VA)

I attempted to send a XXXX payment to my sister for {$290.00} though my online banking account with Chase, something I have done numerous times before, though not to this particular recipient. The next day I checked my email and had a message from Chase saying there was an important message regarding my transfer, which had been cancelled, and that I should login to my online account to read the details in my Message Center. Upon trying to log in, I received a screen telling me my online access had been blocked, due to " suspicious activity '' on my account. I called the number and after speaking with the customer service agent I was told the only way to unblock my online access was to go to a Chase branch in person and present my ID. The problem being I am XXXX overseas, serving in the XXXX XXXX XXXX and unable to appear in person. I was not offered any other means of authentication. I requested escalation several times and eventually spoke with the Executive office and filed a complaint. This resulted in a case being opened and assigned to an " investigator '' who was supposed to help identify other means for me to verify my account. I offered to send notarized IS 's plus a notarized letter from the Ambassador and was told no, that would not be accepted. I offered to go to XXXX, the only U bank here in XXXX for verification and was again told no. I was literally given no options for verification other than the in-person at a branch option. I called back the next day, and continued to be told the only way to unlock my access would be to come into a branch in person. I can only access my bank account online here in XXXX, so without access I am unable to pay my bills, transfer money to my children, verify my deposits and transactions, etc. It was absurd that the bank would not prove another means of verifying myself, other than to come into a branch physically myself.
Consumer complaint received 2023-02-01
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. (GA)

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I also request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within 5 business days after the completion of the reinvestigation.I DO NOT CONSENT TO XXXX FOR VERIFICATION. 

Again, if you fail to immediately remove inaccurate, incomplete, or unverifiable information, be advised that I intend to log a complaint against you with the Federal Trade Commission and the Consumer Financial Protection Bureau
Consumer complaint received 2023-02-01
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. (TX)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved 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
Consumer complaint received 2023-02-01
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. (AR)

I was notified of fraud from a credit monitor system ( XXXX  ), that multiple credit cards accounts were attempted to be opened and inquiries placed on my credit report all with XXXX, XXXX and Experian companies. The dates of these inquiries include : January 22-24, 2023. XXXX inquiries were with XXXX credit card company ( XX/XX/XXXX and XXXX, 2023 ), which I called them about, and made them aware that the person was not I who attempted the accounts. They stated the person committing XXXX tried for a XXXX credit card through them, which they declined at the time. XXXX credit card representative stated the he would notify the XXXX Credit Bureaus XXXX XXXX XXXX. I then called XXXX XXXX to notify them of the XXXX inquiry on XXXX XXXX. They stated that they did not see an account opened in my name and that I would have to send them the XXXX report letter by fax, which I am doing today, for them to follow up with Experian. I then also notified XXXX  credit card company of the inquires placed on XX/XX/XXXX and XXXX 2023. Per XXXX  they could not do anything about the inquiries due to no account being shown under my name or social. They stated I would have to wait and call them in a couple days to see if there are any new accounts made in my name. They stated they could not notify the XXXX or Experian since there was no evidence to be seen from them of fraud. After calling XXXX, XXXX  and XXXX XXXX, I then called each of the Credit Monitoring establishments. XXXX was notified of each inquiry and my account frozen to assist with further fraud attempt. Experian and XXXX were also notified and all have been XXXX account wise. After reporting all of this, I will be sending the reports from XXXX to XXXX, XXXX, Experian and all the credit card companies to help assist with deleting these fraudulent Inquiries on my credit reports.