davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-24
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 term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's 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, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Consumer complaint received 2016-09-14
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (NJ)

While overseas during the month of XXXX and XXXX 2016 and had prepared to use my ATM card held at WF and had successfully made withdraws, such as on XXXX/XXXX/16. Some days later, XXXX/XXXX/16 I went to the same location and attempted to withdraw funds and was given an error message. I went to another ATM ( different Bank ) and got the same error. I then call WF customer service and confirm that funds was available and told her of the error message, to which she suggest that I make sure I select SV. I agreed and told her that I have made successful withdraw before and well aware of options.I tried XXXX other ATMs and still received same error message and placed XXXX more calls to WF, where I was treated with disrespect and horrible customer service. At no time did the agents tried to resolve issue, but instead stress that the account is not being linked. Frustrated on the last call the agent was so rude I asked for a supervisor to which he told me NO! 
I was left cashless, hungry and embarrassed because I had not funds to pay for a surprise cake for my mothers birthday. On top of this I was hit with numerous fees ( multiple in XXXX day ) as " excessive ''.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to file a formal complaint regarding inaccurate information on my credit report, which I reported to TransUnion on XX/XX/XXXX. Despite my initial contact, TransUnion has failed to respond, and the following discrepancies remain unresolved. I kindly request your assistance in addressing these issues and ensuring compliance with federal law. 
The inaccurate information on my credit report pertains to the following accounts : ( XXXX XXXX, Balance : {$95.00}, Reported : XX/XX/XXXX, Original Creditor Name : XXXX XXXX ), ( XXXX XXXX, Opened : XXXX XXXX, XXXX, Balance : {$1100.00} ), ( XXXX XXXX, Opened : XXXX XXXX, XXXX, Balance : {$670.00} ), ( XXXX XXXX, Opened : XXXX XXXX, XXXX, Balance : {$220.00} ). 

For each of these accounts, I dispute the accuracy of the reported information and request their removal from my credit report. The details of each account are as follows : XXXX XXXX : TransUnion erroneously includes this account on my credit report. The reported Balance of {$95.00} with Original Creditor XXXX XXXX XXXX. This account does not belong to me, and I request its immediate removal. 
XXXX XXXX : TransUnion includes XXXX accounts under the name XXXX XXXX, which are not mine. The reported information for each account, including the Dates Opened and Balances, is inaccurate. I dispute these accounts and request their removal from my credit report.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I checked my credit report profile on my annualcreditreport.com time to time and I notice an update on my account that I do not recognize that is why I am reporting that accounts are not mines and should be investigated furthered and remove from my credit profile thank you
Consumer complaint received 2023-05-24
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. (DE)

I currently have this account under investigation this company is not following the CFPB rule and Guidelines, Truth In Lending Act rules and Guidelines, The U.S.Codes and or Del Law under Title 6. They have Committed fraud willingly and knowingly with XXXX XXXX XXXX. Attached are what they have done in depth. As this account is under investigation/ dispute this company is still reporting to the CRA and are still sending me Fraudulent Statements. This company disclosed nothing to me. This company has no License to do business in my state ( DE ). They are not backed by any government agency in the USA.
Consumer complaint received 2023-05-24
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. (NY)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I called the credit reporting agencies and let them know the inquiries in the document included below are not supposed to be visible on my consumer report, I never gave them written consent to report them.
Consumer complaint received 2023-05-24
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. (LA)

My name is 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 2016-12-01
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BOK FINANCIAL CORP (TX)

On XXXX XXXX, 2016 my employer notified me that a reimbursement of {$310.00} would be deposited into my checking account ending in XXXX. I contacted them to tell them to cancel the transaction because I no longer had the account. They did n't receive the message in time and deposited the funds into a closed account. The bank accepted the funds and never notified me that the funds were accepted nor did they return any additional funds to me or my employer. They stated that I had a balance of {$200.00} in overdraft and extended fees but could n't give me a brake down of how they arrived to that amount. They claimed that they mailed out a check of {$110.00} that I never received. The representative said that I had an initial overdraft fee of {$35.00} and additional days of extended fees of {$6.00} for weeks. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Account number : XXXX
Consumer complaint received 2023-05-24
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. (GA)

On *date letter was sent on the dispute* i sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later i have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress this has caused me. My information was also impacted by the XXXX data breach and may have got in the hands of the wrong person.
Consumer complaint received 2017-01-03
Product: Credit card — 
Issue: Transaction issue — 
Company: Bread Financial Holdings, Inc. (FL)

Pay Pal Credit switched an XXXX transaction without notifying me at the time of the transaction to Pay Pal Debit. I did not have the amount needed in my bank account to cover the purchase. Now my Pay Pal account is in a negative balance when I had believed my purchase on XXXX would be processed as Pay Pal Credit. I purchased several items at the same time believing they all were part of the Pay Pal Credit 's same as cash 6 month promotion but days later I learned that XXXX item was not included. When I called to ask them to change the transaction to a credit purchase they declined to take that action, saying that I was notified of the transaction being a debit purchase at the time of the purchase. I asked for the purchase screen or written documentation of this notification to me and any advanced notice of this business practice by Pay Pal but I was told to visit the legal section of Pal Pal 's website. I was not notified properly during the transaction regardless of any terms and conditions in the legal section of Pay Pal 's website .Apparently they told me that if a seller on XXXX does not accept Pay Pal Credit payments then I would have been notified. But since Pay Pal could not produce any written documentation that I understood this, this business practice is not fair and is deceptive in my opinion. I would not have made the purchase of the item if I had know it was not covered by Pay Pal credit.
Consumer complaint received 2024-08-07
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: ENCORE CAPITAL GROUP INC. (IL)

I am On the verge of losing Me home, midland credit Management. They keep giving me the run around and all we need is a letter showing the account is now a XXXX XXXX. Please help if the is not settle we will be on the street
Consumer complaint received 2015-08-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

There is an account listed on my Experian report that is not mine. I contacted the company, XXXX XXXX XXXX, and they have no record of an account. I tried to dispute this with Experian and keep getting a message that they would not investigate this. I need your help.
Consumer complaint received 2023-05-22
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. (MI)

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 section 602 A. States I have a 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 7 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. 
XXXX XXXX acct # XXXX XXXX XXXX
Consumer complaint received 2023-05-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Relin, Goldstein & Crane, LLP (NY)

My name is XXXX XXXX, i am the consumer as well as the only one with personal knowledge in connection with the transaction. This company named Relin, Goldstein and Crane LLP has been repeatedly contacting me acting as debt collectors and its unclear whether they even have a license to collect alleged debts. please provide your agency debt collection license number. and please show cause of your authority to contact me about these matters concerning this debt. 

This is yet another notice of dispute. i am not making any settlements until this alleged debt can be verified. until this alleged debt is verified, i refuse to pay this alleged debt. as a consumer i am entitled to receive the name and address of the original creditor, verification or a copy of a judgement for this alleged debt from the creditor. if your agency is unable to produce such documents, it is advised that your agency cease all communications immediately. 

it is advised that all verifications need to be in the form of oath or affirmation and placed under the penalty of perjury. 

RE File Number : XXXX
Consumer complaint received 2024-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo is not recognizing my employer payroll deposits through XXXX as electronic payments and subjected my account to a monthly fee because my daily balance fell below {$500.00}. I spoke to Customer Service and they stated they do not recognize XXXX as an electronic deposit- they will only accept Direct Deposit bank to bank. I'm forced to have an account with Wells Fargo due to my mortgage and my employer. I've received several lawsuit payout checks over the years from Wells Fargo illegal practices. They continue to screw the customer with their arbitrary rules.
Consumer complaint received 2023-05-24
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. (ID)

All three credit reporting companys XXXX XXXX  transunion. They have reported credit info on my report that i have asked to remove many many times. Either the account is old and pass the 7 years and or the account is paid and dont use the company anymore. Or they have deleted crediors on my reports and then they place them back onto my report after removed. They have done this many many times. I have asked to remove it. And they dont.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (NC)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Previous Address ( es ) : XXXX XXXX XXXX XXXX, FL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NC XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX Employers : XXXX XXXX XXXX Employers : XXXX XXXX Employers : XXXX XXXX XXXXXXXX Employers : XXXXXXXX XXXX XXXX Employers : XXXX XXXX XXXXXXXX Also Known As : XXXX XXXX XXXX
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (GA)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (GA)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XX/XX/year>XXXX XXXX XXXX XX/XX/year> Late Payment XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-02
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. (IL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-05-24
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. (LA)

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 2016-07-29
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Specialized Loan Servicing Holdings LLC (AZ)

I had been working with SLS or the past two years. While working with SLS I made my monthly house payments on time so that if the loan was not approved I would still maintain my house. My original loan was through XXXX XXXX XXXX. Apparently they sold my house loan to SLS. I had applied for a HARP modification on my home. I have waited almost two years with numerous phone calls and resubmitting documents, rude behavior, and promises. I was finally approved for the Tier II loan and had made the payments as agreed. While in the process of making the payments and paying as agreed with the modification approved my home was sold to XXXX. I was not notified by SLS that they had sold my loan, but they were still accepting my house payments until the loan sold on XXXX/XXXX/2016. XXXX purchased my home and has filed documents for me to vacate my property at XXXX XXXX XXXX. The Bank wants me out of my house. They have already took my property and Deeds of Trust and I have not been notified to vacate by the courts. I did as required, made my payments as agreed and sent in all documents. But for SLS to sell my home from under us is wrong. We were not delinquent. SLS has not been faithful and truthful on their parts, and are very rude, and disrespectful on helping. Each phone call is a different lie, or they ca n't find the documents or never received. I have had to submit documents more than three times on some occasions. I need help on getting my house back. My husband and I are XXXX XXXX. My husband is XXXX and I am XXXX in a few month. We have no place to go, we do not have the funds to hire and attorney, or moving expenses. How can SLS sell our home when we was current in our house payments. Please help us. I can mail or fax documentation copies as requested. I believe we have been removed from our home illegally. There tent to be an on going situation with SLS and XXXX committing fraud on taking homes from people. In the area I live it is called flipping homes and I believe I have been the victim of the scams. Some months I had to pay extra {$300.00} monthly payments above the {$1100.00} house payments. Plus, I had to pay closing cost in the amount of {$650.00}. With HARP Loans I were told you did not pay closing costs. 


I Desire that SLS go back and buy our home back from XXXX and finish our loan with us. We did not breach our contract. SLS sold our loan to XXXX without making them aware they had approved us for a Loan Modification. We want XXXX and SLS to review their documents and give back what we have worked hard for the past 15 years or so.