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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 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. (KY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-24
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. (VA)

I tried calling all 3 reporting agencies to get those inquiries removed but was unsuccessful. At one point I had almost 30 inquiries just in a months time. But I managed to get many removed. I never knew so many inquiries would damage a person 's credit so badly. This problem has drained so much energy from me, that I just can't handle by myself anymore. Thus deminishing my credit score. According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission. According to 15 USC 1681 I HAVE THE RIGHT OF PRIVACY.
Consumer complaint received 2023-05-22
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (IL)

On XX/XX/ I received a loan with Title Max in Missouri. I just realized the interest rate is at 176 % and that was not pointed out to me when I took the loan. Now Im struggling to pay the monthly loan amount of {$500.00} a month. I contacted the company and they didnt offer any assistance. Title Max told me if you dont pay, we will repossess your car the very next day after due date. I need help!. Ive paid them a total of {$4100.00} since I got the loan. The loan was for {$3200.00}, so Ive paid way over what I loaned and they dont want to offer any help. I would like my title back due to extremely high interest rate of 176 % and Ive paid off what I was loaned!
Consumer complaint received 2024-09-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (CA)

I submitted a dispute with Cash App due to the fact that the merchant had not provided me with my refund credit for more than a week. Cash App denied the dispute, asserting that no error had occurred, despite the fact that I had included a return credit receipt with my claim. I was advised to submit a new dispute, but it was once again rejected. I informed Cash App that I would pursue legal action to ensure that my dispute was processed correctly after the second denial.But the merchant had reversed the charge by the time I reached out for legal consultation, nearly two weeks later. Cash App retaliated against me for threatening legal action and unjustly closed my account by citing a clause that claimed I had violated the terms of service. This transpired shortly after I expressed my intention to pursue legal action. I felt as though I had been wronged twice by Cash App 's response, which left me feeling stunned and frustrated. I promptly contacted customer service to contest the account termination ; however, my attempts were unsuccessful. 

It is evident that I have not violated the terms of service in any way. I even went so far as to review the terms of service document multiple times to determine if I had overlooked anything, as I had been a loyal user of Cash App without any previous issues. However, I was unable to identify any reason for my account to be closed. To be left in the dark without any explanation or opportunity to rectify the situation was incredibly aggravating. Despite my best efforts, it appeared that there was no viable solution to the problem and reinstating my account. I was left with a sense of disappointment and disillusionment regarding the manner in which Cash App had managed the situation.
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. (LA)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-24
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. (SC)

Ive been trying to dispute several accounts on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (DC)

I authorized a payment to one party, but somehow a second party was added to the payment. This second party was only known to me after I entered my authorized code. I am not sure how the second party was added. I only pressed the button for the first party. I only authorized a transfer to XXXX XXXX, not XXXX.
Consumer complaint received 2015-08-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

Loan Number- XXXXThe last complaint and this new complaint is not duplicates? 
1.I paid XX/XX/XXXX and XX/XX/XXXX. The credit bureaus are showing 90 and 120 days past due! You have not corrected this! What does Wells Fargo NOT understand.This I believe has become Personal.I will continue to address and complain about this issue until YOU correct it and make it right! 
2. Your loan rep XXXX told me on a recorded line it would take approvimately 2 weeks for the modification. When will Wells Fargo stop ignoring this and take accountablity for what XXXX told me.WHY SHOULD XXXX and myself SUFFER because of his mistake. I was told well XXXX you could have canceled it NO NO NO my credit was already ruined I had no choice! 
He works for Wells Fargo therforee you are responsible for your employees and what they communicate to the customers Correct? YES or NO? 
Therefore what are you going to do to make this issue right. 
You should n't just ignore and act like oh well mistake on XXXX 's part the XXXX 's will just have to wait it out on their credit Bureaus! 
Is this the right way to do business and take care of your customers. 
I will continue to work on this issue until it is justified. 
This is not a duplicate handle the XXXX issues Do not tell the public a lie and just ignore me Handle this the right way! 

XXXX XXXX XXXX
Consumer complaint received 2016-07-31
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Over a year and a half ago we started the process of buying a home. Our mortgage guy sent us to a credit repair co. They got the collection account from XXXX XXXX XXXX XXXX XXXX taken off my credit, because it was unverifiable. Now it is back on my credit. I have credit reports showing the trade line on and then off and now today it is currently on my report. When I called to verify the account with XXXX & XXXX they sent me a heavily redacted letter verifying absolutely nothing. I would like this unverifiable account taken off my credit and removed permanently. This should not be a loan I have to pay for if there is no verification that it is my debt. Attached are the credit reports and the letter of verification that was sent to me.
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. (NY)

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 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 2023-05-24
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. (IL)

Multiple complaints have been filed with you highlighting your violations of my consumer rights. You have consistently denied and disregarded my complaints, despite having no evidence to support your position. You have also committed numerous acts of fraud against me. Attached to this letter is an Affidavit of Truth that details the violations of the FCRA that have been committed against me. These Bankruptcy accounts must be removed immediately from my consumer report/file ; otherwise, I will pursue you in federal court for these violations, as I have months of paper trail and deletions from the other consumer reporting agencies admitting the violations. These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. (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. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-08-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company (MA)

Focus Receivables Management has contacted me several times to collect a debt for XXXX. Each time I call back they tell me they are trying to reach someone else and not me. I have asked them to stop contacting me that I do n't have XXXX and have n't in over 7 years. Each time they tell me they have no record of me contacting them back to ask to be removed. Spoke to them again today and was told I would be removed.
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: Experian Information Solutions Inc. (FL)

From : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX FL XXXX SSN : XXXX DOB : XX/XX/XXXX To : Experian 's National Consumer Assistance XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Dear Experian I noticed the following issues with these accounts on my credit report : Account Name : XXXX : Account number XXXX XXXX, Account status is misleading : showing different per bureau. Can you delete this ASAP and send me and update. 

Account Name : XXXX XXXX XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. Can you delete this ASAP and send me and update. 
I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks. 
XXXX XXXX
Consumer complaint received 2024-09-25
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation (AL)

Fortiva Credit Card closed the retail card account I opened through XXXX XXXX XXXX without advising me. They documented on my credit file that the account was closed per the consumer 's request. I made no such request and had no knowledge of the account being closed. I have never been delinquent on any payments and never had any issues with this account. I contacted Fortiva on XX/XX/year> to inquire about this account as the closure of this account has adversely impacted my credit score. The representative for Fortiva advised that they had severed their business relationship with XXXX XXXX and as a result they have closed out the line of credit. I advised the representative that their actions have had a negative impact on my credit file and as a measure of good faith, I requested that the Fortiva Credit account be removed as a credit line on my credit file in order to restore my credit rating. The representative told me that Fortiva would not do so and offered no other course of action to rectify the negative impact they have caused by closing the credit account without my knowledge.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries.
Consumer complaint received 2016-07-29
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (NC)

Fleeing XXXX husband, I left my home and started over. My husband remained in the home with all possessions. XXXX would not aid in the return of my possessions or childrens possessions. This was in XXXX. In XXXX, my husband had me sign a paper saying I no longer provided income in the household so that he could modify the mortgage agreement. To my knowledge all was paid and fine. In XXXX XXXX I find out my husband has moved from the home and there is a for sale sign in the yard. I called the realtor and asked had the bank taken the home and what was going on. The realtor could not tell me any information. Although the for sale sign was in the yard, she did not know anything. She stated the locks have n't been changed and she assumed someone was still living in the home. I called Chase Bank ( mortgage company ) and spoke with them. No information on foreclosure but the taxes had been paid. I went to the court house later in XXXX and looked at the file on record. Therr was minimal information and I did not understand the material due to a XXXX XXXX XXXX. I recently went back to look at the file again. There are now a stack of documents in the file dated for XXXX that were not in the file. I found it odd that notaries from surrounding states were used and the notaries were employed by the law firm agency who was the substitute trustee on the house. I do not understand these papers. My home was sold for XXXX and the loan was for XXXX, yet the tax value is XXXX. I 've believed this to be a scam from the beginning. Also, I was not properly notified of the forclosure. The file now contains a form saying my copy was left with my husband, who did not inform me of the foreclosure. These forms were not in the file previously.
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: Experian Information Solutions Inc. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-25
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: Block, Inc. (NY)

On XXXX XXXXXXXX  At a XXXX gas station I added {$49.00} of paper money to my Cash app account. After that I payed at the gas pump with my cash app card as a debit transaction using my 4 digit pin to pump {$7.00} of gas. Since that transaction my accout has a pending hold of {$47.00} and a negative balance of {$7.00}. I have never has a pre-authorization hold longer then maybe 30 minutes... EVER! The cash app represents told me 2 different reasons for this pending hold. One being XXXX had charged me 2 times for that transaction. That wasn't true it never showed in my accout activity that was the issue. Cash app blames the merchant for the hold. 2 days later I contact XXXX and speak to a representative and they stated it's not a pending hold on their end, it is Cash app placing the hold. I contacted Cash app again and they still blame the merchant. I have spoke with cash app 4 or 5 times with no resolve. As of XX/XX/year> my money i deposited is still being held. This company is jerking people around and withholding people money. This is not ok. The XXXX representative said 80 % of the calls received is for this exact same issue I'm having. I have request a statement from the on my behalf. I have supporting screen shots of the false information Cash app is stating. I am also seeking legal assistance for their fraudulent ways.
Consumer complaint received 2024-09-03
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 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. (SC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXXXXXX Balance Owed : {$9400.00}, XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX {$11000.00}, XXXX XXXX Owed : {$6200.00}, XXXX XXXX XXXX XXXXXXXX Balance Owed : {$930.00}, XXXX XXXX Balance Owed : {$12000.00}, XXXX XXXX XX/XX/2022