davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-25
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)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2022-08-15
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)

TransUnion has consistently provided false information to the CFPB, on XX/XX/2022 I submitted a CFPB complaint about TransUnion s failure to do a proper investigation into my dispute. TransUnion closed out the complaint today on XX/XX/2022 stating that their investigation was completed. However this a FALSE STATEMENT, I have enclosed evidence that TransUnion has not even started the complaint until XX/XX/2022 and the complaint is still in progress as per their own website. I have enclosed proof of TransUnion, s violation of the FCRA ONCE AGAIN. Disputed Account Name : XXXX BANKRUPTCY/ Account Number : XXXX.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-13
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many accounts 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 items or information which are found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-07-13
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. (TX)

There are several inquiries on my report that are there after finally reviewing my report. In the past i have shopped at classic XXXX and at XXXX XXXX both stated that they would only run my info through their dealer and there are way more inquiries on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-13
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. (PA)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-07-13
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: WELLS FARGO & COMPANY (DE)

From XXXX XXXX You Wells Fargo have report all late payments on my consumer report. They are cause stress and embarrassment to my public reputation as I am not able to apply for extensions of credit. So I am asking. 

1. I am requesting appropriate documentation that CLARIFIES How I am late on a payment AND which LAW states that you are allowed to furnish these negative items.

To my understanding there is no law that states a financial institution has the right to furnish ALLEGED late payments on any consumer report.

Under truth in lend act late payments arent even defined.

2. I am requesting appropriate documentation thats states I gave you CONSENT to share my non public information. 

If the follow documentation can not be presented I am requesting that all the payments are UPDATED in GOODSTANDING and XXXX out the balance.
Consumer complaint received 2022-07-12
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. (OR)

To start this debt should not of happened and had no real material value to the debt. At one time I had a good relationship with XXXX XXXX but they soured this through several acts of disservice. 

A fraudulent charge came into an account that I had at XXXX XXXX XXXX XXXX. This was after I had asked for the account to be closed. This charge was not PAID. Instead they charged an overdraft for a declined transaction. They then proceeded to keep overdrafting the account till it hit a time limit and they closed it out. ALL of this after I had closed the account. 

Years later I find this on my credit report. I tried to work with XXXX XXXX on this issue but they refused and pointed us to XXXX XXXX XXXX Since the amount was small ( XXXX ) we decided to just pay it and try to move on XXXX. However XXXX XXXX keeps updating this as an open collection with an updaid amount showing as a charge off every month even though we already paid it. We have tried to work with XXXX XXXX to close this out as they said they would but they are now refusing saying that the collection agency and only them can update them. They refuse to call or get any validation that this is paid and instead KEEP damaging my credit rating. We have disputed this information with the credit bureaus even attaching our receipt from XXXX XXXX XXXX but comes back as validated from XXXX XXXX XXXX XXXX. I am suffering real damages because this is effecting me buying a house for my family. I can not open an account with another credit union either because of this false claim. 

XXXX XXXX XXXX XXXX has been rude and not helpful at all. It seems the agents want to cause harm to people.
Consumer complaint received 2023-03-20
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. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-21
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. (FL)

I have been disputing the same accounts for the past couple months which have been coming back as Verified. I received a letter in the mail ( attached to complaint ) from XXXX XXXX  XXXX stating that my information was leaked in a data breach around XXXX ( around the time I began noticing fraudulent accounts appearing on my report and started disputing them ). I submitted an ftc report with the data breach information already ( also attached ). Under 15 USC 1681i ( a ) ( 5 ) ( A ) you MUST REMOVE all fraudulent accounts listed below which under 15 USC 1681i ( a ) ( 1 ) I have the right to dispute all inaccurate information.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-12
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXX Account # XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Consumer complaint received 2022-09-30
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. (DE)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-20
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. (MA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2022-07-12
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)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, Account # XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Consumer complaint received 2022-09-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

In early XXXX, I reached out to a Small Business Banking specialist to apply for a Business Line of Credit for my business. I am not a current customer of BOA and was looking to transfer my main accounts over and establish a relationship. My company has been around since 2016 and have done substantially well for ourselves. My credit is superior as well as the business credit. So, I have never been denied a credit request in my life not has my business. That is until I applied at BOA. Imagine my surprise once I was told that I was denied and would be told the reason via mail for a business that grosses and averages over {>= $1,000,000} per year, even during the pandemic. It absurd. My taxes are current. The business taxes are current. My credit is great, and the business credit is great. The company is and always has been profitable. But yet, I was denied a BLOC for whatever reason.and I can only it is one reason. I am a XXXX XXXX XXXXXXXX, and this is no secret that companies continue to XXXX  against business XXXX or XXXX  business owners and its sickening. I was always aware of companies such as XXXX XXXX and their rampant and blatant XXXX  practices, but I was unaware that BOA did the same thing. 

Normally, I would take my business elsewhere, but I can no longer bow down to these systematic XXXX issues that will continue to plague the society that my children will have to live in. Bank of America you should be ashamed of yourself. If you will continue to behave in this manner, be bold about it. Let the world know what you stand for so that every XXXX and XXXX  client you have can make an informed and conscious decision on whether they should bank with your company. 

How do you explain denying a consumer that has never received a denial letter in her life. I have always been approved or offered a counter offer but never ever ever have I been denied nor do I have any reasons to be denied. This is absolutely disgusting and disheartening.
Consumer complaint received 2022-09-19
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 (VA)

On XX/XX/2022, I placed a dispute # XXXX with the Capital One credit card dispute department against a merchant ( XXXX XXXX XXXX ) that after processing a transaction on my credit card for the amount of {$170.00} the sale associate did not give the item. I called the phone number provided in the email and spoke with a customer service representative. I splain that the merchant charge my credit card and never give me the item due to the sale associate was in an argument with another customer and the sale associate stated that they need to verify their inventory. I wait until XXXX XXXX  went the mall was about to close but this merchant refuse to provide me with the item. Once I arrived at my car I call Capital One customer service and report the accident. On XX/XX/2022. I received an email from Capital One Bank stating that they were working hard and need more documentation. I provided the purchase receipt and some flyers of the purchased item. 
On XX/XX/2022, I received an email stating that my claim was denied. I called the Capital One dispute department and requested the reason, they said I did not provide sufficient documentation. I splained again what happen the customer service representative said that the person I previously spoke to had placed the dispute as a refund request. I specify how I can request a refund if I never received the item. He direct me to place another dispute indicating that I never received the item. Today, I received another email from the Capital One dispute department stating that my claim was denied. I called customer service and request to speak to a manager. The manager XXXX said the determination was final and there is nothing I can do to get the transaction reversed because the merchant had provided financial documentation proving that they give me the item. I do not know what documentation can be provided to prove that I did receive the item because I did not receive the item and the only thing I have is the receipt and the phone call I placed to Capital One on the same day of the accident.
Consumer complaint received 2022-07-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (GA)

I posted an item for sale through XXXX XXXX for {$500.00}. I soon received a direct message from XXXX XXXX ( email XXXX Registered as XXXX through ZelleXXXX ) ( User name XXXX XXXX ) asking if the item was still available. I responded yes. She then proceeded to ask if I had Zelle in which I responded yes. We then began to have the exchange via XXXX XXXX ( I have entire screenshot of messages ). I received an email from XXXX XXXX  ZelleXXXX  '' speaking about a business account and that I needed to send the overpayment of {$200.00} in order for the initial payment of {$750.00} to be released because I did not have a business account ( I have those emails as well ). In which I did. I then received an email asking for another {$500.00} to be sent to release the hold. XXXX then asked that I send the payment of {$300.00} to XXXX XXXX via Zelle using the email ( XXXX ) in which I only sent {$300.00} because Zelle stated that I had reached my limit for sending money. I was then advised by XXXX to send the remaining {$200.00} to XXXX ( XXXX ) via XXXX in which I did. The funds in the amount of {$1200.00} were never released to my XXXX account. XXXX then requested that I send an additional {$500.00} via XXXX XXXX in which I refused. I also requested a refund via XXXX for the {$200.00} to be refunded via XXXX and no response. I requested the funds be returned from XXXX XXXX XXXX ) and XXXX XXXX in which they have failed to do so.. I was also approached by XXXX in XXXX XXXX ( XXXX User XXXX ) with a similar request... I have screenshots of all interactions with both XXXX XXXX and XXXX .... I have complete emails and screenshots available as well.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I am a victim of identity theft a business loan was opened under my business information with XXXX XXXX account number XXXX, this fraud account is not reporting has chargedoff on my credit report. 

Two unauthorized hard enquiries from XXXX XXXX and XXXX was also reported to my credit file as a result of identity theft.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-09-19
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. (CA)

This company is continually reporting incorrect information on my credit report! I requested this company to validate the debt and they have not provided me with I also asked to show me the method of verification and they have not sent me anything! I also asked this company to show me how investigated the negative items on my report they have also not provided me any of these items! 

This company is effecting my credit report negatively and it is not allowing me obtain any credit lines in order to provide my family! 

This company is braking several laws while violating my rights as a consumer under the FCRA & FDCBA!

15 U.S. Code 1692- ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy 15 U.S. Code 1681- ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports. In accordance with the written instructions of the consumer to whom it relates 15 U.S. Code 1681a - Definitions ; rules of construction. 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. 

ACCOUNT : XXXX  ACCOUNT # : XXXX DATE OPEN : XX/XX/XXXX ACCOUNT : XXXX XXXX ACCOUNT # : XXXX DATE OPEN : XX/XX/XXXX