davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX  Account number : XXXX XXXX XX/XX/year>
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. (FL)

NOTICE OF XXXX XXXX XXXX  IDENTIFY THEFT!! Aggravated Identity Theft pursuant to 18 U.S.C. $ 1028A. A ConsumeXXXX reporting shall block the reporting of any information in the file of a consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. 

Reporting Late payment and Utilization is illegal. Civil liability for willful noncompliance of Deletion, VIOLATIONS, DELETIONS TO CONSUMER REPORT. 15 u.s.c. 1681a and 15 USC 1681. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for, ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 1692 K and 15 USC 1640 Civil liability.15 U.S. Code 1681 N ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;. ( B ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

15 U.S. Code 1681n - Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability. Please Delete accounts from my consumer report immediately. 



Enclosed : copy of ID, Utility Bill showing proof of address, Copy of Social Security Card and FTC identity theft Report. I don't want to have to file a lawsuit again.
Consumer complaint received 2022-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FIRST NATIONAL BANK OF OMAHA (TX)

there was two account that was open up due to fraud I am a victim of id theft, I ask the company to show proof that I open it up with a valid government id or a contract with my signature on it, Fnb Omaha failed to do so. but keep on reporting on my credit
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing in response to a recent notification on my credit report. The information reported are inaccurate and is leading to a negative impact on my credit file. I am including proof with this letter and the information on the credit report is incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

By the Provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under XXXX XXXX Sec. XXXX ( a ), you must complete this investigation within 30 days. of receipt of this letter.. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for the updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past 6 months.
Consumer complaint received 2022-07-29
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)

It has been proven that you are not abstracting records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$3400.00} US DEPT ED XXXX Balance XXXX {$4800.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$8400.00}
Consumer complaint received 2022-09-27
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Our loan was acquired by XXXX as of XX/XX/2022. Prior to being acquired by XXXX  we were in the process of going through Loan Modification from COVID relief. The loan modification was almost complete when our loan was sold to XXXX. When XXXX acquired the loan we were advised that the modification process was completed, however it appears the process has started all over agin. Since XX/XX/2022 our loan has been reporting as more than 300 days late. This was corrected in XXXX when XXXX was advised once again of the inaccurate reporting. At that point payments were being made on the account however we were advised that the payments could not be applied towards the loan. We were told by several representatives that we did not need to make payments as the loan modification process was still ongoing and we were still in forbearance. All documentation was sent to XXXX  as requested to complete the modification process, and were confirmed as received. We have been advised that the credit was in fact reporting incorrectly but that it would be updated. This was as recently as XX/XX/XXXX. AS of XX/XX/XXXX the report is now reflecting that we are {$17000.00} past due. This has caused a significant drop in our credit scores with all three major credit bureaus. According to XXXX  mortgage portal we are 330 days past due. They are reporting to the credit bureaus that we are 180 plus days past due. Both of which are discrepancies. According to their site as well our modification is complete. We were told that the VA was giving approximately {$16000.00} to bring the loan current. We have tried to remedy this with multiple different reps with XXXX  on many different occasions. We have been met with nothing more than rude, condescending agents with attitudes. They are not willing to listen or assist with the issue. We have been told different things by different reps but no one has been actually willing to assist in getting the situation remedied with the exception of XXXX XXXX who we have tried to speak with again but the reps are unwilling to include her in these complaints. Due to the experience that we have had with them, we are shopping for a new mortgage company. However the negative impacts to our credit from the inaccurate reporting is making this far more complicated.
Consumer complaint received 2022-09-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I'm unaware of who I should direct this inquiry so my apologies if you don't handle this but my " Statement of Vehicle Sale '', the " Retail Installment Contract '' and what the dealer told me are all completely different prices. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2011 XXXX XXXX XXXX Door Sedan Vehicle Mileage - XXXX miles ***** '' Statement of Vehicle Sale '' ***** Plate Fee - {$110.00} Title Fee - {$15.00} Sales Tax - {$480.00} Purchase Price of Vehicle - {$7900.00} Other Taxable Charges- {$210.00} Total - {$8100.00} Non Taxable Charges - {$1700.00} Total Delivered Price - {$10000.00} Down Payment - {$1200.00} Unpaid Balance Financed- {$9200.00} Total of Finance Contract - {$14000.00} XXXX '' Retail Installment Contract '' **** Motor Vehicle Cash Price - {$7900.00} Paid to Public Officials for Certificate of Title XXXX {$23.00} Sales Tax - {$490.00} Document Preparation Fees - {$220.00} Non Taxable Charges - {$1700.00} Cash Price - {$10000.00} Down Payment - {$1200.00} Unpaid Balance Financed- {$9200.00} Finance Charges - {$5300.00} Total of Finance Contract XXXX {$14000.00} ***** '' Dealer Advertised Pricing and Actual Deposit Amount '' ***** Motor Vehicle Cash Price - {$5900.00} Sales Tax - {$350.00} Document Preparation Fees - {$220.00} Gap Coverage - {$1700.00} Down Payment - {$2000.00} Unpaid Balance Financed- {$6300.00} Finance Charges - {$2900.00} Total of Finance Contract XXXX {$9200.00} If this is not something your department handles I would appreciate if you could point me in the right direction. 

Thank you, XXXX.
Consumer complaint received 2024-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION (MD)

In XX/XX/year> I made XXXX withdrawals from the atm. The last transaction did not dispense the cash. I took a photo of the error message and reached out to the tech that services this atm. Called my bank and filed a claim. My claim was denied because my bank stated that the owner of the atm has proof that I received the cash. This is not true. Immediately after my transaction the atm went out of service.
Consumer complaint received 2023-09-01
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I made a {$1000.00} retainer payment on XX/XX/XXXX for an appraisal from a company named XXXX XXXX XXXX. Per Uniform Standards of Professional Appraisal Practice ( USPAP ) adopted by Congress in 1989, this entails reporting the findings and/value. I have not received an such report or information of any sort. 

In XXXX of XXXX, I notified Capital One that I wished to dispute the {$1000.00} charge as I never received any product or service. On XX/XX/XXXX, I received a letter from Capital One acknowledging they had credited my account during the investigation. XXXX XXXX XXXX responded. I submitted answers to his responses. On XX/XX/XXXX, Capital One notified me via mail that they had declined my dispute and billed me {$1000.00} again. 

Subsequently, I spoke with a Capital One representative over the phone. He voiced Capital One had sided with XXXX XXXX XXXX because I made the payment unconditionally. My contract reads " For services rendered by us, you unconditionally agree to pay ... '' I am disputing that services were rendered by the vendor, so that second part of this sentence requiting payment is not valid. Despite use of the word unconditionally, the contract sentence has a condition, specifically services have to be rendered. Yes I can agree to unconditionally pay for a XXXX, but it still depends on my receiving a XXXX. I have no evidence of any service being provided and have not seen any appraisal. Capital One does not seem to understand the payment without receiving product or service equates to a scam. 

XXXX XXXX XXXX also answers that he has financial dispute with a third party that I work with called XXXX XXXX XXXX. In his answers, he provides an email to this third party detailing his dispute. I don't feel I need to get involved in this and certainly should not be responsible for a dispute between him and a company not party to the agreement. The signed agreement is only between me and the vendor. His account status with another company not party to the agreement is not of my concern. Capital One wants me to address this. Why is Capital One holding me responsible for another company? 

In the end, the representative says they will not credit my account unless the merchant issues a credit because they have no way of recovering the {$1000.00}. I don't think whether Capital One will be made whole is how to fairly decide the outcome of a dispute process. 

To summarize, I entered into an agreement to pay vendor for an appraisal. I did not receive an appraisal. Capital One is aware of this and sides against my dispute for reason above as explained to me.
Consumer complaint received 2022-12-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

I was called by a Wells Fargo phone number to verify charges against my account. I was sent a text with a secure number to verify my identity and discovered the call was a scam. My checking account was charged for a wire transfer online for {$24000.00}. 
I called WF immediately and reported the scam. They took my report and told me I would be reimbursed because it was a case of fraud. 
I got a letter in a few days advising me that because I had initiated the wire transfer they would not reimburse me the {$24000.00}. 

I did not initiate the transfer, I was scammed initially and reported it immediately as a scam and fraud. 

I am XXXX XXXX XXXX, and I believe there are protections in place for fraud against a senior citizen and that Wells Fargo did not do a thorough investigation to try to recoup my money.
Consumer complaint received 2022-09-27
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (WA)

I received a email alert from Capital one on XX/XX/17 for recurring charges. This alerted me right away to fraudulent charges. Once on phone with Capital one fraud department they informed me of other recurring charges for same amounts and ALL were unauthorized. There were a total of XXXX charges that were unauthorized by either myself or my husband. One of which was a " E-book for working out '', My husband doesn't even workout. All charges brought to my attention were NOT authorized. Capital one opened a investigation and returned with a response and letter dated XX/XX/XXXX telling us we were responsible for charges after their investigation. On XX/XX/XXXX I called and spoke with management in the fraud department and was told that because I paid my bill every month that they deemed these charges valid. This company offers fraud protection in its advertising and marketing. They did not return that to this customer for 100 % valid fraudulent charges. How you can deem someone responsible because they pay their bill on time every month is alarming. My spouse and I do very well and pay our bills without question until something arises that alerts us such as capital ones email did. I can see how it would be easy for criminal to charge small amounts monthly that end up adding up without notice until such as my case, was alerted. I find it unacceptable on capital ones part to offer fraud protection and then not follow through and deeming the customer responsible because they pay their bill on time. I want our monies back for reported fraud charges. Case # XXXX
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. (TX)

Hello, I have began going through the journey of identity theft with all 3 credit bureau 's. I have provided police reports, affidavits, statements all notarized and they have continuously reported inaccuracies on my report. There is a XXXX XXXX XXXX that appeared on my credit report around XX/XX/2020. I reached out to the credit bureaus and filed an FTC report that still wasn't good enough. I have been reviewing my credit reports regularly. I have found several errors in the following account ; XXXX XXXX XXXX Account Number : XXXX. I have disputed this account previously and every time I dispute with all 3 credit bureau 's and they continuously report negative information about me which is inaccurate, unverifiable, invalid and questionable that the credit bureaus didn't make sure the information was 100 % accurate. Which violates 15 U.S. Code 1681e ( b ) Accuracy of Report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the consumer to whom the credit report relates. Currently, of which all three credit bureaus are reporting three different reporting dates and the last active dates. As you are aware there can only be one reporting date and the last active date. If in fact this was a repo or a charged-off account. How can there be a recent default in the payment if this account was reported as a repo in XX/XX/2020 but the payment history reflects no history on Transunion, XXXX shows charge-off began XX/XX/2020 and XXXX shows XX/XX/2020? None of these are consistent. This tells me that these accounts have not been properly verified or the credit bureaus have been lying about verifying these accounts and they must be deleted immediately. These inaccuracies from the credit agencies are clearly in violation of the FCRA Under 15 U.S. Code 1681e ( b ) Accuracy of Report. If any information or items disputed by a consumer ( me ), an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item immediately. The credit reports prove that this information is inaccurate and incomplete. Please remove these items from my reports. Once complete please provide me with a copy of verifiable proof within 15 days after your investigation, you must remove the account and all listed information immediately. Thanks for your help with this matter.
Consumer complaint received 2024-11-19
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)

I recently reviewed my credit report and was shocked to find a blatant error regarding my account ( XXXX ). Your report claims I had a late payment in XX/XX/year>, despite the fact that I paid on time. Even more troubling, the other major credit bureaus correctly report this account as Paid on Time. This isnt just a simple mistake, it feels like Im being taken advantage of. By law, under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that the information you report is accurate and consistent across all bureaus. Reporting conflicting information isnt just careless its a violation of my rights as a consumer! I'm now requesting that the late payment reported on XX/XX/year> AND ANY OTHER LATE PAYMENTS REPORTING ON THIS ACCOUNT BE UPDATED TO PAID ON TIME IMMEDIATELY. Ive attached supporting documents, including my credit report, to illustrate this inaccuracy. Failing to correct this error immediately would be a continued violation of federal law. Despite this confirmation, the bureau has refused to delete and remove these inaccuracies, leaving me feeling taken advantage of and powerless.Thank you for your understanding and prompt action.