davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (CA)

Since XXXX I had noticed having unrecognizable transactions in my main bank account. As I had always assumed used bill pay to pay bills and make deposits to my acct at another institution, I never had used wire transfer as a way to send funds. Upon my discovery of possible account/identity fraud ; my account with flagstar had received an unexpected zelle transfer that needed a verification and when I questioned it I never received a response nor funds. At one point the account had listed other accts that seemed attached from multiple banks of financial offering and I had sent in a request to the banks I regularly dealt with as well as the transfer company to find out what was linked and about the rare notice. As I never received a response I had just began using the service as I needed to now use the only savings I had because of the fraud I've been dealing with ever since I inquired about the original process of transfer not making sense. As I have made transfers I noticed that bb & t was linked yet, I wasn't aware of this account and have never been notified. Since it seems to me that the original concern has gone unanswered I am attempting once again to get information on an acct linked to my bank via XXXX and find out how long it's been active and why no communication has ever been made. I have already put in another request for acct profile information to offset the increased problem I'm having with getting information on sum thing that thru a verification process ; shouldn't take so much work. It has been a concern that not only is identity theft possible as I have seen information on my birth altered in a way that the situation would assume a laundering of funds that had been filtered by this method as the questions asked when verifying identity would include date of birth. My attention to this was brought on by a XXXX call that said my year of birth was XXXX, when it's XXXX. And with my acct limited access for a long period of time along with finding my phone number being hacked n emails redirected as well as opened with no knowledge, I am researching the situation in a different approach as I feel the original request must not have flagged all the institutions involved.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Pursuant to that Credit Report generated on XX/XX/XXXX I have no open Home Loans. Yet I receive bills for such, however inaccurate and contradictory each are they still appear, my Credit Report shows four ( 4 ) closed Home Loans : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX & XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX & XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX Who submitted documentation into my file causing it to reflect those 4 home loan closures and when was each submitted altering my Credit File in such a manner? I believe there is unauthorized manipulation of my Credit File ongoing for more than the second time in under ten ( 10 ) years. I previously mentioned I believe Experian is or may be held to be acting in concert with other entities and that combination of interests may well trigger Action ( s ) under XXXX  more commonly known as XXXX XXXX XXXX XXXX. I need both confirmation as well as verification what entity or entities are actively or passively manipulating my Credit Information for whatever purposes? Including but not limited to improper influence or production of documentary proofs based upon that inaccurate information presently contained within that Credit Report generated on XX/XX/XXXX, all 46 pages which I have fully copied. Moreover, why is my file sub-divided in a manner I've never seen before as it is? It is and has been LOCKED for more than a couple of months now, so please explain why I am witnessing such anomaly ( s )? As this has adverse effects on that stated total debt reported as {$71000.00} on 5 open accounts with 1,568 being in Credit card or credit lines, my debt to income is also affected as well as a host of other metrics, please explain and provide that evidence therefor.
Consumer complaint received 2024-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I provided the FTC Report directly to Transunion they confirmed they have got it XXXX XXXX!! The department confirmed they received my FTC report!! I have a police report on file as well!! I am unfortunately the victim of identity theft these are not my inquiries!! I did not authorize them please delete immediately!!! 
Transunion : file number # XXXX XXXX XXXX XXXX XXXXXX/XX/year> These are not my inquiries!!! 
They are fraudulent!! I did not authorize this please delete immediately according to the FCRA this is fraudulent inaccurate information Thank you!! 
XXXX XXXX
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. (NY)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-13
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. (PA)

I need your help with this false account showing up on my credit report. Its impacting my reputation, and I depend on your assistance to resolve this. Due to your errors, my credit standing has been severely affected. You have to correct the wrong details on my report.
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. (NJ)

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 U.S.C 1681. 

XXXX XXXX : # XXXX XXXX XXXX XXXX : XXXX XXXX XXXX 15 USC 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 States a consumer Reporting agency can not fresh in account without my written instructions 15 U.S.C. 1681 s-2 ( A ) ( 1 ) A person shall not furnish Any information relating To a consumer To any reporting agency
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX Bank claims I had a card XXXX. I am XXXX and a victim of identity theft. They refused to process my opt-out and they repeatedly respond to the credit reporting agencies saying it's my account and it's not.
Consumer complaint received 2023-01-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

my husband lost his job and we needed to have our mortgage with WELLS FARGO setup with a payment plan to keep my home. we had no other large outstanding balance with any other creditor. no large credit card balance or car loans. they refused to work with me and we were forced to sell home short sale and it actually broke up my family.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2023-01-19
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. (TX)

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 U.S.C 1681. 

XXXX XXXX XXXX, ACCT # XXXX XXXX XXXX  XXXX ACCT # XXXX XXXX XXXXXXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX & XXXX XXXX ACCT XXXX XXXX XXXX XXXX, ACCT XXXX XXXX XXXX XXXX, ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXXXXXX, ACCT XXXX XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 SECTION 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-10
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: Resurgent Capital Services L.P. (CA)

I am the original creditor. See Hurds Rev Stat Chap 32,36. 

United States Code Law Title 22 Chapter 2 Section 141 ( permanent character ) - affirmative action. 

XXXX. XXXX XXXX and XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX heir ( XXXX XXXX XXXX 12 USC 1825 ( D ) Full Faith and Credit. The full faith and credit of the United States is pledged to the payment of any obligation issued after XX/XX/1989 by the corporation, which respect to both principal and interest, if - ( XXXX ) the principle amount of such obligation is stated in the obligation and ( XXXX ) the term to maturity or the date of maturity of such obligation is stated in the obligation. 

15 USC 1692 congressional declaration of purpose. 

House Joint Resolution 192!!!

In accordance with the fair credit reporting act The principal debtor is responsible.

15 USC 1681 Section 602. Right to privacy 15 USC 1681 604 A Section 2 : consumer reporting agency CAN NOT furnish a account without written instructions.

15 USC 1666 B : a creditor may NOT treat payment on a credit card account under an open end consumer credit plan as late for purpose. 

AGAIN I AM THE ORIGINAL CREDITOR I provided my signature ( sign of nature ). 
Remove the fraudulent XXXX claims. 
Thank you.
Consumer complaint received 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (NV)

Contacted credit company about reporting Inaccurate information, company has not reported in 3 month which is hurting my credit. I have disputed this account multiple time and has can back as accurate.
Consumer complaint received 2022-07-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (KS)

Opened account on XX/XX/XXXX with a promo code XXXX I received in the mail for a {$500.00} bonus after depositing {$5000.00} and completing 5 qualifying activities. Ive completed the requirements but the bank is now saying I needed to maintain the {$5000.00} in the account for 60 days. There was nothing in the terms saying the {$5000.00} had to be left in the account for 60 days. 


Offer valid through XX/XX/XXXX. 
Promo code XXXX MUST be used when opening the business checking account. 
This offer is only valid for the addressee and is not transferable. 
A {$100.00} minimum deposit is required to open a U.S. Bank Silver, Gold, Gold Business Checking with Interest, or Platinum Business Checking account. 
Earn your {$500.00} cash bonus by opening a new U.S. Bank Silver Business Checking, Gold Business Checking, Gold Business Checking with Interest, or Platinum Business Checking account before XX/XX/XXXX. You must make new deposit ( s ) of at least {$5000.00} in new money deposits ( Direct, Mobile, ACH or Wires ) within 30 days of account opening. The new money deposit can not be funds held by U.S. Bank or its affiliates. Additionally, an individual signer on the new checking account must be enrolled in U.S. Bank online banking or the U.S. Bank Mobile App within 90 days of account opening and complete 5 qualifying transactions : Debit card purchases, Merchant deposits, ACH credits, Wires credits/debits, Mobile Check Deposit and Bill Pay within 90 days of account opening. 
The cash bonus will be deposited in your U.S. Bank business checking account within 45 days of offer qualification verification, if the account is open and has a positive balance. 
Offer may not be combined with any other business credit card or checking account bonus offers.

Offer is not valid if you or any signer on the new business checking account have an existing U.S. Bank business checking account or had a U.S. Bank business checking account in the last 24 months.
Consumer complaint received 2024-09-23
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. (GA)

Accordance with the fair credit reporting act XXXX XXXX has violated my rights 15 USC 1681 Section 602 states I have a right to privacy. 15 USC 1681 section 604. Section 2 ; Also states a consumer reporting agency can not furnish a account without my written instructions. 15 US Code 1681a-Definitions ; rules of construction-exclusions-except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B ; A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under section 1681b of this title. XXXX, XXXX and Transunion are not maintaining reasonable procedures.15 US Code 1681a-z states it is illegal to report transaction history.
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. (FL)

My name is XXXX XXXX and I'm not filing this claim in the XXXX person. I am a living woman who's privacy rights have been violated. The accounts listed below have reporting to my personal reports and has had a negative affect on my life extremely reducing the ability obtain any credit in my name. 

Account : XXXX XXXX XXXX, AMOUNT {$5000.00}, ACCT # XXXX ACCOUNT : XXXXXXXX XXXX XXXXXXXX, AMOUNT {$540.00}, ACCT # XXXX ACCOUNT : XXXXXXXX XXXX XXXXXXXX, AMOUNT {$300.00}, ACCT # XXXX ACCOUNT : XXXXXXXX XXXX XXXXXXXX, AMOUNT {$1000.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXX, AMOUNT {$10000.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXX, AMOUNT {$1300.00}, ACCT # XXXX ACCOUNT : XXXX XXXX AMOUNT {$300.00}, ACCT # XXXX ACCOUNT : XXXX, AMOUNT {$12000.00}, ACCT # XXXX ACCOUNT : XXXX XXXXXXXX XXXX, AMOUNT {$9300.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXX, AMOUNT {$12000.00}, ACCT # XXXX ACCOUNT : XXXX  XXXX, AMOUNT {$330.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXX, AMOUNT {$540.00}, ACCT # XXXX ACCOUNT : XXXX, AMOUNT {$15000.00}, ACCT # XXXX ACCOUNT : XXXX XXXX, AMOUNT {$1200.00}, ACCT # XXXX INQUIRIES : Here is the updated version with only the account names and dates : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Hi, I am trying to dispute some address that are on my credit report. I never lived at this address and the information is not correct. I reach out to the collection agency regarding this account and was advise this information is unable to be deleted.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I received a notice on my XXXX XXXX that my account for XXXX was late. I called the company and told them I paid the balance in full, the gentleman I spoke to on XX/XX/23, stated that there was an interest fee of {$6.00} that was left unpaid. I received NO notification that anything was past due. I didn't get a statement or a phone call. He agreed that they had not called me or sent me a statement and agreed to waive the {$29.00} late fee associated with the charge. 

He told me I should call the another customer support line to have them fix the error. When I did contact them, the person I spoke with stated they can not fix the error on their end that I would have to dispute it with the credit bureau, which I did. Equifax stated that the company updated other information but did not removed the late payment stating that it was correct. The only notification I received that there was amount owed was when I got the late remark on my credit. I received no credit card statement or phone call. They failed to contact me, the consumer and I feel they are at fought for not doing their due diligence and I should not be held accountable. Also, by recommendation from the representative of XXXX XXXX XXXX was told the way to get it corrected was by disputing the late payment and I did that.