davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have requested in writing multiple times that the XXXX  XXXX Bankruptcy on my credit report with all 3 reporting agencies be verified and that they provide the procedures in which they verify that this information is accurate. 

This is the information I have requested : XXXX  XXXX BANKRUPTCY, Docket  # XXXX Please respond to me in writing and include the method of verification under FCRA 611 ( a ) ( 7 ). This should include the following : 1. The name of the courthouse with which you verified the information 2.The name of the person at the courthouse who handled your request 3.The address of the courthouse 4.Which document you obtained to verify the bankruptcy The generic responses I receive are that they were verified ignoring my requests for the procedures that violate my rights under FCRA 611 aforementioned. 

I've also verified with the XXXX XXXX courts that they have no role in the credit reporting process in which they made the following statement : The Bankruptcy Court has no interaction with credit bureaus, including XXXX, TransUnion, and XXXX. The Bankruptcy Court does not report information regarding bankruptcy cases to credit bureaus and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus. 

I previously wrote all three credit reporting agencies to investigate and verify the bankruptcy listed on my credit report and I received a response that the bankruptcy was verified with the bankruptcy court. 

I contacted the courthouse to verify their information release policy. The court informed me that they do not provide anyone with a debtors full social security number and they do not provide ANY credit bureau ANY information about ANY bankruptcy cases. 

It is quite clear that someone from Transunion, XXXX, and XXXX lied about verifying this bankruptcy with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ). 

As you know, it is also a violation of the FCRA to report inaccurate or unverifiable information on a credit report. Thus, I demand that they IMMEDIATELY REMOVE the following bankruptcy from my credit report : XXXX  XXXX BANKRUPTCY, Docket  # XXXX
Consumer complaint received 2023-01-27
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-27
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (PA)

Hello my complaint it's going to be for Wells Fargo. I had XXXX XXXX in CD. Somehow my money were gone there were given me fake papers saying I took the money when I never did and the same time I took {$100000.00} in loan to build my credit in the same time I had my CDs And I had {$300000.00} in my savings and checking account. My loan was on auto pay and for some reason I don't know how I missed a payment they took all the money from my account because I missed a payment. The remaining balance was XXXX I did spoke to them before when I was having this problem and I was like I where is my money they said I took them but I never did I told him I'm going to be taking screenshots from my online banking account because it keeps changing numbers. I told that to the XXXX and he told me it's fine you can do that the screenshot will be deleted automatically and that was true any screenshots I took were Automatically removed they kept acting like XXXX lying and all they were saying is I took the money and I never did. I'm a real estate investor in Pennsylvania because of the situation I couldn't finish my remodeling for my building
Consumer complaint received 2022-09-28
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: EQUIFAX, INC. (OK)

According to, 15 U.S Code 1681c-2 A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items as soon as possible These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 US code 1681 - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the Written Instructions of the consumer to whom it relates. I NEVER gave any consumer reporting agency Written CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the delations of the accounts listed IMMEDIATELY
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

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.

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 2024-09-13
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. (LA)

I am writing to request a reinvestigation of the following items ) on my credit report. I believe that the information listed below is inaccurate and would appreciate your prompt attention to this matter. XXXX XXXX XXXX  is an Unauthorized account I have never signed a contract or have any knowledge of this account. XXXX XXXX XXXX  must provide the purchase agreement barring wet ink signatures of both parties involved, mine and XXXX XXXX XXXX. If this document isnt published this account should be deleted under the FCRA Act.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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.

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 2022-09-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd (CA)

XXXX this person on XXXX. Got lured into this website site ( XXXX XXXX XXXX ) by this person from facebook ( XXXX XXXX XXXX XXXXXXXX ). I Deposited money with international money transfers apps ( XXXX XXXX XXXX XXXX XXXX XXXX ) including bank wire transfer and XXXX XXXX XXXX. Once I started trading with the money I invested for commission, all of a sudden it pops up that I won a bonus award and I needed to deposit more. Even the person I was talking to on XXXX helped me deposit with her money to help me unlock this bonus award, knowing the person was part of the scam. I had to complete my task of the day in order to withdrawal the money, then another prize award pops up, saying that I hit the jackpot. I had to deposit more money to complete to bonus prize. Now when it came to when I was allowed to withdrawal the money, trying to withdrawal full huge amount ( $ XXXX ), Now they saying I need to deposit 40 % of that total amount to complete a tax procedure for both the system and the bank. I had to open a loan and ended up depositing that 40 %. They tell me I must complete the task the day so I can withdrawal, I end up winning another prize. Now they tell me I must deposit more money to complete the bonus award then I can withdrawal. The prize just gets bigger and bigger and I have to deposit more and more. Unable to withdrawal, now I am stuck here feeling that I have been scammed. I've done research on the scammer XXXX account, she is pretending to be someone else and steal pictures from this XXXX account XXXX XXXX XXXX XXXXXXXX  Please help me, what should I do to get my funds back. I have other transactions starting XX/XX/2022.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXXXXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX and XX/XX/XXXX. 
Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The reported late payment was a result of a clerical error in processing my support payment. My payment was made on time, as confirmed by my bank records, but it was mistakenly recorded as late due to an internal error within the XXXX XXXX  XXXX XXXX. This error led to an inaccurate reflection of my payment history on my credit report. 
Evidence provided : Bank statement showing the payment made on time. 
Correspondence from XXXX XXXX XXXX acknowledging the internal processing error. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Hillcrest Davidson & Associates (FL)

I am writing this letter in response to the phone letter received from you on XX/XX/2022. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.

Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Thank you, XXXX XXXX
Consumer complaint received 2023-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (NC)

On XX/XX/2023, I opened a personal checking account online with First National Bank. It's been 3 weeks and I still didn't receive the debit card. Because of that, I'm not able to create an online account, access my funds, sign up for e-statements to waive the monthly fee... etc. I contacted customer service by phone on XX/XX/2023 and by email on XX/XX/2023 without a solution. The physical branches of this bank are all closed on Saturday and Sunday. It's not an option for me to stop by and get a temporary debit card.
Consumer complaint received 2022-09-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY (CA)

The complaint is to Wells Fargo Bank I am a XXXX woman and live in low income housing. I receive a monthly social security check but basic expenses exceed the amount by about {$500.00} a month. I freelance by editing documents to meet expenses. I am always struggling to make ends meet. 

I am being sued by Wells Fargo Bank for non-payment of credit card expenses following my being scammed for {$3500.00} on XX/XX/XXXX. The amount I'm being sued for is {$5600.00}. 

On XX/XX/XXXX I received a voicemail saying there was trouble with my XXXX account. I called the number and a man told me that he was with XXXX. He had hacked into my computer and was talking to me and writing me notes. He said I had to go buy an XXXX card for {$500.00}, not to tell anyone, then take a picture of the receipt, etc. He said I'd get the money back. For some reason, I did what he said. In the end, I went to several different stores, was in contact with him for XXXX hours and bought XXXX cards adding up to {$3500.00}. He said my account still wasn't working and we would continue the next. The next day I woke and realized that I had been scammed. 

I went to Wells Fargo on XX/XX/XXXX and told my story and asked if they'd waive the charges for {$3500.00}. They responded on XXXX XXXX saying they would not. 

I reported the scam to a lawyer for senior citizens who told me to file a police report with the XXXX XXXX, which I did. My case number was # XXXX. I was told to file a report with the FBI which I did. 

I was served on XX/XX/XXXX and told to appear in court on XX/XX/XXXX. I filled out all the proper forms. I contacted the collection agency representing Wells Fargo and said I could pay XXXX  XXXX. The agency said that Wells Fargo wanted XXXX XXXX or XXXX payments of {$1500.00}. I said I could pay XXXX XXXXXXXX and was told that Wells Fargo would probably have a counter offer and to contact the agency in a week. 

Thank you for your attention.
Consumer complaint received 2023-01-04
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: EQUIFAX, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( 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
Consumer complaint received 2023-01-04
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)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( 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 XXXXXX/XX/XXXX
Consumer complaint received 2022-09-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SYNCHRONY FINANCIAL (WA)

On XX/XX/2022, Paypal deceptively processed an application and issued a {$3000.00} line of credit for my account. 

This incident occurred while I was attempting to log in to my account on mobile to look something up. On login to the portal, I was immediately presented with a prompt to verify some of my personal information. This appeared at a quick glance to be a compliance related verification prompt, and since I was in a hurry, I did not read the rest of the screen closely. I accidentally continued through the next screen while I was trying to figure out what I was looking at, and then noticed that PayPal was processing a credit application. There was a link on screen to cancel this application, but it was already too late by the time I tried to tap it. The following screen notified me that I had been approved for the credit line and took me to my account.

I have contacted PayPal to close the account immediately, and I am requesting that all inquiries be removed from my report. I am assuming that I will also have to contest these inquiries through all of my individual credit reports.

Regardless of the outcome, I believe that PayPal 's deceptive and predatory lending practices should be investigated. It should not be possible to accidentally apply for a loan this easily, especially when I never even expressed intent or attempted to initiate the process. PayPal is clearly relying on what is called dark UX ( user experience ) patterns, by mixing these links in forms into an essential workflow ( login ).
Consumer complaint received 2022-09-28
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and updated without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-26
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)

I would like to assert that my right to privacy is of the utmost importance. This dispute letter serves as an exercise of that right. According to 15 U.S. Code 1681 ( a ) ( 4 ), you are fully obligated to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I am exercising this right under that law. Therefore, I request that all information provided in this letter be handled with the highest degree of fairness, impartiality, and respect for my privacy.

Furthermore, under 15 U.S. Code 1681b ( permissible purpose ), I have not granted this company any permissible purpose to access my information. This is a direct violation of the code, and I am requesting the removal of the following accounts from my credit report as they are negatively affecting my reputation, character, creditworthiness, credit standing, and credit capacity. Given your obligation to safeguard my privacy, I expect this matter to be addressed with urgency. 



XXXX XXXX XXXX